vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received a check on XX/XX/21 deposited the check on XX/XX/21 via the Chase ATM located in XXXX, Colorado off of XXXX and XXXX. The ATM receipt stated there would be a seven day hold on the check which is concerning because Chase has now held four checks that I have deposited for absolutely no reason stating that due to my relationship with the bank yet they refuse to tell me what has caused the hold and why theyve been so long. Along with why they can not release any parts of the funds. I spoke with the branch manager XXXX on XX/XX/21 and he assured me my funds would be available today after midnight XX/XX/21 and I should check my account at XXXX EST. I went to sleep my account had {$48.00} available. This morning when I checked my account is now in the negatives {$14.00} and XXXX tells me that I have poor money management that resulted in my account being overdrawn which should not have happened as the funds should be available. Due to the rapid transmission of coronavirus I did not feel comfortable going into the bank unless I have a true issue which is why I use the ATM to limit the amount of exposure. XXXX then proceeds to tell me I should have come into the branch to cash the check when I have not had great experiences trying to cash checks in the past with Chase and have been forced to deposit them and wait seven days up to 14 depending on how Chase feels about releasing my funds. My husband was able to call in and get the hold released off of an {$11000.00} check that had nearly a two week hold. I deposited a VA check and there was a three day hold which VA checks are guaranteed funds and should be available same day! Chase has a habit of holding my checks for no specific reason and can not provide detailed information as to why the continue to keep holding my funds. Theyre now saying my funds will not be available until XX/XX/21 which is unacceptable. When I called the Chase customer service number on XX/XX/21 they stated multiple times there was no hold on the check yet the funds were not available. They then transferring me to a check verification queue which I held for over two hours twice and still no conclusion as to when my funds will become available. Chase is being very discriminatory with the holds they have egregiously placed on the checks I have cashed with their bank well over the last 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and realized that Transunion is not in compliance when reporting information to my credit report. The information they are reporting is NOT correct, accurate, and/or verifiable, and some of the information in my credit report seems to have been mixed or merged. Pursuant to the FCRA ( Fair Credit Reporting Act ), 12 CFR 1022, and the standards of their industry, all information reported by credit reporting agencies MUST be verifiable, MUST match, and MUST be accurate to ensure the integrity and consistency of the information they report. I've also requested Transunion to provide me with the agreement that bears the signature of the alleged debtor and proof of photo identification that was presented at the time of incurring these debts in order to ensure they properly verified these accounts. These errors and negligence have been causing me great inconveniences and have affected my ability to utilize my credit for personal, household, and family purposes. The referenced accounts need to be removed immediately and Id like to receive a copy of my credit report reflecting all changes made immediately. I have also attached photos of my credit report reflecting these numerous errors. 
XXXX XXXX XXXX XXXXXXXX XXXX - credit card account XXXX XXXX XXXX loan account XXXX XXXX XXXX XXXX XXXX - credit card account 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 2021-12-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and noticed some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the an error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
We were referred to guaranteedrate.com to try to buy our first house with our VA Loan by a friend after XXXX XXXX lender was negligent. XXXX XXXX lender worked on getting us a loan for 3-4 weeks and turns around and says your wife is a XXXX which is great but she works for a temp agency, we cant work with them. Which is fine. This is XXXX to the end or middle of XX/XX/2021. We go to guaranteedrate.com. XXXX XXXX sends us a letter saying you have 20 days to get a conditional approval for the house. After they failed to do their jobs at XXXX XXXX. We were penalized. We told the new lender and they said they understood. They would ask for documents, we would send them and not hear back for a day or two. This would go on for a month in a half. We then were transferred over to a partner at guaranteedrate.com without warning. They got everything to the underwriter and thats when the communication got super unprofessional. We stopped getting calls and e-mails. My real estate agent had to call their supervisor. They did nothing about the professionalism or lack there of. They were emailing me as if I was the real estate agent asking for everything instead of my agent who email and called them. We havent spoke to them since Friday it is now Wednesday and we are left in the dark and dont know what to do. This first time house experience for us as veterans was absolutely horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Didn't receive enough information to verify debt BOA info called at XXXX XXXX XXXX XXXX. transferred call to line that hung up. 
XXXX XXXX. 
was unable to accommodate said she was transferring call to supervisor. XXXX hung up at XXXX XXXX XXXX XXXX refused to accommodate then stuck me on hold at XXXX Came back at XXXX discussed until XXXX then put on hold again. 
Came back at XXXX, put me on hold without notice at XXXX Said she could only make a unilateral complaint but refused to keep me in the process. 
Came back at XXXX said she would file complaint but could not accommodate. 
stuck me on hold again without notice at XXXX without any accommodation. 
XXXX she hung up without returning. 

