vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I acquired my home from JP Morgan Chase in XX/XX/1999, I never received the Purchase Money Loan ( Cash Advance ) from JP Morgan Chase Bank, I signed a Promissary Note which doesn't constitute a loan, My mortgage was the agreement that pledged the property as collateral for a loan. I haven't been notified of Acceptance so I paid for and Offer that is currently filed in XXXX XXXX XXXX XXXX. Loans means debt evidence by promissory note plus interest. JP MORGAN CHASE BANK needs to show proof of interest in my private property. This is Fraud 18 USC 1001, slavery forced compliance to contracts not held 18 USC 3571 also Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XXXX ) XX/XX/22 Bank of American ( BofA ) Advantage Savings Account XXXX XXXX XXXX opened. 
XXXX ) XX/XX/22 Transfer from XXXX XXXX XXXX initiated. {$10000.00} XXXX ) XX/XX/22 Transfer to BofA received/recorded. {$10000.00} ( from BofA statement XXXX ). 
XXXX ) XX/XX/22 Notification 1 from BofA that Account XXXX XXXX XXXX unilaterally closed. 
XXXX ) XX/XX/22 BofA account closing transaction listed as - {$10000.00}. ( from XXXX statement ). 
XXXX ) XX/XX/22 Notification 2 from BofA that Account XXXX XXXX XXXX closed. 
XXXX ) XX/XX/22 Final bank statement from BofA, covering XXXX. Account closed. 
XXXX ) XXXX? XXXX Check received from BofA, for {$100.00}. 
XXXX ) XX/XX/22 After multiple phone inquiries to BofA, XXXX has not received the check for the remaining {$10000.00} listed in the final account closing. At the most recent phone call, XXXX was told that he may not receive the {$10000.00} check for as long as 10 years.

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 2022-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Due hospitalization and return to work date, I called Capital One ( XX/XX/2022 ) to request a skip pay for XX/XX/XXXX, the skip pay was successfully I was told to wait 24 hours for system to update and it was. On XX/XX/2022, i received a past due email stating I need to make a payment. The first representative placed me on hold for 5 mins then disconnected the call. Second call- I spoke an representative to ask for a supervisor. They transferred me to XXXX XXXXsupervisor and did not want to handle the call so I was transferred back to another department. Ive spoken to XXXX before and she was very argumentative and condescending. I was speaking to her and she dropped call and I talked to another agent. This agent started with my charge, finance charges and payment from XX/XX/2022 which had nothing to with the skip pay. I asked several times with several representatives that does not use their resources to answer the customers questions. The outsourced representatives are more concerned about their Average Handle Time than the customers. I find it very difficult to resolve issue with Capital One customer service. This should have been a 10 mins call which would have helped their AHT. Third Call- I spoke to XXXX XXXX XXXX agent ) that stated I had a past due payment in the amount of {$83.00}. I asked her how can there be a past due payment for XX/XX/2022 when the money due was zeroed out. Instead reviewing the account before answering they provide XXXX transferred me to another supervisor that acted as though he could not hear me when he spoke it was every other word then phone disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: FL

Complaint narrative:
Transunion is showing a balance of {$380.00} reporting to my credit report it should be {$190.00} with 5 missed payments it is not the same with the other credit bureau under the federal trade commission all three must be reporting accuracy on all three an according to 15 USC 1666b A creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose as well you are in violation of 15 USC 1681 Section 602 that states I have the rights to privacy in which you have not been practicing. you did not get my written consent to furnish late payments nor this account on my consumer credit which make you in violation of 1681 Section 604a.

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 2022-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is regarding CFPB complaint # XXXX Attached are the proofs. 

XXXX Bank letter proves that identifying information was there to apply the payoff balance on XX/XX/22. The error is on XXXX XXXX, ShellPoint, NewRez. 

