vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX of 2024, around XXXX AM in the morning I called Chase Bank to activate my new business debit card when I called to activate my card they told me they can not activate the card because there was a XXXX hold of {$300.00} in my account. I let them know that that charge was not done by me because my business account was XXXX week old and I just received my debit card.. then they transfer me to his supervisor which then explained that they will need to lock my account until the issue was solved. After he made this comment, he ended the call since I was at work I said to myself I will give them a call back later during the day. Later that day, I noticed that why transfers were made from my business checking account and my personal checking account. The wire transfer that was made from my business checking account of {$3400.00} plus {$25.00} a while transfer fees then also another wire transfer was made from my personal checking account of {$1200.00} and {$3200.00} plus a {$50.00} wire transfer fee. Immediately when I noticed this, I called the fraud department of Bank to let them know that these transfers were made from my account to XXXX XXXX bank. The response was that I was going to receive my money back within 3 to 5 business days during the week I called them again the following Tuesday And their response was that they were not able to retrieve the money from XXXX XXXX so I was not gon na get my money. I specifically explain to them that I am the one being held responsible for all this money when our transferred were made from my account without my knowledge. And their response was they have no control of the other bank situation. And I specifically explain to them that these chargers are holding me back from my business and my personal life because I can not pay my employees or take care of my family especially my daughter, and they didnt even care. so I decided to take legal actions towards this situation because I will not allow anybody to have access to my money that I have worked so hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I tryed to call bank of ammetica and yold me its outter there hands called the third party and they have nothing to show just telling me theres debt to be paid

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 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I started the process for PMI removal back in XX/XX/XXXX. I called my mortgage loan servicer and confirm they received my written request and they said yes. The check was in the same envelope as the written request as required/instructed by NewRez. Then I called back as I didn't hear back for another 2 weeks and they then said the letter was not here and I had to resubmit - after they told me they had it. Either way, they never informed me of this " missing documentation '' and I assumed after talking to one of their representatives it was all set. I finally got ahold of a manager who said to re-submit to her and she would call me back IF she DIDN '' T receive the email - no call back so once again assumed it was all set. A week later I follow up with this manager to find out that she didn't receive the email but never called me back. I finally scheduled the XXXX on XX/XX/XXXX and was told to give it 5-7 days. I once again never heard from NewRez so I called on XX/XX/XXXX to confirm the results were in. A representative told me that PMI was to be removed starting with the XXXX payment but it was never adjusted. I was advised to pay XXXX to prevent a late charge and that I would be refunded the difference once they payment adjusted. The XXXX payment is showing due and is still not adjusted to my new payment. Now, I receive a letter dated XX/XX/XXXX from NewRez that is telling me I need to pay a XXXX  fee. I was already approved PMI removal by their company, how does their system generate a letter like this? Was the fee I paid not applied correctly? I have called again today and nothing is being resolved. I paid, I qualified, and my payment still has not been adjusted. 

I am told that all calls are recorded so it should be easy to review.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting 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:
Subject : Urgent : Correction Needed for Car Loan Reporting with BMW Financial Dear Consumer Finance, I am writing to urgently address the persistent incorrect reporting of late payments on my car loan account, which was enrolled in a deferred payment program. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions.

Additionally, under 15 USC 166b, a creditor may not treat a payment on a car loan as late for any purpose. Despite my repe
ated disputesover nine timeswith the credit bureau, they are neglecting the fact that these months were deferred. Regardless of being marked as 30 days past due, no payment was due during the deferred period.

I urgently request your intervention for an immediate review and correction to ensure accurate reporting, removing any erroneous late payment notations. 

Please see statements to confirm this inaccuracy. 

Thank you for your swift attention to this matter. 

Sincerely, 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Urgent : Correction Needed for Car Loan Reporting with XXXX XXXX Dear XXXX XXXX, I am writing to urgently address the persistent incorrect reporting of late payments on my car loan account, which was enrolled in a deferred payment program. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions.

Additionally, under 15 USC 166b, a creditor may not treat a payment on a car loan as late for any purpose. Despite my repeated disputesover nine timeswith the credit bureau, they are neglecting the fact that these months were deferred. Regardless of being marked as 30 days past due, no payment was due during the deferred period. 

I urgently request your intervention for an immediate review and correction to ensure accurate reporting, removing any erroneous late payment notations. 

Please see statements to confirm this inaccuracy. 

Thank you for your swift attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
Subject : Urgent : Correction Needed for Car Loan Reporting with XXXX XXXX Dear XXXX XXXX, I am writing to urgently address the persistent incorrect reporting of late payments on my car loan account, which was enrolled in a deferred payment program. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions.

Additionally, under 15 USC 166b, a creditor may not treat a payment on a car loan as late for any purpose. Despite my repeated disputesover nine timeswith the credit bureau, they are neglecting the fact that these months were deferred. Regardless of being marked as 30 days past due, no payment was due during the deferred period.

I urgently request your intervention for an immediate review and correction to ensure accurate reporting, removing any erroneous late payment notations. 

Please see statements to confirm this inaccuracy. 

Thank you for your swift attention to this matter. 

Sincerely, 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 2024-01-23 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: CA

Complaint narrative:
Fraudulent Collections are on my Transunion credit Report. i am a victim of identity theft and fraud has taken place. the accounts provided are fraudlent and must be BLOCKED AND REMOVED. The following accounts provided were not opended by me. MY identity was stolen and used against my will. 

