vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I live in Florida, and when there was a hurricane coming I got a phone call claiming to be from the federal government, saying I had nothing to worry about the upcoming disaster because my loan would be on hold. I later found out they put my loan on forbearance without my authorization. I called them after I found out and told them to reverse that. I did not complain back then because I thought this was a federate mandate. I had no idea a private company was behind this forbearance move without my authorization. They need to be accountable for deceiving their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a notice from XXXX XXXX  that I had a hard inquiry from my credit report from 2 companies on XX/XX/XXXX. The companies were XXXX. I have not applied for any credit on this date so I called the company to inquire. I called the company on XX/XX/XXXX. XXXX which is Chase at XXXX they would not disclose anything if I was not already a Chase consumer. I would like to report these for potential identify theft concerns. My last name is XXXX and has been since XXXX the name on the denial letter is XXXX my former married name. The company indicates they were not able to reach me to speak about the issue that is not true. I received a call from Chase the telephone number was XXXX at XXXX on XX/XX/XXXX letting me know they were contacted by CFPB and that they would be investigating this claim and sending me a letter with the results of the investigation. Yesterday XX/XX/XXXX I received a denial for credit letter in the mail from Chase so someone did apply for credit using my information. I am concerned because a former last name was used and this was not caught by the person running my credit report. I did not apply for this credit card nor authorize my credit to be run. I am now attaching the denial letter from Chase ATTACHMENTS XXXX XXXX ( XXXX KB )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Amazon.com uses Synchrony to manage its store credit card. Amazon offers its customers interest-free payments for purchases. However, when customers go in to pay their monthly credit card online, there is no disclosure by Synchrony listing the amount due to avoid interest charges. It only lists the minimum due and the total due. Also, on Synchrony 's hard copy account statements the amount due to avoid interest charges is not listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I've sent serval disputes asking for validation and my wet signature and none of the 3 bureaus have been able to provide proof of debt. 

THIS IS A FCRA VIOLATION and I would like the following removed from my credit report ASAP. 

Account : XXXX  Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was on XXXX due to XXXX XXXXXXXX and struggled for 2 years prior to that made my payments on time and they still always said I was late. I call customer service to assist with my question and every time I get a different answer, no notes you called we don't know what you are talking about we lost your paper work to lower your payments, we mailed you a statement but if they mailed it to me why haven't I received it? 
I worked at a non-profit hospital for 10 years and was never once told about the programs that you could apply for and possible forgive your loans. Or course I don't work there right now but I did. 

The last time I called in XX/XX/2021 I happened to log into my portal through them and see that I had a balance due but never received any information from them. 
when I called the lady said that I signed up for e-delivery which I promise I did not do as I have years of issues with this company. 

Customer service is horrible and you never get anywhere. I have come to ask for a supervisor but I am always told that they will call back within 24 to 48 hours on the problem but of course never do. 

I still struggle with my payments as the cost of living goes up but not the pay and they seem to never want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To my understanding, there is a total of 14 months forbearance for mortgage assistance. 

I applied for the COVID19 forbearance XX/XX/XXXX for a period of 3 months ( XXXX, XXXX, XXXX ) and I resumed making payments ( XX/XX/XXXX ) after that time, as the automated line on the mortgage payment website stated that my forbearance period has ended. 

Well XX/XX/XXXX, due to slow work, I called to apply for the forbearance program and I was informed that I had exhausted 13 months of forbearance and that any forbearance at this point would end XX/XX/XXXX. I proceed to inform them that I had only used 3 months of a 14 month program. They proceeded to tell me that I was " Automatically '' enrolled into the program as of XX/XX/XXXX, then very rudely told me that I should have received a letter and that I should have read the fine print. I told the agent that this is totally unacceptable to do this on my behalf without knowledge. 
By banking industry standards, banks are prohibited to enroll patrons into programs without their knowledge and I believe my rights have been violated, as I was just recently kicked off of the covid forbearance. I made this complaint several times in XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Initially I was told back in XXXX that this was under investigation, however, when I call and spoke with XXXX XXXX XXXX my case had not been assigned since XXXX of last year. 
I expressed that this is not being transparent and this violates my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius Global ( XXXX ) XXXX reported XXXX, showed up today XXXX. 
No notice was received. Called at XXXX got XXXX XXXX asked for phone number to verify, Account # XXXX, XXXX XXXX {$430.00} is the amount, I requested the address. 
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, I never lived there. XX/XX/2018 was the date. The written notice to dispute was sent to that address as well Dispute process below Email dispute : XXXX Include account # XXXX Reference # XXXX Balance XXXX Client name XXXX I included all information showing that I never lived there as requested. I was told I just had to email stating I had never lived at that address and include a current address. They said it would take 30 days, which I said flat out would NOT be acceptable as this is a fraudulent account on my credit report while she is buying a home. I was transferred to a supervisor. XXXX is the manager we got transferred to. It will reflect as a dispute on Saturday. It should be removed by Tuesday at the latest is what he told me. It is still on my credit report. I called Wednesday and Thursday and was told both times to wait just a few more days each time but I cant keep waiting when I was told today there was no guarantee on time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I leased a new vehicle from a local dealership, the lease was assigned and the vehicle was sold to Ally Bank XXXX XXXX. 

