vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
in XXXX i had a credit balance of XXXX, and according to THEIR statement no minimum payment was due. got my XXXX. statement and i had a balance of XXXX with a minimum payment due date of XXXX min payment XXXX they have been declining transactions and added a XXXX past due payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. This account was already removed Off on XXXX and Please honor all request of documentation.

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 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nathan & Nathan, P.C.
State: TN

Complaint narrative:
I received an affidavit from Nathan and Nathan P.C. back in XXXX stating that I owed XXXX XXXX XXXX. I was not aware of my rights at the time, so I didn't request validation. I contacted Nathan and Nathan P.C. to set up payments for the alleged XXXX XXXX debt. although it had been charged off. I ended up making two payments in the amount of XXXX around XX/XX/XXXX and XX/XX/XXXX. In XXXX XX/XX/XXXX I received a letter from Nathan and Nathan P.C stating that if I was going to receive a tax refund, I should consider payment and if I choose to pay, they will give me a deal instead of paying XXXX I can pay XXXX. I never responded to the letter. XXXX XXXX I was at work on payday and checked my account and noticed that my check was really short. I began to do my research at work and found a letter in my email stating my job received a letter from the courts to garnish my wages 25 % I was devasted to say the least. I then called the courts to see what my options were because I could not survive off the amount that was left to take care of my family. The courts directed me to do a slow pay where I can go in front of the judge and tell him what I can afford. XX/XX/XXXX the judge allowed me to pay XXXX/month for 6months and in 6months he instructed me to come back to see if my financial situation was better so that I can pay more. XX/XX/XXXX, I sent Nathan and Nathan a debt validation letter along with a cease and desist. XXXX, I received a letter from XXXX XXXX  stating that they investigated my account and found that no fraud had been found on my account and that they have not made any adjustments and if I have any question to contact the third party that handles the account. which lead me to believe that Nathan and Nathan P.C. reached out to XXXX  XXXX after they received my debt validation letter. they are trying to cover their tracks. yet I still haven't received validation from them as of yet and it has been over thirty days however, I did receive the green certified card back that I sent along with the letter, so I know they received the letter but have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
Midland Credit management sued me around XX/XX/2021 for a debt of XXXX, after I received their letter to sue me I called their lawyer XXXX XXXX XXXX to arrange payments. They then tacked on interest, fees, and legal fees to the debt which is now XXXX and are now trying to garnish my wages through filing a suit through the local sheriffs office. I don't understand why I have to pay for their motives and not settle this matter with me instead of garnishing my wages

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A monthly check we wrote to myXX/XX/XXXX mom 's XXXX XX/XX/XXXX for {$7700.00} was stolen, forged an endorsement and cashed. I made an official complaint to my bank ( XXXX ), and they confirmed on XX/XX/XXXX. As requested by them, I the filed an affidavit from the XXXXXX/XX/XXXX saying that they never received the check and it wasn't their endorsement. XXXX sent me a letter on XX/XX/XXXX saying that the responsibility is not theirs but the bank that cashed the check. XXXX said they contacted that bank. It has been five months since I filed the complaint with XXXX and they say they are still awaiting hearing from the other bank. In the meanwhile my mom is out {$7700.00}!!! 

I complained to you about XXXX and their response if that it is the responsibility of the bank that cashed the check - Bank of America. They say that BofA takes 90 to 120 days to reply. My complaint was filed with chase on XX/XX/XXXX - that is over five months ago! And I have no way to reach out to BofA because I have no relationship to them. XXXX is in the middle and keeps saying that it isn't their problem. 

How do I get BofA to respond to 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 monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
There is an incorrect address being reported on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
There is an incorrect address being reported on my credit files.

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 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
Hi, My Name is XXXX XXXX And I would like to report an unusual act with a credit card company! 

I applied for services that help increase credit building. I jsigned up and was approved for a secured card called Milestone gold/ Genesis fs card with a deposit of 125 dollars, With an approved amount of 500. 

My card came in the mail around about XXXX sometime and I ordered some items because my son and fiance birthdays were coming up and I wanted to buy gifts. 

I paid the amount back right away a few days or maybe it was the next day, However on line. 
And everytime I paid the full payment, the company kept reversing the money back And with out it ever showing up on my account. 
I even tried other ways by calling on the phone paying it through the automated machine, And as always it seems to be going good except the payment is always reversed back and eventually ruining my credit and constantly reporting it to my credit. 

After months of just humiliation, I was able to call and speak to someone because before I called someone mentioned that they aren't able to take payments over the phone only online or automated. 

So I didn't understand that when I called this time and I addressed my concern and the person took my payment, stating that the money has ro be reflected on the account at least 14 days prior in order for the payment to be processed. 

But this day it went through less than 48 hrs, Then they send me a letter saying the company has made a decision to process my payment differently from the other customers as if I am so much better than the rest of the people. 

I only wanted to pay them back, And received all this havoc and kids dealing with this company. 

I can't say, I am Happy! 

