vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Don't have any credit cards never got a student loan nor do I have a account have been a victim of identity theft and fraud

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 2021-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I entered into a COVID-19 JOB LOSS forbearance program with US Bank XXXX that began in XX/XX/2021. I did not make a mortgage payment in the months of XXXX, XXXX, XXXX, XXXX, XXXX or XXXX. Over the six ( 6 ) month period I spoke several times with US Bank, via telephone regarding the terms of the forbearance program. I was advised to call US Bank in the fifth ( 5th ) month so US Bank could determine my options. 
In late XX/XX/2021 I had a phone conversation with US Bank. I was offered a mortgage loan modification, as follows : Modification terms Unpaid principal balance : {$110000.00} Payment : {$860.00} Interest rate : 3.125 % Term : 360 Maturity date : XX/XX/2051 First monthly mortgage payment due : XX/XX/2021 XXXX payment was made : {$860.00}, with {$130.00} additional principal = {$1000.00} Note : There is no lien on the property at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX payment was made : {$860.00} XXXX US Bank refused to accept payment. No explanation given, other than, I would have to reapply.

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 2021-12-31 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My credit repair company XXXX completed a credit repair on 4 accounts that were already closed accounts and showing as closed on XXXX credit report. 
The accounts were from the following creditors ; 1- Chase 2- XXXX XXXX 3- XXXX XXXX 4- XXXX XXXX XXXXXXXX After the dispute was completed these accounts which were charged off and closed prior to the dispute are now all showing open. 
This change from closed to open devastated my credit scores and resulted in me not being able to purchase a home due to XXXX reporting. 

I attempted to contact XXXX to inform them that their report is now showing charged off accounts as now open and this needed to be fixed. 

XXXX was very difficult to get in touch with and I was hung up on by many representatives in getting this issue resolved ( believe due to poorly trained associates ). 

I explained to the supervisors on XXXX and XX/XX/2021 that I couldnt understand how is it possible for all 4 creditors to all of sudden update all of these previously closed and charged off accounts to open status.? 
However, all of the representatives at XXXX insisted I had to open another dispute with all 4 creditors to update the account statuses back to closed. 

I also spoke with a manager at XXXX on XX/XX/2021 and asked if they could assist me in calling the creditors to validate the accounts as being closed but they refused to assist in this way and they informed me that Ill have to wait until the dispute resolve which could take up to 30 days. 

I also contacted all 4 creditors and they informed me that they were reporting the accounts as charged off and/or closed and that I needed to speak with XXXX. 

As a consumer, it is very frustrating and detrimental to my financial future when creditors and credit bureaus dont reflect accurate information and the consumer is caught in the middle with delays after delays and more delays. 

I am also considering legal action against XXXX for this issue. 

I also advised XXXX that XXXX XXXX data was accurately showing these 4 accounts on XX/XX/2021 as closed, so why is XXXX correct but not XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: OH

Complaint narrative:
I had an agreement with upgrade loans for {$5500.00}. On XX/XX/23 {$2500.00} was paid to my account as direct deposit, {$520.00} paid to my credit card company on my behalf and {$2200.00} was supposed to be paid as a check to XXXX XXXX XXXX on my behalf. payments to my bank account and credit was all received but no check of {$2200.00} was sent on my behalf to XXXX XXXX XXXX. I called upgrade customer service for weeks after weeks and they keep saying check will be cancelled and funds issued directly to me but nothing has happened. I already started making the agreed monthly payments to upgrade and this situation really put me in a difficult situation financially .its been 3 months now and counting!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I make bi-monthly payments along additional payments towards principle. Wells Fargo bank has not applied the additional payments in a timely manner and placed additional payments in escrow. Fed up I paid off my loan on XX/XX/2021. After months of calling for my home title I'm still waiting. 
Wells Fargo does not act in good faith, and I really have concerns with payments and how and when they were applied. 
I'm still waiting on getting my home paperwork.

