vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to complain about your decision to deny my credit card application for Chase XXXX XXXX XXXX in XX/XX/2022. I feel that your decision is unjust and violates my consumer rights. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to obtain a copy of my credit report and the reasons for any negative action taken against me based on that report. However, I did not receive any such information from you, and therefore, I am unable to fully comprehend the reasons behind your denial. 

Furthermore, the Equal Credit Opportunity Act ( ECOA ) prohibits credit discrimination on the basis of various factors such as race, color, religion, national origin, sex, marital status, age, or because a person receives public assistance. I believe that my application was evaluated unfairly and that my rights under the ECOA may have been violated. 

I request that you reconsider my application and provide me with a detailed explanation of the reasons for your initial decision. I also urge you to ensure that your credit evaluation process is fair and impartial and that your decisions comply with all relevant consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: NJ

Complaint narrative:
This information below are hurting my credit file and its due to identity theft, delete immediately, attached is the ftc report. 

Delete these inquiries XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 Address XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account XXXX XXXX XXXX Find Attached FTC Report

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 2023-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Santander consumer closed an account for a an auto loan and wrote it off on my credit report as a loss and is still submitting it to the credit bureaus which is in turn hurting my credit which I value and making it to where I am unable to get a mortgage for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NE

Complaint narrative:
They simply have no way to contact them other than mail. I go to the website and log in. I then navigate to the Contact XXXX section, but that opens a new browser window where I am no longer logged in, and in order to send them a secure message, I have to be logged in. So I tried their XXXX number, but an automated voice says " We are experiencing high call volume, try our call-back service instead '' and then nothing happens. 

In 2023, the company that bought my mortgage ( I had no say in the matter ) shouldn't be allowed to simply not offer any immediate form of customer service, especially when they advertise both options on their website only to have them non-functional. I'm fed up with being forced to use such a poor company.

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 2023-02-17 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: Conn's, Inc.
State: NC

Complaint narrative:
Conn 's XXXX XXXX refuses to remove my XXXX balance, closed account which they have verified as such. I did not receive any goods from them, order was canceled and goods verified as returned to wear house. They were never delivered. I have spoken with XXXX people since XXXX, all of which confirm this but I continue receiving bills and harassing calls, and it is on my credit report. Every call concludes with them telling me to call back in XXXX weeks to check on status. The most recent date of contact was XX/XX/23, I was transfered XXXX  times. Number contacted XXXX, person # XXXX was XXXX in late stage collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/XXXX I went online to check CD Rates for purpose of rolling over a retirement account in to a IRA CD. Discover Bank rates showed 4.4 % for all CD 's. It also on that same page showed in large print, Locking in you CD rate is easier than ever for the heading and then below, comments 1,2,3 Number 2 comment stated Make a deposit now or come back and do it later, whichever is easier. 
It is known up front by Discover that a rollover is a process that takes several days or weeks in this case. On the first day after opening this CD they dropped the interest rate. 4 days later they dropped the rate again. Still after 15 day, XX/XX/XXXX when the funding bank stated they mailed the check and today XX/XX/XXXX there has not been processing of the check and continued denial of receiving it. Regardless of the time to receive the check, which is out of my control, Discover should provide a grace period for funding and not keep reducing the rate daily or weekly. Discover Bank continues to default to a very small astrick that links to a very small print that states several comments with rates subgect to change until funded stuck in the middle of it all. With the very large print on the advertisement page contradicting this I would hope the large apparant false advertising should be first considered. Rate should be provided at the opening rate considering the funding bank processed and stated they mailed the check the next day. Since then Discover has completely changed the wording in this misleading advertisement to Omit, lock in your rate now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Date of last payment is incorrect And is not accurate between all XXXX major credit bureaus. XXXX Account name : XXXX XXXX XXXX. 
Balance : {$25.00}

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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington reported to credit that my account was closed and they removed my access to that account and today I received a letter stating my account was 54 days past due dated for XX/XX/23 today being the XXXX would make 57 days. They are supposed to close within 60 days of account being overdrawn and did so close it early and also removed all of my savings from my account to apply toward that account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Discovered today that my experian account has been hacked and the email address was changed, attempted to contact them to resolve and could not get a human and any options to report this issue or get it fixed. My XXXX is always frozen and lack of access to this account could impact my ability to access credit.

