vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
Today, while, I, XXXX XXXX XXXX ( Borrower, my wife XXXX XXXX is on the deed with me and I always authorize her to make the monthly mortgage payment which she has done for the past 13 months while obtaining our little home, Truist Mortgage company is a crook and steals out time and tries stealing our money they are not entitled to. They tried raising our monthly fixed payment of {$1100.00} to {$1200.00} after Confirming the Escrow actually DECREASED. They had no valid reason to raise the fixed FHA mortgage and even states we would get reimbursed once they complete straightening out the incorrect home owners insurance that dropped to $ XXXX annually, the mortgage has it at {$670.00} while also admitting that per the closing on the house, they had us at $ XXXX for the hone owners insurance and we were paid an overage from the insurance with an amount of {$100.00} in XXXX. Truist decided to raise our monthly payment to {$1200.00}, creating fraud. I want it to stop. I hate Truist Mortgage and I never asked for them. Our mortgage company sold the mortgage to these crooks. I want Truist mortgage to stop committing mortgage fraud! Sincerely, XXXX XXXX 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 2024-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In XXXX I apply and received a XXXX XXXX from XXXX XXXX now Navient. On XXXX I did a Bankruptcy and Navient was listed as XXXX of the creditors. The issue is that Navient have not discharge the debt as ordered by United States Bankruptcy XXXX in XX/XX/XXXX. 

On XX/XX/XXXX received a letter from XXXX XXXX XXXX a collection agency for Navient requesting payment of the debt. On the letter it stated that I had until XX/XX/XXXX to dispute but the agent called and asking what I am going to do about the debt. I called Navient and the agent at Navient gave me a email address to contact them but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I went on a tour of an apartment complex, XXXX XXXX XXXX. I never completed an application nor did I express any interest in the apartment. In XXXX and XXXX, I received debt notices stating that I owed {$120.00} for completing an application or for move-out fees. I informed them via phone and email that I did not apply for an apartment with them and that I have never lived there. I never uploaded any documents or provided any sensitive information to complete the application. 

On XX/XX/year>, I spoke with XXXX, who claimed the charge was for move-out fees. I reiterated that I had only toured the apartment and had never lived there or completed an application. She promised to investigate and call me back, but instead sent an email claiming she had called, which she had not. Subsequent attempts to reach her by phone went unanswered. 

I called each time I received a debt notice. They either assured me they would inform the original tour guide or the property manager. On XX/XX/year>, at XXXX XXXX, after receiving a paper debt notice from National Credit Systems , Inc., I spoke with XXXX. He told me to speak with the property manager, XXXX XXXX. Despite multiple attempts and leaving messages, I have not received a call back from her. 

I am submitting a complaint for fraudulent and unethical activities against National Credit Systems XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. They unethically retrieved and shared my personal and sensitive information without my consent, and are now sending debt collection notices to my new address, for which I am not responsible. The information provided to XXXX XXXX XXXX XXXX XXXX XXXX XXXX new address after relocating to XXXX, FL, which I did not give them. Therefore, XXXX XXXX XXXX XXXX XXXX my sensitive data without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting 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:
FCRA 605B necessitates the removal of any erroneous accounts from my credit report. These accounts inaccurately represent the reporting. I should be compensated {$1000.00} for each mistaken report on my credit file.

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 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My husband is XXXX XXXX XXXX, and he already has a {$25000.00} credit card with Navy Federal Credit Union. Today, they sent him another {$6000.00} Credit Card. Why send someone who is XXXX and XXXX  that much credit. They are just encouraging fraud. You would think when they see the age and no JOB they would turn him down. Who is going to pay these bills. I don't know what is his and that isn't. 

His name is XXXX XXXX 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 2024-05-28 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
Hello, I was checking my XXXX, XXXX, and XXXX and the company XXXX XXXX XXXX, Nissan acceptance. CXXXX XXXX has report was updated to all three credit reports with different amounts, and currently still charging the account that was updates XX/XX/year>. Nissan acceptance says paid off but also still updating information to potentially in the negative which is causing the score to be low.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TN

Complaint narrative:
Hello, I was checking my Experian, XXXX, and XXXX and the company XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX has report was updated to all three credit reports with different amounts, and currently still charging the account that was updates XX/XX/2024. XXXXXXXX XXXX says paid off but also still updating information to potentially in the negative which is causing the score to be low.

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 2024-05-29 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: FL

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts contain inaccuracies regarding reporting, inaccurate amounts, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Two problems Chase moving my account over from First Republic. Note, Chase initiated this move -- I did not request it.

1 ) Bill Pay Recipients not moved as promised.

See the attached Transition Checklist, item Online Bill Pay and Transfers.

My checking account was moved from First Republic to Chase this past weekend. The Transition Checklist states " The online bill pay recipients you set up on firstrepublic.com ... .will transfer to Chase ..... '' I went into the Chase site today and NONE of my Bill Pay Recipients were present. I have sent a " message '' to Chase inside the app, but no response. 

