vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a wire transfer of {$100000.00} from my Chase checking account to a beneficiary account at XXXX. The account number was entered incorrectly. The same morning, I initiated an amendment request with Chase to amend the account number, but it was unsuccessful and XXXX returned the wire back to Chase at around XXXX on XX/XX/XXXX. I have made repeated phone calls to Chase customer service demanding the {$100000.00} wire transfer to be returned to my account so I can send it to the correct beneficiary, but I have been unsuccessful and Chase provided conflicting information on every single call. A Chase representative, XXXX, on a phone call on XX/XX/XXXX at XXXX, admitted that the amendment request resulted in the funds returned from XXXX to be routed to a Chase owned account instead of my account. She promised to expedite the return of funds, but the funds are still unavailable and I am left to suffer the consequences of bounced payments, lost times, and wasted productivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer 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 non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting 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:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-10 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID ON TIME PURSUANT TO 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I purchased a home on XX/XX/XXXX with Freedom Mortgage as the lender. The house was purchased for {$600000.00} and appraised at {$620000.00}. I put {$100000.00} as a down payment, and as such, was subject to PMI. 

After closing, I decided to make an additional principal payment to bring my loan to a principal balance of {$460000.00} on XX/XX/XXXX, which reduced my Loan to Value ratio to 78 %. I requested that PMI be removed after this payment posted, and was denied due to " the loan does not meet the 2-year seasoning period, and the loan-to-value ratio is above 80 % [, ] '' which does not align with the house 's value and the remaining principal balance. 

I requested reconsideration, and was told that : " Please note that the loan your loan originated on XX/XX/XXXX, and it has not been assigned to an investor yet. Due to this, we are unable to review the loan for PMI removal. You may request for the removal of the PMI once the investor has been assigned. '' It's my understanding that at 78 %, my PMI should be automatically cancelled per https : XXXX " Is my PMI automatically canceled once my principal balance is 78 percent of the homes original value? '' I am current on my payments.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
An account with XXXX XXXX appeared on my credit reports as a charged-off debt. I have never opened an account or heard of this company before. I contacted the company to dispute this but since they track accounts by phone number and my phone number is not found in their system, they could not find my account. The credit reports show an open date of XX/XX/XXXX and close date XX/XX/XXXX. I have not ever leased or purchased goods or services that were financed through this company. it appears that this account was opened with {$3500.00} of credit but no payments were ever made on this account. The unpaid balance reported by them on my credit report is {$6300.00}. This account is erroneous, inaccurate, and is not mine.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
An account with XXXX XXXX appeared on my credit reports as a charged-off debt. I have never opened an account or heard of this company before. I contacted the company to dispute this but since they track accounts by phone number and my phone number is not found in their system, they could not find my account. The credit reports show an open date of XX/XX/XXXX and close date XX/XX/XXXX. I have not ever leased or purchased goods or services that were financed through this company. it appears that this account was opened with {$3500.00} of credit but no payments were ever made on this account. The unpaid balance reported by them on my credit report is {$6300.00}. This account is erroneous, inaccurate, and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
An account with XXXX XXXX appeared on my credit reports as a charged-off debt. I have never opened an account or heard of this company before. I contacted the company to dispute this but since they track accounts by phone number and my phone number is not found in their system, they could not find my account. The credit reports show an open date of XX/XX/XXXX and close date XX/XX/XXXX. I have not ever leased or purchased goods or services that were financed through this company. it appears that this account was opened with {$3500.00} of credit but no payments were ever made on this account. The unpaid balance reported by them on my credit report is {$6300.00}. This account is erroneous, inaccurate, and is not mine.

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 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I tried to login to Chime account and it had a message that my account had been closed. I called to find out and they told me that the account was closed XXXX. My balance was {$210.00} by XX/XX/year>. There was a settlement for XXXX leaving the account in XXXX balance. 

I have not received any check from them since that date. 

TRANSACTION DATE XX/XX/year> DESCRIPTION Adjustment AMOUNT - {$210.00} NET AMOUNT SETTLEMENT DATE - {$210.00} XX/XX/year>

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Freedom Mortgage company is charged with sending any and all payments for my homeowners insurance in a timely manner from my escrow account ( which is current and in good standing ) to XXXX XXXXXXXX XXXX. While Freedom Mortgage claims payment was sent on XX/XX/XXXX, as of XX/XX/XXXX XXXX still has not received it and will terminate my policy as of midnight XX/XX/XXXX if not received. Freedom Mortgage has not agreed to contact XXXX to address this. They have had plenty of time and resources to send in payment much earlier to avoid circumstances that could lead to cancellation and they have been negligent and now not taking accountability for it. Very clearly I can do nothing to track down a payment I was not charged with making. 
Not one of my mortgage payments to Freedom Mortgage has ever been late or returned. Escrow is in good standing with plenty of funds. I'm still waiting for a follow up call from anyone at Freedom Mortgage that will make this right. And have heard from no one. I spent 40 mins on a phone call waiting to speak with someone and the customer service representative I eventually spoke to had no knowledge or authority to help me in any way.

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 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received notice of a lawsuit by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Bank of America. I filed an answer and met with XXXX XXXX XXXX ( partner in the law firm ) and explained that due to my medical conditions I had to take early Social Security and am receiving XXXX XXXX  monthly and barely making enough to survive. I explained that my income prior to me taking social security was over {$80000.00}. I offered to settle for {$2000.00} @ XXXX XXXX  monthly, XXXX XXXX denied the request stating Bank of America wants payment in full which he could break into 4 payments. I explained that my only income is Social Security and gave him a copy of my statement. I also explained that these are exempt funds and cant be attached. His reponse was my client wants a judgment. He said he would present a hardship to his client and the court gave us a return date of XX/XX/year>. The law firm file Motion for Summary Judgment and didnt respond back about the hardship presented to their client Bank of America .

I feel that this was deceptive and that both the law firm and Bank of America should be sanctioned by the CFPB. 
Thank you for your time and consideration

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 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: CT

Complaint narrative:
I opened and account with UFB DIRECT A PRODUCT OF AXOS BANK. 
In XXXX XXXX. CA. 

I mobile deposited a Check amount {$100.00} made out from my XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX For Bereavement, the Check cleared in there 5 days holding period. I had a problem with a second deposit with a mobile deposit they closed my account. I requested my balance of {$100.00} to be mailed to my address I was told i will have the check between 7-10 days, I waited two weeks before i called them to check on why i have not received the Check, they put me on hold for a while and the representative told me that they told her to tell me that they was still trying to verify the Check. I told her it has been two weeks and i no the check was cleared and my Pastor told me it was cleared, The Representative was very rude and unprofessional.I just want my Funds in the amount of {$100.00}. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
( List all accounts : ) ''

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