On XX/XX/XXXX my dealership contacted Ally Bank XXXX XXXX for the buyout amount of the vehicle for a trade in. The amount they were given was {$7900.00} higher than the buyout stipulated in the contract. I called Ally Bank XXXX XXXX and was told the extra amount was due to " regulations and taxes ''. As that didn't answer the question I asked the finance manager at the dealership to contact the dealer services branch at Ally Bank and they were told that I am not allowed to trade in vehicles leased by them and if I did the dealer must pay rull retail value of the vehicle. None of this is stipulated in the contract that I signed. 

On XX/XX/XXXX, I contacted Ally Bank XXXX XXXX again and spoke with Supervisory Account XXXX XXXX who told me that Ally does not allow dealerships to buy out their leases. When I pressed him to show me where that is in the contract he was unwilling or unable too. I continued to press him for additional information as to why they were not allowing me to exercise the option plainly stated in their lease contract which he refused to do. In the contract, besides buying out the lease, there is a option to voluntarily end the lease and turn in the vehicle, when I asked for specifics of how that would work he refused to answer and told me to contact my dealer. When I told him that I tried that but Ally Bank was unwilling to work with them so I needed him to explain how it worked again which he refused. 

This is the XXXX vehicle I have leased in the past 10 years and this BY FAR is the worst I've ever experienced working with a leasing company before. I've never seen a company try so hard to not honor their own contract in their favor!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is showing a late payment on my credit file for XXXX XXXX XXXX XXXX XXXX account # XXXX in XXXX of XXXX. Also TransUnion is showing a late payment for XXXX account # XXXX for XX/XX/XXXX after the account was reported closed. According to 15 U.S. Code 1666b.Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH Mortgage has refused to send a monthly statement for the month of XXXX. He month they keep sending them later and later and now they haven't sent the statement for both loans we have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am college student that applied for work-study and fell victim to a scam. XX/XX/2022 I was talked into depositing a check of {$1400.00} as a task for my employer. I was then told to send the {$1400.00} to a recipient through XXXX. I did not think much of the request at the time because my so-called employer was under the name/email address of a real professor at my university. The Chase mobile deposit also did not detect anything wrong with the check at the time. On XX/XX/2022 Chase bank realized the check was fraudulent and charged back the {$1400.00} after the deposit was processed. Some Chase representatives old me that they can not help me refund the charge while other representatives told me otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My business is a XXXX XXXX partnership and on XXXX one parter withdrew from our partnership. I brought the withdrawal to US Bank XXXX and went through the entire process to have her removed from all banking accounts associated with my business. 
XXXX, the withdrawn partner says she has been receiving notifications about purchases still. I called US Bank to have them confirm that they take her number and email address off our account as this is an absolute violation of our privacy. 
XX/XX/XXXX, she informs me that she is still getting notifications about spending on the account. I call to have her number and email removed yet again with the promise of her not getting notifications anymore. 
XX/XX/XXXX, the withdrawn partner is still receiving notifications for purchases on our account and I called yet again with the threat of pulling my business account from their bank if it is not resolved after this. They assure me it is taken care of but to give it XXXX  days because of the XXXX XXXX holiday. 
Well, as of XX/XX/XXXX she received another notification on this account despite multiple attempts to clear her from the account and making it absolutely impossible for me to run my business with my old business partner seeing every purchase I make. 
This is absolutely unacceptable and I have reached out to them to make it right multiple times. 
This should not be happening to business accounts ( or any accounts for that matter ) and will result in me pulling my business from their bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Hello, I called loan depot to start auto payments. They state you can not start them for 30-90 days. Ive paid several mortgages with several companies from the beginning with auto pay. I believe this is a money grab to make it difficult for the consumer to remember to pay the first three months, resulting in easy late fee penalties. There is no reason you should not be able to auto pay up front. I asked to set it up and they stated company policy, keep trying between 30-90 days after your first payment. I would bet if you took a look they have collected massive late fees in the first 30-90 days. I believe this is on purpose and predatory. Thank you. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 120 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person.

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 120 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon so they should be deleted promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
XXXX Mortgage has refused to send a monthly statement for the month of XXXX. He month they keep sending them later and later and now they haven't sent the statement for both loans we have with them. I'm having to submit XXXX complaints, XXXX for each loan.

Company response to consumer: Closed with explanation