XXXX the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: MO

Complaint narrative:
my rights has been violated as a consumer because On or around XX/XX/2022 I ran across an ad from discover that I have attached to this complaint. It does not state anything about a hard pull to my credit report. I never authorized Discover to report on my credit report at all. Not only is this identity theft related because I did not authorize for Discover to report the inaccuracies on my credit report. The information that they advertised was very misleading and it did not mention anything about reporting on my credit report at all nor did I give them consent to report to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
As a pay-back for complaining about an issue to make online payments for an amount different than the full balance or remaining statement balance, XXXX has removed from the 3 credit bureaus ALL INFORMATION related to my account including credit limit, credit balance, payment history ( always paid on time ), status, etc. 

As a result of this action, my credit score dropped this month OVER XXXX points. When I received alerts about score changed I reviewed all 3 credit reports and couldnt identify a real issue. I called XXXX to discuss the matter and they simply deflected the issue. 

Their website, under credit journey shows that the account is under dispute. Interesting enough I have never taken such action. 

This is just another way how monster companies like XXXX, abuse regular citizens and harm their lives!

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 2022-10-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
As a pay-back for complaining about an issue to make online payments for an amount different than the full balance or remaining statement balance, XXXX has removed from the 3 credit bureaus ALL INFORMATION related to my account including credit limit, credit balance, payment history ( always paid on time ), status, etc. 

As a result of this action, my credit score dropped this month OVER XXXX points. When I received alerts about score changed I reviewed all 3 credit reports and couldnt identify a real issue. I called XXXX to discuss the matter and they simply deflected the issue. 

Their website, under credit journey shows that the account is under dispute. Interesting enough I have never taken such action. 

This is just another way how monster companies like XXXX, abuse regular citizens and harm their lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
As a pay-back for complaining about an issue to make online payments for an amount different than the full balance or remaining statement balance, XXXX has removed from the 3 credit bureaus ALL INFORMATION related to my account including credit limit, credit balance, payment history ( always paid on time ), status, etc. 

As a result of this action, my credit score dropped this month OVER XXXX points. When I received alerts about score changed I reviewed all 3 credit reports and couldnt identify a real issue. I called XXXX to discuss the matter and they simply deflected the issue. 

Their website, under credit journey shows that the account is under dispute. Interesting enough I have never taken such action. 

This is just another way how monster companies like XXXX, abuse regular citizens and harm their lives!

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 2022-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
After reviewing my credit profile I identified a discrepancy with an account listed under National Credit Systems and validation was requested by email on XX/XX/XXXX as this was an account I did not recognize and would like more information as to how this could be my debt. I reviewed my credit report again XX/XX/XXXX and the account still reflects on my credit report and I have yet to received any correspondence from the creditor to validate this account as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Utility company improperly wrote off balance. Write off was reversed, with all bureaus receiving notice from utility company on XX/XX/2022. To date, bureaus have not removed the writeoff and despite calls, can not confirm if they have the reversal or note. 

Its been over 60 days and no one seems to care about correcting this. 

I am being financially harmed and demand they reverse the write off as the utility company requested.

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 2022-10-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Utility company improperly wrote off balance. Write off was reversed, with all bureaus receiving notice from utility company on XX/XX/2022. To date, bureaus have not removed the writeoff and despite calls, can not confirm if they have the reversal or note. 

Its been over 60 days and no one seems to care about correcting this. 

I am being financially harmed and demand they reverse the write off as the utility company requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Reporting agencies are reporting inaccurate information and I tried numerous times by having both items blocked or removed. I havent received any information pertaining these two items. These two accounts has hindered me and a very uncomfortable way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
On XX/XX/XXXX I sent out a inquiry removal letter, i specifically asked them " I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. '' within 5 days I got a response from Experian saying the information was " accurate '' yet they DID NOT provide me the proof I asked for if they did decide to label it " accurate ''

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 2022-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
In XX/XX/2022, I had autopay set up to make my monthly payments through Shellpoint Newrez Mortgage company.. I have had this loan for almost 6 years with no issues and no late payments.To my surprise I get a notification 31 days later that my mortgage was not paid for the month because the auto-pay did not go through. This was on there end that the issue arose. I didn't have any contact, email, phone call from the mortgage company about this issue. I only received notification when my credit score took a XXXX point drop from the missed payment. This is unacceptable. 