Please block and remove the following accounts XXXX XXXX - XXXX  - balance XXXX - date fraudulent account opened - aacount number XXXX XXXX XXXX XXXX - balance {$97.00} - Date fraudlent account opened XX/XX/XXXX  - account number XXXX XXXX  - balance XXXX - Date fraudlent account opened XXXXXXXX  - account number 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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I deposited {$2100.00} in a Capital One Short Pump ATM machine ( Besides XXXX XXXX ) on XX/XX/2023 at around XXXX XXXX. The money was a payment for my Credit Card so that I could get the credit limit right back. 

The ATM errored out and spit out {$600.00} but took the remaining {$1500.00}. The {$1500.00} was not credited to my account. 

Capital One is informing me that it may take upto 2 billing cycles to find the missing payment. I have reached out to Capital One representative and told them this has happened to me towards the end of the month, {$1500.00} covers my mortgage payment, yet they are unable to help me escalate this issue or expedite any of the process involved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NC

Complaint narrative:
I've contacted the credit reporting agencies several times in regards to inaccurately reporting late payments to my credit profile. I have never been late, and no correspondence has provided any verification of my payments being late. Per 15 USC 1681, I have the right to privacy and have not given any written permission for my transactions to be furnished to my consumer report. Further reporting late payments to my credit profile is also in violation of 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This information is under my name and is causing me harm. I need it removed from my history. 



XXXX XXXX XXXX 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 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank is not honoring the Cares Act Credit Reporting requirements. I have a XXXX  XXXX hardship and I am in a loan modification program with US Bank for XXXX mortgages ( and another 1 is still in forbearance ). US Bank is not honoring the Cares Act neutral credit reporting requirements in violation of Federal law. US Bank believes that once the initial forbearance period is completed, it can report delinquent information even when I am still in the load modification process and have been making payments pursuant to that process. 

A consumer class action should be brought against US Bank on behalf of consumers like me. US Bank is not above the law and should be penalized for not complying with the CARES Act and damaging consumers credit with bona fide XXXX XXXX hardships.

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 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: WA

Complaint narrative:
Payment from my bill pay was scheduled to arrive to Planet Home Lending by XX/XX/XXXX and was mailed on the XXXX. Planet Home Lending Claims that they did not receive payment until XX/XX/XXXX and charged a late fee. This is the second occurrence of this type of " payment delay '' and reason to collect late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NY

Complaint narrative:
I have observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite these deviations, I refute your allegations and challenge you to furnish evidence supporting your right to report this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information with integrity and accuracy, along with conducting reasonable investigations of consumer disputes. 

As outlined in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any deviation from reporting standards jeopardizes the integrity of the data. This implies that reporting errors can compromise the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am formally challenging these claims and requesting proof of proper reporting standards. 

Your actions are a violation of my rights, and I have outlined the concerns about your reporting in this document. The incomplete and non-compliant nature of the report fails to meet legal standards, necessitating certification of all aspects of required FCRA/Metro 2 compliance. Failure to comply will result in escalating these issues to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX  {$400.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX {$530.00} XXXX XXXXXXXX {$530.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It is essential to note that I did not grant permission for these accounts, and their presence is causing me substantial distress. I kindly ask that you prioritize this issue, carry out a comprehensive investigation, and expeditiously remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive called and written letters to both XXXX and Experian telling them that my address listed is wrong and has no association with me currently as per Fair credit reporting and that it needs to be changed to my current address. I sent them a copy of my current license and social security card via upload documents as well as bank statements. 

Experian refused to change my address due to a derogatory account listed on my report by a third party debt collector to whom I have no contractual agreement with where my name is misspelled on the actual bill and I disputed twice with both the company and Experian credit bureau citing that I have never had any public service bill in my name and that it was clearly fraudulent. Moreover, I did not live at the address during the timeframe of the bill statement

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 2024-01-23 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: TN

Complaint narrative:
I am a student loan holder in the state of Tennessee. I have always been current with my loans. 
The service loan provider MOHELA are not able to process payments on-time. Rather they decline on-time payments and only accept late payments. I have tried to make payments and they simply decline them and push me to delinquent. I believe this is a scam they are using to tell the media all student loan borrowers are delinquent. I have the money, I use the same information with both attempts to pay but only the past-due one goes through. 

They are purposefully mismanaging on-time payments so they can make borrower 's appear delinquent. Their payment denial says my financial institution does not exist. This is contrary to them taking the payment on the second attempt. They notify of the issue after the loan is due and then only accept the late payment. I believe this is on purpose and meant to ruin the credit of borrowers like me. I feel powerless because I can not even get in contact with them, they just say they are super busy. 

This service provider took on loans they could not handle. I have never in my life not been able to pay a loan I owe. These companies are refusing or unable to process payments. This is causing me to appear delinquent. I am a XXXX XXXX, I can afford my payment and I make them one time. These providers are scamming honest people trying to repay their loans. 

There is also NO way to contact the providers. An email tasks 3-6 months for a response and they are no longer taking them. The call center gives 45-1 hour wait times but never answers. They also will not call back. 

I am not delinquent in the eyes of the federal government, but it is the service providers. 

Please contact these agencies, as they are not honest about their ability to take on servicing loans. Loans should only be serviced by financial institutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation