vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been contacting my local chase bank and asked about a consumer product pursuant to title 15 United States Code 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. I contacted them and they meaning chase banks employees claimed to not know or understand what that is. consequently I visited chase bank ( video that I will provide later in this complaint ) in person to open this open ended product afforded to me by consumer rights. However, I was discriminated pursuant to 15 United States Code 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 

I was discriminated against by not being allowed to enforce my rights in good faith to open this account. I was asked if I wanted a loan every time I asked about this open ended credit plan, I said I was a consumer, I asked about the open ended product and they kept ignoring what that was which is not in the video but that is some context to why I came inside the office. I was given " back office '' numbers which turned out to be credit card payment customer services with nothing pertaining to what was requested. I was given an application at the very end of the conversation recorded with no explanation of what it was or if it was even what I asked for. These actions Caused injury due to chase banks misconduct of not letting me enforce my right to open this account and ignorance of the law and I kept getting the run around by telling me I needed to contact other people outside of my local bank to do who knows what because I do not know why. The employee ( s ) didn't even let me apply I was told they were not explaining the product at all to me and was asked to leave the bank in short. the video is about XXXX minutes long.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : US BANKRUPTCY COURT 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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XX/XX/XXXX, I financed a car loan through XXXX XXXX XXXX. An internal error occurred and 2 auto loans ( for the same car ) were inadvertently entered under my name when I only purchased 1 vehicle ( XXXX XXXX XXXX ). The owner, a really nice gentleman by the name of XXXX, closed out the erroneous auto loan and submitted evidence to all 3 credit bureaus to delete the duplicate tradeline. Each CB deleted the tradeline except Equifax. Each month, XXXX XXXX XXXX and myself submit to delete the duplicate auto loan trade line and Equifax refuses to properly investigate and delete, this has been an ongoing issue and falsely manipulates my credit report into reporting more debt that I actually have. It is hindering my home buying process because it appears I have 2 auto loans when I In FACT have only ONE. Each time I dispute, Equifax swears by their decision and claims the loan is factual and belongs to me. I have documents to prove that north state has deleted the account on their end so why is Equifax still reporting this account as open and not closed and deleted. This is a total discrepancy and infringement on my rights as a consumer and I want this tradeline deleted from my credit report immediately. I have attached a document from XXXX XXXX XXXX with the code DA- which means deleted account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My mortgage was transferred to Mr. Cooper effective XX/XX/XXXX. 

Under my previous lender, I was in Covid forbearance and submitted 3 trial payments before the transfer. Because the transfer occurred after the 3 trial payments were submitted and before a loan modification/solution was initiated, Mr. Cooper inherited the responsibility of providing a loan solution. 

I've called several times since XX/XX/XXXX until a call XX/XX/XXXX an associate stated Mr Cooper 's systems are finally updated and they are able to view my loan details and status.I asked about my loan solution status during the XX/XX/XXXX phone call and Mr. Cooper ensured they were working on it. 

Around 10 days later, I checked my Mr. Cooper account dashboard and it stated a solution is approved and it will generally take 3-10 business days to receive the documents. 

I'll called several more times and received the same response until a phone call on XX/XX/XXXX ( approximately a month after approval ), I asked for an inquiry on the status of the loan solution because the documentation process was taking too long. I was told I should receive an answer to the inquiry within 5 days. 

I called again on XX/XX/XXXX ; given the holidays, I thought this was ample time ( nine working days ) to receive an answer to the inquiry. I was told the inquiry wasn't submitted until XX/XX/XXXX and to wait another 5 business days for an answer. 

I called again on XX/XX/XXXX, XXXX, XXXX, and XXXX and there hasn't been any change in status or answer provided to my inquiry. 

My primary concern is that mortgage rates are steadily increasing ( over 0.75 % ) and if it's possible Mr. Cooper 's loan solution department is purposefully extending the process to significantly affect the loan solution and/or refinancing. 