2 ) No instructions provide on how to adjust my XXXX to connect to the new Chase account and flow new data into the existing account in XXXX. 
I have tried several different attempts make my XXXX connect to Chase, but nothing has worked. Chase should provide me clear, easy-to-follow instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
I completed my IBRP application and have confirmation emails from student aid.gov on XX/XX/year>. My previous payment was around {$140.00} which I have been paying faithfully on time because I signed up for autopay. The new plan, the new SAVE plan is the one I chose. It estimated my payment to be around {$400.00}, as my family income has increased. Today MOHELA took {$1500.00} from my account. I called customer service because that is in no way what I signed up for. They had no even processed my application!! No record of it. The customer service person was kind, and agreed the situation didn't sound right. After putting me on hold came back saying something about there is an account " monitor '' that " checks on ability to pay on time '' and that's why they did that. She mentioned something about the promissory note saying they can do that. I mentioned to her I have applied for ( and am close to qualifying for PSLF ) She also said there is nothing they can do to refund my account but they put the account in forbearance until the application is processed. This behavior is not okay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I spoke with Roundpoint Mortgage Servicing llc 's customer service. I explained to them that we XXXX XXXX XXXXXXXX  that need to be in the XXXXXXXX XXXX and I missed the XXXX payment by 5 days. I have never been late in 30 years on any payment, but we had a baby in the hospital. I paid the amount due and asked if they could remove the late payment fee of {$85.00}. The lady stated we don't usually but we can do it this time. I then called today, XX/XX/XXXX and the gentlemen on the phone stated that he can not do it, it was the company 's fault that my XXXX XXXX XXXX XXXX XXXX. I asked to speak to a supervisor, he said no one was available. He put me on hold and said his supervisor said he could do nothing for me. I stated, I had a XXXX XXXX XXXX XXXX  and your saying that its not your problem that is inconsiderate and unprofessional. His superior 's name was XXXX XXXX I asking the CFPB to investigate as to why the company won't credit me the {$85.00} one time and why is it having a XXXX XXXX XXXX XXXX not a serious event. We are paying our mortgage on time and have never been late. The courtesy to a customer would be warranted due to the circumstances. The major issue is that on XX/XX/XXXX they said they would credit the late fee back but the XXXX XXXX XXXX XXXX XXXX was not serious for Roundpoint Mortgage Serviving, LLC.

Informed XXXX XXXX as well as they hold the mortgage.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a victim of identity theft. The person who stole my identity is XXXX XXXX and she goes by other aliases. https : XXXX XXXX XXXX XXXX XXXX best friend / roommate / business partner stole my information before she moved out to live with this woman. They drained my bank account over $ XXXX. Chase gave me a credit then reversed it and has refused to help me recover the funds. This woman also opened credit cards in my name. After everything was disputed I closed the account. One month later chase reversed the debt and wants me to pay over XXXX. The debt is now on my credit as XXXX, XXXX, XXXX, XXXX, and over 120 days late. I have called many times to dispute, they are no help. I submitted a dispute form. Chase lost it. I submitted another dispute form and it magically disappeared again ( my guess was Chase wanted to buy time to charge me interest and make my account more late ) I again for the third time submitted another dispute form and chase lost it again! An electronic dispute form. They informed me I needed to go in person to the bank even though I explained I was living on a mountain not near any banks. One month later I was able to go into a bank in person to submit a paper dispute form with the help of a teller. CHASE LOST THIS DISPUTE FORM. I had a picture and the employees name and they refused to accept it and insisted I needed to go in person to submit another paper dispute form. I go in person to submit my XXXX dispute form over the course of several months. Chase lost it again. When I finally submitted my XXXX dispute form in person they rejected my dispute without reason. I requested for them to reopen the case and they refused and said I needed to pay the debt and they could not help me recover the funds. I provided my police report also ( the police refused to help because identity theft is a nonviolent crime ) I requested proof the debt was me and an itemized list of debt per section XXXX over the phone on two different occasions and Chase refused to provide me the information and says they are not bound by section XXXX. I am trying to find a lawyer I dont know how to fight this big corporation to get my money back- I feel so helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I am a concerned consumer after looking at my credit report. I see many alarming mistakes with how you are reporting information about me.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/year> I received a pre-selected credit card offer from XXXX essential reward XXXXBarclays Bank showing a {$200.00} cash back bonus offer after spending {$500.00} on purchases in the 1st 90 days. ( Offer code : XXXX ). Also I'm an XXXX  retired XXXX citizen and an XXXX member too. Because of this bonus offer I accepted the card and they approved on XX/XX/year> with a credit limit of XXXX. Until then I started to use this card and had a balance due on around {$3200.00} as of today. Couple of weeks ago I contacted Barclays bank about this offer, but they denied and said there is no such offer. Again I contacted them multiple times ( emails/calls ) and finally they requested the proof of this offer. I send them the original invitation on XX/XX/year> where the address they provided through the email. They received the original proof and unfortunately still denying the cash back bonus offer on this card. 
Also I contacted XXXX today and they said Barclays Bank is responsible. That means none of them are helping to solve this issue. Basically this is cheating, the bank took all information 's including my social security for credit check. Due to their default action I didn't receive my bonus and also my credit score lowered. So please make appropriate action against this bank to receive their promised offer. Thanks,

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 2024-05-29 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: NY

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX Balance : {$110.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$70.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/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 2024-05-29 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: NY

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX XXXX : {$110.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$70.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX XXXX : {$200.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The consumer reporting agency Transunion failed to ensure that the furnisher properly investigated and gave them Transunion complete and accurate information. As it stands the accounts that I have disputed in a 3rd attempt are in violation of 15 USC 1681e ( b ). I want the accounts removed immediately because this consumer reporting agency is approving incomplete and inaccurate account information. There are a total of 3 accounts in their records that are on my credit filed reflecting as inaccurate and incomplete. These accounts either show " No Data '' which implies the account 's incompleteness or subsequential and inaccurately formatted negative items being reported in each of the XXXX account 's payment history as " XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX '' this does not align with accurate reportings of late payment which line up in a specific order as it increases.

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