vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC
State: TX

Complaint narrative:
I contacted XXXX XXXX about a Bank Statement mortgage. I told him I wasnt interested in No ratio or similar loans because the interest rates were too high. Im XXXX XXXX  with good credit. I provided over a years worth of bank statements and pointed out the pandemic XXXX ( unemployment ) payments made to me and the SBA loan. 

He evaluated the bank statements and told me I needed a CPA letter. I questioned this as its {$90.00}. He said its important and provided a template. I had a CPA fill out the annual funds received and the expense ratio ... which is 1 % because I audit from home. This is backed up by bank statements. 

He also ran a credit report and charged me {$27.00} for it. 

He then pulls his bait and switch. The Bank Statement product isnt available to me because of the XXXX payments and too low of an expense ratio. 

He cost me {$110.00} in hopes of me agreeing to a much more expensive product Id already told him I wasnt interested in. This is a deplorable tactic.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NE

Complaint narrative:
I bank with Current online banking. My account has been locked for about a month now dating back to XX/XX/2020. I was told Id be contacted within 3-5 days by their account service team which I have not. Ive talked to over 8 people and theyve all said the same thing. They wont unlock my account, contact me, or let me pull the money that was put in there from direct deposit out at all. Ive emailed them 5 times already and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chases is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with JPMorgan Chase nor was I aware that an account was ever opened in my name. JPMorgan Chase is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXX, CA XXXX Original Account Holder : Honor Finance , LLC XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX Dealership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX, XXXX : XXXX To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under the VIN # XXXX are being disputed. Last time I spoke to your customer service team I was met with unprofessionalism and verbal threats of legal action for the debt. Legally, your representatives are NOT allowed to use these tactics when dealing with collections. The vehicle was purchased XX/XX/XXXX and financed by Honor Finance LLC, repossessed in the state of Georgia, and sold by Westlake Portfolio Management. Under the laws of GA and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are REQUIRED to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system in or on the CFPB website. 

XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2021-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CitiaBank is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with CitiBank nor was I aware that an account was ever opened in my name. CitiBank is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with Citibank. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.

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 2021-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: FC HoldCo LLC
State: CO

Complaint narrative:
I need someone to review this. 
My issue is related to the options I chose in this complaint but ALSO an issue with their collection processes. I was working with an agent at Flagship Credit Acceptance before, he submitted a request for modification and have my payments deferred for 3 months. I ended up having to change my number due to legal purposes. 

This agent took MY PERSONAL and PRIVATE information from Flagship Credit Acceptance and FOUND my on XXXX. My PERSONAL XXXX and attempted to ask me to contact him ; he also probed to find my new number so he can contact me in attempt to collect the past due balance. 

Behavior like this is absolutely unacceptable for a member of personnel to contact by via social media, let alone my personal XXXX on HIS personal XXXX to attempt to collect a debt because my number was changed and I hadn't updated my information with any of my creditors yet. This is a breach of confidentiality and not an acceptable business practice.

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 2021-01-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently pulled my Experian credit report ( which I do everyday ). And I noticed a change from XX/XX/XXXX to XX/XX/XXXX. The report prior to XX/XX/XXXX seemed to be normal. The report on XX/XX/XXXX had XXXX point ( mortgage ) score droppage overnight ; however, nothing has changed on either report. I have fine tooth combed both reports and see no change other than the score droppage. For the FICO 2 score, it states that I have " consumer finance '' accounts on report XX/XX/XXXX ; however the report on XX/XX/XXXX and the ones prior, that was not listed under the FICO 2 reason for the score. I don't understand why this has happened ; but I think this is incorrect somewhere and I would like higher level personnel to take a look at this. I have attached both reports for your review.

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 2021-01-17 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
XX/XX/2021 Amount : {$27.00} It says in the email that my PayPal account has been limited. And that I need to either login or submit a payment cancellation form. When I went to the website it said that this information is serious. Also, it said that Im being charged on my PayPal account {$27.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the XXXX data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.

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 2021-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Capital Recovery LLC
State: LA

Complaint narrative:
Never received the original contract with my signature to verify its my debit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: CA

Complaint narrative:
I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft.

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 2021-01-17 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This first progress credit card account on my Experian report was closed at my request on XX/XX/2015 with a XXXX balance. 3 months later the card company posts this account as closed at consumer request but shows a balance due. In 5years not once has this company sent me a statement showing the origin of this new charge. Ive requested through Experian in writing to inform the company to send me a summary of the charge since the contact information on Experians site is where I send my request in writing and I get no response. No phone contact is listed

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 2021-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Complaint sent to ombudsman for Navient. 