This is also affecting my loan options that are dependent on loan solution documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has closed my account due my XXXX and my XXXX and Im a XXXX American guy work so hard to get approved for this and I called American Express few times to cancel the disputes that I didnt filed over the phone and rebill me so I can pay them and they were unable to do so. And they close my account and I had a Hilton honors card for a year made my payments on time and my credit reports shows no history of the account .. its totally empty and I filing this complaint because I felt discriminated and its very hard to reapply with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
it isn't about loan payments, well it is. I have a private loan from XXXX with Navient for the past 10 years. the total amount was {$3200.00} to start, i currerntly owe {$2200.00}. I have paid {$10000.00} on the loan so far. i have this in writing from them. they said they have mailed out a hard copy to show me how much interest i've paid. seriously? I have paid {$9700.00} in interest and still owe {$2200.00} on a {$3200.00} loan? i also made a one time payment of {$1000.00} at once and i still owe {$2200.00}. what does this make my interest? how can they get away with this? this is worse than a check cashing companies interest rate or buy here pay here place. i filed bankruptcy and wasn't allowed to file on this per my attorney even though it was a private loan. I WILL DIE B4 THIS LOAN IS PAID OFF, I NEED HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/2020 i brought a Money Order from Western Union Services, for a friend out of town. He never received the Money Order. With XXXX hitting my family and friend, the Money Order slipped my mind. I called XXXX. to get information about a Lost Money Order. The stated the Money Order had not been Cashed. She also said that i would be receiving {$48.00} from a {$75.00} Money Order. I said im aware of the {$15.00} Processing fee but nothing or fees are on my receipt in my hand. She stated the Money Order had Depreciated. I said that's not on my receipt. I told her i did not believe her and she was making it all up to Steal my Money. Why wouldn't a Large Company like XXXX XXXX make it clear on ALL FEES. It's All a Trick to Steal Consumer 's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: GA

Complaint narrative:
Over the past 2 months I have sent 2 letters to the credit bureaus about accounts in collections. I asked for validation and original contracts for each collection. The accounts still remain and have not been fully validated.

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 2022-01-19 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: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
1. I set up a recurring monthly payment in my personal account on the money source ( https : //www.themoneysource.com ) for my mortgage monthly payment on XXXX or earlier. 

2. I received an email from " the money source '' named " Recurring Payment Confirmation '' in which I was told " This email is to confirm that following your request, we have established automatic drafting ( " auto draft '' ) for your monthly mortgage payment. The first auto draft will occur on XX/XX/XXXX ". 
I also received a paper letter from the money source which told me the same thing after a few days. 

3. Nothing happened on XX/XX/XXXX and even XXXX XXXX, but I didn't know that, until XX/XX/XXXX I suddenly found the recurring payment didn't work. Because there was a late payment record appeared on my credit report. My credit score drops almost XXXX to XXXX and my wife 's as well 4. I made the 2 months payment on XXXX XXXX. I explained reason is not on me and asked the creditor to remove the late payment record. I was told they submitted a request but could not guarentee. 

5. I wrote to the money source through their message system on XX/XX/XXXX. And they asked me to call them. 

6. I called them today XX/XX/XXXX. They refused to remove the late payment record on my credit report. One of their manager told me they had send me a posted mail telling me that they turned off my recurring payment. But I never received such letter. And I don't know why they didn't send an email to me as well this time. 

7. I have to file the complaint here since it is not my fault to make such a late payment. And the money source -- my creditor refuses to correct my record. My credit score is kept well, I don't want it destroyed by the creditor 's mistake. 

8. I have the email and paper mail copy attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally produced a forged contract and continue to submit this fake. They are lying and violating many fdcpa laws as well as tila.

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 2022-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My CareCredit payment was due XX/XX/2021. I mailed it on the XXXX, though it was cose to pickup time, and may have been picked up on the XXXX. 

It should have been there in the XXXX it was processed on the XXXX. When I called about the late fee, they said I had already had it waived 5 times and the couldn't do anything about it. Unless the law has been changed, as long as the payment is postmarked by the due date, it is legally on time. All prior waving of fees was for the exact same reason. 