I have been trying to get this resolved for the last 4 months with no help. I have provided all proper documentation including my credit report and a written letter. They have been not understanding of the issue and taking blame that it was my fault. This needs to be resolved and update to all credit buereas needs to take place. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: TX

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right .

15 U.S.C 1681 section 602 A states I have the right to privacy..

15 U.S.C 1681 section 602 A Section2 : it also a Consumer reporting agency can not furnish a account without my written instructions..

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 2022-10-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: AR

Complaint narrative:
I have attempted multiple times to dispute information on my LexisNexis file and have not been able to successfully get the information actually disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I purchased a car on XX/XX/XXXX. I've contacted this Capital One so many times pleading for help every time I found out new information about how I was defrauded by XXXX XXXX Mitsubishi dealership. The bank approved this loan with out fact checking the contract. I was also told that this car was new and I was the first owner but that was a lie, but new was on the contract. The dealership made my income on the credit report extremely higher then what it was. I was pre-qualified with the bank before purchase of the car and I've been a customer for many years so they already knew my income. They put a warranty on my contract that I did not ask for nor needed. Also I was with out legal transportation for over a week cause my temporary plates had expired. When I finally get them they are not the handicap plates I was told I was getting. So I had to go to the NJ XXXX to get the correct ones. I was told the contract was going to be canceled out and I'll get all my money back and the dealer will own the car again. It sounded too good to be true so I ask for it in writing but I was told no from dealership. Then last month I was told by the bank that the dealer is posting a payment of {$23000.00} which will pay off the account and was asked do I still want to make my payment I said yes. Then I asked the dealer to send me proof that they are making a payment. They sent me a questionable invoice with capital one name spelled capital once. Then my payment of {$440.00} posted on my due date XX/XX/XXXX. The next day XX/XX/XXXX 2 payments posted totaling {$23000.00} and doesn't say where they came from. My payment was reversed and {$38.00} was taken from it as the last payment. A week later I received a congratulation letter and lien release letter which said I was the owner. On XX/XX/XXXX I received a letter from the bank saying the dealership purchased a retail installment contract from them. I believe this information was withheld on purpose. I'm very horrified, disappointed and distressed by they're conduct towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: NV

Complaint narrative:
The Credit agencies EquifaxXXXX  stated my accounts were properly investigated and verified as accurate for the 3rd time. I contacted the agency to remove the inaccurate information and update my credit report. they responded with the account is verified the inaccuracies still remain causes harm to my livelihood. They have reported payment dates inaccurate showing XXXX  with no 30 or 60 days late. On one account there reporting 3 different payment Example  Ok/30/Ok history on all 3 reporting agencies. I did not give them permission to produce this information. This should be removed because they are violating my rights under the Law

15 U.S Code 1681 - CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE

(a) Accuracy and fairness of credit reporting

15 U.S Code 1681E COMPLIANCE PROCEDURES

(b) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I also have the tracking number to prove they where notified by mail 
XXXX  XXXX XXXX XXXX XXXX XXXX
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: WI

Complaint narrative:
TransUnion is reporting four bankruptcy cases on my credit report XXXX and XX/XX/2022. Transunion and XXXX states the information was furnished from Bankruptcy Court State of Wisconsin .I have attached a letter from the Bankruptcy Court stating they do not furnish nor do they verify or validate this information Transunion and XXXX is reporting in this report and I have furnished them and added to this report the information from the Wisconsin Bankruptcy Court stating they do not verify this information. Transunion and XXXX is falsely stating this information on my credit report.

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 2022-10-16 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: FL

Complaint narrative:
Equifax is showing a balance of {$350.00} reporting to my credit report it should be {$190.00} with 3 missed payments it is not the same with the other credit bureau under the federal trade commission all three must be reporting accuracy on all three an according to 15 USC 1666b A creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose as well you are in violation of 15 USC 1681 Section 602 that states I have the rights to privacy in which you have not been practicing. you did not get my written consent to furnish late payments nor this account on my consumer credit which make you in violation of 1681 Section 604a.

Company response to consumer: Closed with explanation