XXXX called back, XXXX XXXX. was rude and refused to accommodate, stopped talking at XXXX came back at XXXX and thanked me for my patience. then was rude again to me and hung upon me at XXXX XXXX XXXX, XXXX, put me on hold at XXXX, came back at XXXX, put me on hold at XXXX, came back at XXXX, ask same questions again. put me on hold at XXXX, XXXX at XXXX said she was putting me on hold again, she said for 2 minutes. 
She came back at XXXX, I asked the date of whatever transactions she was talking about for over 30 minutes she refused to say what I owed them money. at XXXX she transferred the call without notice. 
at XXXX XXXX XXXX XXXX XXXX ) picked up, she then said the bank opened an account for me and then that account was overdrawn. She then transferred to a supervisor in collections. the supervisor refused to accommodate MY XXXX AND TRANSFERRED THE CALL TO XXXX a manager who said she would not discuss accommodating my XXXX was abusive and then hung up on me at XXXX They kept me on the phone for over 4 hours running me in circles refusing to say what any debt was for refusing to say the date I became INDEBTED. They XXXX  the XXXX out of me kept making fun of my conditions and dictating to me what my abilities should be in their eyes. 
From my recordings and documentation and the numbers they provided to me I do not owe them anything. 

XXXX XXXX XXXX i requested supervisor he hung up.

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 2021-12-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX 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 2021-12-22 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: United Shore Financial Services, LLC
State: MI

Complaint narrative:
I noticed that a recent credit report of mine included a thirty ( 30 ) day late payment that was reported on XX/XX/2021 and posted to my credit report on XX/XX/2021. This remark is in conjunction with a payment that was due to United Wholesale Mortgage ( UWM ) on XX/XX/2021. The payment of {$2200.00} was made on XX/XX/XXXX, however, the payment was reversed due to a bank error that I was never notified of on XX/XX/2021, just three ( 3 ) days before my next payment due date. This left very little time for proper notification and correction, as once a payment is thirty ( 30 ) days late, it is to be reported to the credit bureaus. 

Had it not been for a lack of awareness regarding this issue, I would have a perfect payment history, one that I take very seriously. I truly believe that this does not reflect my credit worthiness nor my commitment to repaying my debts. 

I was never directly notified of any issues regarding the above mentioned payment by United Wholesale Mortgage. After becoming aware of the derogatory remark on my credit report, I spoke with someone from UWM via telephone who advised me that I was attempted to be reached via telephone, however, those phone calls were only made to the " primary '' phone number, which at the time was ( XXXX ) XXXX, which is not my phone number. I was then advised that UWM is not allowed to leave any voicemails, indicating that no information regarding the payment was ever or would have ever been provided through a voicemail. I was also advised that a letter via US mail was mailed to my home address on XX/XX/2021. To this day, I still have not received that letter. Even if I had, the likelihood that I would have received it before the next payment due date of XX/XX/XXXX is low. 

I take my finances very seriously. As soon as I became aware of this reversed payment, I immediately made a payment of {$4600.00} that included all owed amounts, including the payment for XXXX as well as XXXX, as well as the late fees and reversal fees associated. I have never missed a payment, ever. This is a terrible mistake that I sincerely hope does not have to follow me for the next seven ( 7 ) years. 

I filed disputes with all major credit bureaus as well as with UWM. I provided descriptive information to UWM that indicated the lack of notification, however UWM has failed to take responsibility and has stated that they will not change the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
Axos bank stopped providing monthly statements 4 months ago and change escrow fees monthly, providing no real monthly set amount. They send unclear and misrepresenting accounting letters. Phone calls to bank go unanswered. This is a bank that is intensionally trying to make clients default on mortgages. After only 1 year and 3 months in, Im paying a penalty just to refi to another bank so I feel Safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, any and all late marks found on any of my consumer credit reports by the company are inaccurate and need to be corrected.

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 2021-12-22 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: TX

Complaint narrative:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, any and all late marks found on any of my consumer credit reports by the company are inaccurate and need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, any and all late marks found on any of my consumer credit reports by the company are inaccurate and need to be corrected.

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 2021-12-22 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, I any and all late marks found on any of my consumer credit reports by the company should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters contacted me with a dunning notice, attempting to collect a debt that I never contracted or agreed to pay. They began reporting negative and defamatory information on my credit reports in XXXX of XXXXI sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship. Reflects the consumer 's performance and other conduct with respect to the account or other relationship. Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished. Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report. Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and noticed some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the an error on my credit 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 2021-12-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and noticed some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the an error on my credit 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