I believe that this is a fraud matter!! 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor ... ... ... ... ... ... ... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$790.00} Open balance XXXX XXXX FOR XXXX XXXX XXXX Original creditor ... .. .... .... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$350.00} Open balance XXXX XXXX Original creditor

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 2022-01-05 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: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is XXXX. Thank you!

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 2022-01-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
On XX/XX/XXXX I received and signed my CARES ACT forbearance agreement. 
We agreed on moving our 18 deferred payments ( option XXXX ) to the end of the loan with no lump sum payment. 
On XX/XX/XXXX I received a bill for {$26000.00} dollars from FREEDOM MORTGAGE then they filed with Credit companies that I was late. 
I documented all conversations with them. We were also required to submit a new username password at the beginning of XX/XX/XXXX. After following instructions we have been unable to get access to our account ... ... including past communications. 
I talked to their IT department and I was told the situation had to be escalated to the next department and it would be two weeks then they would call back. That was over two weeks ago.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. This account was already removed Off on XXXX and Please honor all request of documentation.

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 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have tried to open up bank accounts with many banks so far and they keep closing my accounts saying they cant tell me the reason why? I dont know why this is happening. Im pretty sure some one has committed fraud on with my social security. I need help because I need a bank account.

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 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was enrolled in covid forbearance which ended XX/XX/2021. We were led to belief past due payments would be added to the backend of the loan however did not and I was offered a trail modification in which could not afford since my payments would be increased almost {$2000.00} dollars more. 

I then opt on XXXX to reinstate mortage back to normal servicing by paying the past due amount in which the bank now as misapplied all of my payments since XXXX and now states that I am still past due. I made all payments to bring my account current in which is paid upon until XXXX the bank has applied my payments to escrow and also suspense account not related to my mortgage and payments were not applied correctly to principal, interest and escrow. Also, the bank did not correctly conduct a correct escrow analysis to date. Please assist me with the bank since as of this date I am not able to resolve and the bank as not applied my payments correctly. 

As per my XX/XX/2021 mortgage statement I owed {$29000.00} and below are all payments made : {$3000.00} {$3900.00} {$7200.00} {$2000.00} {$15000.00} {$1200.00} {$2700.00} {$35000.00} Total paid ( {$29000.00} ) {$6200.00} payments not posted correctly Please contact my XXXX XXXX who is authorized to speak on my behalf at 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 explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-05 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: NV

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX I noticed a pending charge from XXXX for XXXX that was not mine on my credit card. I immediately called customer service. I was told that since the charge was pending, he would be able to stop it from being processed completely. I was then told to shred my card and that a new card, and a credit for the invalid charge would be issued. I was immediately locked out of my online account and mobile app. When the new card finally arrived XX/XX/XXXX and I was able to activate it and access my account again, I could see no credit had been issued. I called customer service again, again they wanted to shred my card and issue a new 1, after explaining that had already been done XX/XX/XXXX it was determined that no one had ever done anything about investigating/crediting the invalid charge. I was again assured it would be handled and that a credit would appear on my account within 24hrs. 
On XX/XX/XXXX I called again when no credit was showing, again they wanted to shred my card and issue a new 1, I again explained that had already been done. I was again told no one had opened an investigation or issued a credit. For the 3rd time an investigation was supposed to be opened. I was then told by the fraud dept that they could already see it wasn't my charge, didn't have the correct authenticators, and shouldn't have been processed. ( same thing they said XX/XX/XXXX ). I was told I would definitely see the credit Monday XXXX. I was apologized to for having to call so many times and spend so much time on the phone ( this isn't a 5 minute call - usually atleast 45 min minimum per call ), I was told complaints would be issued for the previous service reps not initiating or completing the inquiry. 
On XXXX I called again when no credit was showing. This time I was told, the inquiry was just opened and they have no information. 
This is ridiculous - usually and even with this company in the past - a credit is issued within 24hrs. I know it may be a temporary credit if the investigation determines it, actually is your charge.

This is NOT the case in this situation. I have been told repeatedly that they can see this isn't my charge and did not possess the correct information to process to my account. I also never use this card for XXXX and don't have any transactions on my XXXX account with this dollar value. This is NOT my charge, NEVER was, and this fact has already been determined by numerous service agents, they just haven't followed thru to correct it.

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 monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance {$0.00}

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2021 I received aa email from a collection company stating that I owed {$160.00} dollars on my Kohl 's credit card. I had never received a statement from Kohls indicatiing that I owed them. I first used their credit card on XX/XX/XXXX for a pearche of {$140.00}. I made the payment on XX/XX/2021. On XX/XX/2021 I purchased {$37.00} for slipperes.However, they had charged me late fees and interest amounting to a balance of {$88.00}. Again not receiving any statements they kept adding late fees and interest to the balance. When I received the email from the collection agency, XXXX XXXX,, the balance was now {$160.00}. I called them the same day and asked what this was all about, they told me about the Kohls credit card amount. I argued for along time and they brought the amount down to {$51.00} which I paid at that time. 
Issue-My credit scores have dropped considerably due to this being on my credit report. 
I feel this is wrong and would like to have it be removed from my report.

Company response to consumer: Closed with explanation