Re : Navient Student Loan Servicer. 

Please let this serve as a formal complaint of Navient due to the following circumstances. I initially applied for and received a student loan in XXXX to attend school from XXXX to XXXX. I graduated in XX/XX/XXXX. Payments were initiated sometime in XXXX. Of major concern, the loan amount being reported by Navient could not possibly be correct. This is based on known payments made and records that I have. Payments were made up until I filed Chapter XXXX Bankruptcy due to financial hardship in XX/XX/XXXX. I have since then completed my payment plan in XX/XX/XXXX. 

From communication with Navient in XX/XX/XXXX, I was given a balance of approximately {$74000.00}. It was acknowledged that they had received approximately {$17000.00} from Chapter XXXX trustee. However, I was told it had gone to interest payments. I inquired about payments made to loan prior to filing bankruptcy. I was told that, the loan had been consolidated in XXXX and the balance was {$65000.00} and that Interest of {$8500.00} was added bringing the balance to approximately {$74000.00}. I inquired about payments made prior to consolidating loan. I was informed no records were available because it was someone else handling the loan at that time. 

From communication with XXXX at Navient on XX/XX/XXXX, it was acknowledged that {$20.00}, XXXX had been receive from the Chapter XXXX trustee. However, balance was still listed as approx. {$74000.00}. The additional {$3000.00} had not been credited to decrease balance. 

After addressing my concerns, I received a response from XXXX XXXX at Navient. Transaction record was sent and a formula attempting to explain the extraordinarily high interest rate. However, none of these numbers listed a balance of {$74000.00} or gave any justification of this balance. 


Before deciding on additional actions, I must demand the following from Navient : 1. Record of all payments received. 
2. Full disclosure of total amount of interest charged. 

Other information may be requested based on information received. 

PS : I have a statement from XX/XX/XXXX, showing a balance of approximately {$43000.00}. Several payments have been made over the last 10 years. From information received from Navient, there was a balance of approximately {$25000.00}, in XXXX prior to loan consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal continues to overcharge their currency rate. It it always inflated in their favor so that they collect the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Problem : Three ( 3 ) accounts in good standing for 20 years in which I am an authorized user have been removed negatively impacting my score. 

Reporting Agency : Equifax Creditors : XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, communication was initiated because the XXXX XXXX credit card was reporting incorrectly. As a result, the debtor was removed from the report when I asked for a correction. 

XXXX card was reporting incorrectly. As a result, I called XX/XX/XXXX to have issue resolved. It too has been removed. 

XXXX XXXX is also reporting incorrectly. I'm hesitant to ask for a correction due to the history of removals in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My mother ( XXXX XXXX ) passed away on XX/XX/XXXX in XXXX XXXX. She was temporarily in XXXX and had a permanent address at XXXX XXXX XXXX  XXXX XXXX WA XXXX which is also where I live. 

I have been trying to get her Chase account ( see attached bank statement ) released to me per State of Washington law using the Small Estate Disposition process. I also happen to be the Power of Attorney on this account also. 

I have provided Chase a notarized affidavit for the Small Estate in accordance with State of Washington law XXXX. I have provided them a Report of Death signed by Vice Counsel for the US Embassy in XXXX XXXX. I have attached both of these in my complaint. 

Residency as defined by State of Washington has to meet one of the following : Maintains a residence in Washington for personal use ; Lives in a motor home or vessel which is not permanently attached to any property if the person previously lived in this state and does not have a permanent residence in any other state ; Is registered to vote in this state ; Receives benefits under one of Washington 's public assistance programs ; Has a state professional or business license in this state ; Is attending school in this state and paying tuition as a Washington resident or is a custodial parent with a child attending a public school in this state ; Uses a Washington address for federal or state taxes ; Has a Washington State driver 's license ; or Claims Washington as a residence for obtaining a hunting or fishing license, eligibility to hold public office or for judicial actions. 

My mother met several of the Washington State residency requirements above at the time of her passing. 

I am requesting her bank account is released to me immediately. It is shocking that a large bank such as Chase would not release her funds to her son. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-01-17 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I had deferred my loan several times between XXXX/Nelnet. The loan was sold back and forth between both sister companies. I became XXXX XXXX through the veteran affairs and applied to have my loan XXXX under that program. 

The collections was removed from the three credit bureaus but has been added back to as delinquent and past 120 days, which is hurting my credit score as a XXXX XXXX veteran. 

This has caused a great hardship and has made it impossible to obtain a home loan using my VA benefits. 

As a service connected XXXX  veteran I have been unable to obtain gainful meaningful employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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