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 2023-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
NewRez bought my loan starting on XX/XX/XXXX. My first payment to them was due on XX/XX/XXXX. I summitted my payment on XX/XX/XXXX via their mobile app. The company rejected my payment for no apparent reason as the bank account had the funds available. The bank was never charged for the amount. NewRez then added a {$20.00} NSF fee to my account. I reentered my payment on XX/XX/XXXX to be drawn from the same bank account. The payment processed without issue. I contacted NewRez to remove the NSF fee because there was no reason the first payment should have been rejected. NewRez did not remove the fee. I payed the fee on XX/XX/XXXX to avoid it going to collections. I looked up online and found a few other complaints of NewRez rejecting payments made on the App for no reason. I think my first payment was rejected due to an issue on their app and I am not responsible for it. It is possible I entered in the wrong bank info. If I by mistake entered the wrong info I should have been made aware that the bank account was not valid and not charged a NSF fee as well. The bank account this payment was from shows a record of a XXXX transfer from my other bank on XX/XX/XXXX of around {$1400.00}. It shows other bills be drawn this account in in the days that followed. I can prove the account had the required payment in it on the date the first payment should have been applied if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Fraudulent transactions on my checking account ( joint with my father ) were allowed to go through on XX/XX/22 and XX/XX/22 in three electronic transactions, adding up to a sum of {$1600.00}, which I reported on XX/XX/22. My father 's accounts had other fraudulent attempts at the same time but Truist blocked those. Despite the transactions on my account not looking similar to any transactions I have ever made, from a device that was not my usual device, I was never notified of potential fraud and Truist allowed my money to be stolen. My debit card was in my possession. Over the last 3 months, I have called Truist at least 14 times, visited my local branch at least twice, spent more than 5 hours on the phone with them, been told that a supervisor would return my call every single time but have not received a single call back, nor voicemail, to indicate that anyone has ever returned my call. I have left multiple unanswered voicemails with my local branch as well. There are at least 4 complaints relating to my claim. I thought maybe there was some odd problem where their phone system could not call my number specifically but I had the last representative hang up and call right back to see if the call would come through and it did. So all of these notations from Truist representatives stating that they tried to reach me by phone and received no response are an absolute lie. I wear a smart watch, never miss a call, and in live in a city where I even get cell service when I'm on the boat. I actually started to wonder if perhaps I am being scammed and was calling a scammer 's number to discuss the fraud transactions ( The " Fraud Office '' XXXX ) and that was why I was not getting anywhere, so I called the main Truist line directly from my secure Truist app and the representative confirmed that she did indeed see all of the notes on my fraud claim as recently as today. I am at my wit 's end. I have done everything correctly and responsibly and Truist states that it has " investigated '' and decided that the transactions were authorized. They weren't. I just want my hard earned money back. Please, please, anything that you can do to help me would be very much appreciated. Thank you!

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I froze my credit reporting with all three large agencies. XXXX of them I was able to unfreeze easily. Experian provided a pin to unfreeze my account, however when trying to unfreeze my account, my SSN #, nor my birthday are recognized by the system. I am also not able to recover my user name through Experian system. I wrote to them to request a pin, however I am not able to enter the system to use the pin. When calling customer service now, I am unable to discuss or get help from anything besides the AI, and this is completely unhelpful and recommends I do the steps I have already completed. 