If it is good enough for the IRS, why is not good enough for the banks?

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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Over the past 2 months I have sent 2 letters to the credit bureaus about accounts in collections. I asked for validation and original contracts for each collection. The accounts still remain and have not been fully validated.

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 2022-01-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Over the past 2 months I have sent 2 letters to the credit bureaus about accounts in collections. I asked for validation and original contracts for each collection. The accounts still remain and have not been fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX, MAXXXX has been sending me collection notices in the amount of {$650.00} the collection has been reported past due even though I sent a mailed dispute and verification letter certified mail on XX/XX/XXXX asking for proof of this debt they have not responded. I do not know this company nor have I done business with this company. They do not have a contract bearing my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
I have called Credit Acceptance requesting a letter detailing my payment arrangment and they have refused. They said they do not send out letters on customer payment arrangements. There is no way to access payment arrangement information online. There is no way for a customer to physically see a payment arrangement. 

The co-borrower made changes to the payment arrangement on the loan without my knowledge. Credit Acceptance did not inform me of any changes through mail, phone call, or on their portal. This information should not be withheld from borrowers. 

Not being willing to send out payment arrangement information is also limiting to individuals with hearing disabilities that need to see/ read information.

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 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
On XX/XX/2022 I was notified by my credit card company that my credit limit for one of my credit cards was basically cut in half of what I was approved for. In looking at my credit report, there is an account in collections named I.C. SYSTEM, INC who has never attempted to contact me because this debt is not mine. 

My credit report shows that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$1700.00} of which I have never had an account with XXXX XXXX XXXX XXXX of {$1700.00}. 

My understanding is that XXXX XXXX XXXX XXXX is the the wireless carrier side of XXXX XXXX XXXX. I have always had XXXX XXXX  as my mobile carrier. 

These charges are NOT mine and I believe that I have been a victim of fraud or identity theft. 

No one from XXXX XXXX XXXX XXXX or I.C. SYSTEM, INC has ever tried to contact me to resolve the debt BECAUSE IT IS NOT MINE! 

I attempted to dispute this account via XXXX and they came back within a day ( after stating that it may take up to 30 ) that the account is mine. This is 100 % completely false!

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 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Contacted my mortgage serving company, Shellpoint/newrez regarding the 30 to 59 days past due reported to the Consumer Reporting Agencies for XX/XX/XXXX and the 60 to 89 days past due reported for XX/XX/XXXX. My Covid mortgage forbearance period ended XX/XX/XXXX. Prior to that date I contacted Shellpoint to request an extension as my business was still experiencing difficulty due to Covid ( I manage a healthcare consultancy ). My initial request was denied but upon appeal an extension was granted through XXXX, XXXX and I resumed payment on my mortgage in XXXX, XXXX and am now current. I was told while my appeal for the extension was being considered my mortgage payments would not be reported as late to the CRAs, though subsequently by Shellpoint it was even though my appeal for a forbearance extension was ultimately granted. As a result of Shellpoint 's going back on their word and reporting our mortgage payments as delinquent, my credit dropped over 60 points within 24 hours of that reporting. As a result of the credit rating decline, our ability to borrow has significantly declined, as our cost to borrow has significantly increased. We has hp [ ed to refinance our mortgage both to cut down on its cost - and to find a new, more competent and ethical mortgage servicing company, but are unable to now because of negatively-impacted credit rating. It would cost Shellpoint {$0.00} to correct this error, but in a XX/XX/XXXX response to our complaint they've refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried continuously to resolve the following errors and misinformation on my report with these agencies, but they have ignored my requests and have caused me a great deal of distress. I have missed out on employment, housing, and loan opportunities due to their neglect. 
I submitted all the necessary information for them to block the fraudulent XXXX XXXXXXXX account that is showing. I have sent in the FTC report, Affidavit, cover letter and everything else they needed and they still wont block this fraudulent account even after it clearly shows that an account was opened in my name, but my crook misspelled my name.

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