vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HOME BANCSHARES, INC.
State: CO

Complaint narrative:
My father had multiple CD 's with Centennial, XXXX XXXX handled his accounts there. Through a long process of many contacts to Centennial Bank with no information willing to be released, no documents willing to be provided ... I finally received contact from the banks attorney XXXX XXXX following an FDIC complaint that I submitted. I had requested ALL copies of CD 's that my father had opened there starting in XXXX. I'm a POD beneficiary. I only received copies of documents showing newer CD 's dated XXXX that were never signed by my father to open. My father died XX/XX/XXXX and was determined to be XXXX quite a while prior. XXXX XXXX, as I have in a recorded confession from XXXX XXXX actually went to my fathers residence in the XXXX  with XXXX XXXX and XXXX XXXX present to make a determination of my fathers complete iXXXX  thus allowing the trustees-XXXX XXXX XXXX XXXX XXXX and XXXX XXXX to close these accounts out and put into a money market so they could gain access to the funds. My father created the CD 's specifically to keep them out of probate and out of the reach of the trustees. Centennial states that a Durable Power of Attorney was presented allowing the trustees to access however, The DPOA states clearly that the third party may rely upon it if the power has not been revoked, that I am then living and that No proceedings have been initiated to determine my incapacity. No harm will come to that third party unless they have actual knowledge otherwise. As I can prove in a court of Law- XXXX XXXX had more than personal knowledge, she's the one that determined my fathers incapacity as the bank representative. 
I want copies of the original CD 's produced that my father set up in XXXX and I want to know exactly how Centennial allowed trustees to close accounts that were never opened. I want to know where these monies actually were since the documents provided to me finally after investigation # XXXX were never signed to be opened by my dad. Centennial, my trustees, and Centennials attorney has taken so much time to conceal the events that took place and deny the existence of critical supporting documents. This was a fraudulent act by all parties involved that needs to be acknowledged with prompt corrections made by Centennial Bank for the loss suffered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
On XX/XX/2022, I was notified via telephone about a check that was deposited through mobile deposit. There were not adequate funds in my checking account. The check amount was {$8200.00}. I was not aware of any check written of this amount by me. I personally went to my bank, United Community Bank in XXXX XXXX, GA. There, I requested to look into previous transactions for similar fraudulent activity. The banker looked into my account and there were a total of 13 fraudulent checks which had been cashed from my checking account. From those, 7 checks had been cashed, totaling up to {$39000.00} within the last 24 hours and 6 more checks had been cashed within the month of XXXX, totaling to {$16000.00}. The banker stopped any further transactions on the account. The banker filed a complaint to the fraudulent activity department at the bank and I filed a police report as well.

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 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Bankruptcy judge ordered modification on second mortgage while first mortgage was in XXXX XXXX. Finalized bankruptcy last year, but no contact from second mortgage servicer company since declaring bankruptcy XXXX  years prior in XXXX. When second mortgage servicer, Mr. Cooper did finally respond, they demanded the full amount. 
They are now stalling for the highest interest rates through " the paperwork shuffle '', where they allow documents to expire and force you to begin the process over. I am attempting to apply for a modification, now a second application since early XXXX. They omitted IRS tax form 4506T, a form that expires every 6 months, they know it and omitted it. When I emailed them yesterday, they responded by confirming my request for IRS tax form 4506C. 
XXXX was the original servicer on my first and second mortgages, and pulled XXXX years of loan modification " paperwork shuffle '', from XXXX through XXXX, which forced me to force them through bankruptcy to work with me. 
The first mortgage is resolved, happy and current, but that second one knows I can't use bankruptcy again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: ASSOCIATED BANC-CORP
State: MI

Complaint narrative:
My information was used without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: GA

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Address ID # XXXX Multifamily 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address ID # XXXX Single family 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX Single family 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX 6. XXXX XXXX XXXX Name ID # XXXX 7. XXXX XXXX Name ID # XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
XX/XX/2022, a payment from Social Security XXXX of {$750.00} and {$87.00} from the state was suppose to be deposited into my chime account. After a day or so, I reached out to Chime. They claim the never received the payment. I contacted Social Security and they provided me with the tracing number. That tracing number showed that the money was put into my Chime account and that Chime was withholding my funds and refusing to release it to me. I reached out several times or so the next 30 days and got absolutely no where. They even sent me an email saying that they could not trace were my money went to. Still to this day, I still have not received my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: U.S. BANCORP
State: MI