Bottom line, I am unable to freeze my credit score, because Experian website does not recognize me, and I can't communicate with a person to fix this.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are several bankruptcy on my credit however This is impossible I filed a XXXX XXXX and something got miss they made me correct and refile and after all of that it was the wrong jurisdiction so they dismissed it and made me file in a total different State City and County I got a full discharge XX/XX/2018 I did give the courts or any bureau to publish my bankruptcy as many times as they did due to lack of knowledge from court. It is clear you can only have one or the other and you get one every XXXX  years. The one in Ohio is accurate the rest are not. please correct my file immediately. lthough I continued to get wrong information I did not even qaulify for a XXXX  XXXX I did not meet the guidelines which was not very clear due to they had just change the law a few year prior to. 
This is what FRA says In accordance with the Fair Credit Reporting act has violated my rights. 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 All is not reporting all my information correctly I know my cards report to all the credit agencies and you have missing information please update my file with the current address as well as the missing reports from my creditors and all those inquires need to be removed I did not allow my credit to be ran XXXX times or so and there is missing information on a couple of accts I do not know whom they are but need to be deleted I have been disputing these and you continue to leave them on my credit profile with no contact info or whom the original creditor was and I was not notified I don't who this is I have a common name and this is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are several bankruptcy on my credit however This is impossible I filed a XXXX  XXXX and something got miss they made me correct and refile and after all of that it was the wrong jurisdiction so they dismissed it and made me file in a total different State City and County I got a full discharge XX/XX/2018 I did give the courts or any bureau to publish my bankruptcy as many times as they did due to lack of knowledge from court. It is clear you can only have one or the other and you get one every XXXX years. The one in Ohio is accurate the rest are not. please correct my file immediately. lthough I continued to get wrong information I did not even qaulify for a XXXX  XXXX I did not meet the guidelines which was not very clear due to they had just change the law a few year prior to. 
This is what FRA says In accordance with the Fair Credit Reporting act has violated my rights. 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 All is not reporting all my information correctly I know my cards report to all the credit agencies and you have missing information please update my file with the current address as well as the missing reports from my creditors and all those inquires need to be removed I did not allow my credit to be ran XXXX times or so and there is missing information on a couple of accts I do not know whom they are but need to be deleted I have been disputing these and you continue to leave them on my credit profile with no contact info or whom the original creditor was and I was not notified I don't who this is I have a common name and this is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
My XXXX XXXX XXXX XXXX  husband. Refinance the home. Only in his name, but is showing on my credit

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 2023-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I reached out XXXX 2022 about a charge for {$4600.00} and shotty issues with workmanship via this Home Depot Citibank Charge. On XXXX, I was sent an email stating that there was a letter on my HD account. The letter which is attached, states we found in your favor and we are issuing a credit of {$4600.00} within 2 billing cycles. At three billing cycles no credit has posted and on XXXX they are trying to now stating they emailed to my HD account further info declining said credit. They are saying they now have to reopen dispute because the store supplied a " work order '' and they do not even know if the disputes department will reopen

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 2023-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NC

Complaint narrative:
On XXXX the XXXX, I received the attached letter demanding money. The demand letter was from Revco Solutions , Inc. The demand letter was requesting {$680.00} which is incorrect, and I dispute it in its entirety. 

The demand letter states that it is for an account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After spending the better part of an hour and a half on the phone with the above company, they were unable to find any account with my Name, DOB OR SS #. 

This letter demanding money does not belong to me, it is bogus and is fraudulent because, someone else went to this facility and received service/care in my name. 

In the interest of consumer focus, I am requesting that Revco Solutions , Inc suspend their collection efforts and close their file. Furthermore, per their contractual requirements, I am demanding that they close this account and return it to their client for further review. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
We moved out of our apartment complex nearly 2 years ago, I received a notification on my credit report that there was a charge that was taken to collections. I was not given a bill or any additional information. We still have yet to receive a bill. They apparently sent it to the wrong address and never attempted to call or email us, even though they have all of that information. We would like to dispute this off of our credit report, as soon as we found out about it from our credit report, we paid it right away. 
Debt amount : {$240.00} Account # : XXXX Creditor info : FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX, MD 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 2023-02-17 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: WA

Complaint narrative:
In accordance with the fair credit reporting act these creditors and companies Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states that consumers reporting agencies can not furnish an account without my written instructions. Under 15 U.S. Code 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 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