Complaint narrative:
My information was used without my permission

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 2022-08-03 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My information was used without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Sent cease and desist contact ( citing Fair Debt Collections Practices Act ) letter 2 weeks ago. They have contacted me at least 4 times since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have sent multiple letters, disputed and called many times to get my accounts reported correctly. XXXX accounts are being reported past due 90 days but the comments on my reports says past due 120 days in XXXX. This is an inaccuracy that is putting my housing in jeopardy. I am currently unable to get approved for a mortgage because of this and it is causing great hardship to me and my children. I called Nelnet XXXX time XXXX and none of the representatives are able to provide me with notices that would have provided me information on when to pay and how much in XXXX. The reps were only able to provide me with a statement from XX/XX/2019 but this does me no good if this is the only notice that was sent as the late payments had already occurred. Furthermore they are unable to explain why all of a sudden payments were required. I contacted all three bureaus to get this corrected and they all referred me back to Nelnet. When I dispute with the bureaus the results come back updated. On my phone call with Nelnet, on a recorded line I asked for validation of late payments I was told they couldn't send it to me, unacceptable. Nelnet requires me to have said correspondence from XXXX but as the sender can not provide validation or notices of payments. This has been detrimental to me securing housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: NC

Complaint narrative:
Transunion displays innacurrate employer information on report. I don't work for XXXX XXXX. I work for 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 2022-08-03 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My information was used without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have submitted several letters to 2 credit bureaus- XXXX and Experian disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', XXXX'date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-03 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: CA

Complaint narrative:
in accordance with the Fair Credit act XXXX XXXX XXXX Account # ( XXXX ) 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.

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 2022-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I was not late30 days on my mortgage with NR/SMSXXXX  they marked me 30 days late on XX/XX/2022. I called them and they were awful to me. I felt very discriminated because of my accent. I want this removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: GA

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX Multifamily 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address ID # XXXX Single family 3. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Address ID # XXXX Single family 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX 6. XXXX XXXX XXXX Name ID # XXXX 7. XXXX XXXX Name ID # XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: GA

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 1. XXXX XXXX XXXX XXXX XXXX GA, XXXX Address ID # XXXX Multifamily 2. XXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family 3. XXXX XXXX XXXX XXXX XXXX NY, XXXX Address ID # XXXX Single family 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX 6. XXXX XXXX XXXX Name ID # XXXX 7. XXXX XXXX Name ID # XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I made my XX/XX/XXXX mortgage payment on XX/XX/XXXX. The payment was in the amount of {$450.00}, of which {$350.00} was to be applied to interest and {$100.00} to principal. On XX/XX/XXXX they applied the entire payment to principal then after XX/XX/XXXX they proceeded to call me daily that I delinquent on the mortgage. I have tried to rectify this since XX/XX/XXXX by emailing and calling them almost daily. They then reversed the payment and applied it all to interest. Again even after numerous calls and emails they still are not applying the payment correctly and as a result I have been over charged for interest because they did not retroactively apply the payment with an effective date of XX/XX/XXXX. I have sent 6 emails to try an get this fixed to which I have never gotten a response except to say that they received my email, I have called no less than 5 times and there is never a Supervisor or Manager available to talk to. They take my name and say they will call back but they never do. I should be due for my XXXX payment and as of today they have made even a bigger mess by reversing and re-applying the payment again to interest and their systems now shows I am due for the XXXX payment which is incorrect. It's simple servicing, so I am at a loss as to why this payment can not get applied correctly.

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 2022-08-03 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Name : SYNCB/CCARE1 Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have violated my rights. 
As well as my personal information to be reporting the updated information. 

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

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven 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 non-monetary relief
Consumer complaint received 2022-08-03 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
My information was used without my permission

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 2022-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My information was used without my permission

Company response to consumer: Closed with explanation