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 2021-12-31 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: LA

Complaint narrative:
During the Covid Pandemic, XX/XX/XXXX, I put my home mortgage account in forbearance. I didn't pay 2 months, XX/XX/XXXX and XX/XX/XXXX but resumed making payments in XX/XX/XXXX. During this time, I was instructed by the company that missed payments would not be reported to the credit bureaus. In XX/XX/XXXX, I get an alert that my mortgage account has been reported 60 days past due to all the credit reporting bureaus, although my XX/XX/XXXX mortgage statement indicated that my account was still in Covid forbearance status. When I called the mortgage company on XX/XX/XXXX that's when I was informed that my forbearance ended XX/XX/XXXX and that I should not have gone by what my actual mortgage statement was reporting, which was that my account was still in forbearance at that time. On XX/XX/XXXX I paid all past due amounts, which was also reported incorrectly on all 3 bureaus, bringing account current. Each bureau is reporting something different, so there are so many inaccuracies throughout the report. I filed disputes with all 3 bureaus and the resolve was the information was verified and reported accurately. I pulled my credit report XX/XX/XXXX, again to see that there is yet still another 60-day reporting for XX/XX/XXXX. I've written " Goodwill Letters '', spoken with several representatives and no one was willing to help me. I informed the company that a 60 day was now showing up for XX/XX/XXXX and was informed that they did not report it that I had to take it up with the reporting bureaus, which I did, and the information came back that my mortgage verified the information as accurate. I've been a customer since XX/XX/XXXX and before the pandemic I've NEVER once been late. I protect my credit like I protect my peace and there's no way I would have allowed a 60 day to hit my report, causing me XXXX points. These inaccuracies across the 3 bureaus have caused me physical, emotional and financial damages

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 2021-12-31 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: LA

Complaint narrative:
During the Covid Pandemic, XX/XX/XXXX, I put my home mortgage account in forbearance. I didn't pay 2 months, XX/XX/XXXX and XX/XX/XXXX but resumed making payments in XX/XX/XXXX. During this time, I was instructed by the company that missed payments would not be reported to the credit bureaus. In XX/XX/XXXX, I get an alert that my mortgage account has been reported 60 days past due to all the credit reporting bureaus, although my XX/XX/XXXX mortgage statement indicated that my account was still in Covid forbearance status. When I called the mortgage company on XX/XX/XXXX that's when I was informed that my forbearance ended XX/XX/XXXX and that I should not have gone by what my actual mortgage statement was reporting, which was that my account was still in forbearance at that time. On XX/XX/XXXX I paid all past due amounts, which was also reported incorrectly on all 3 bureaus, bringing account current. Each bureau is reporting something different, so there are so many inaccuracies throughout the report. I filed disputes with all 3 bureaus and the resolve was the information was verified and reported accurately. I pulled my credit report XX/XX/XXXX, again to see that there is yet still another 60-day reporting for XX/XX/XXXX. I've written " Goodwill Letters '', spoken with several representatives and no one was willing to help me. I informed the company that a 60 day was now showing up for XX/XX/XXXX and was informed that they did not report it that I had to take it up with the reporting bureaus, which I did, and the information came back that my mortgage verified the information as accurate. I've been a customer since XX/XX/XXXX and before the pandemic I've NEVER once been late. I protect my credit like I protect my peace and there's no way I would have allowed a 60 day to hit my report, causing me XXXX points. These inaccuracies across the 3 bureaus have caused me physical, emotional and financial damages

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021, I've realized some unusual activities on my business account. Someone who named XXXX XXXX XXXX has been included to my account and started to use the account actively. I also realized 2 credit card accounts has been linked to to my business account. I immediately took action by calling the fraud department and visiting BOA financal center at XXXX XXXX, XXXX XXXX. 

Bank of America accepted all fraud reports but the following saying " I've benefited from that account ' which is not true. 

- Account number : XXXX XXXX XXXX XXXX - Case number : XXXX BOA claims there is a withdraw of {$1.00} but I've never opened that account or benefited from it. The name of this account was XXXX XXXX. I never had any relation with XXXX XXXX. 

There is a police report supporting that that I'm a victim of an identity theft and they're following a man who might be suspect living at XXXX XXXX XXXXXXXX XXXX XXXX, FL. 

- XXXX Police Department Case # XXXX ( Police Officer : 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 monetary relief
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called Chase Bank on or about XXXX XXXX, 2021 to dispute a series of billing errors that I had with the XXXX XXXX & XXXX ( XXXX, TN ). I had a block of 5 reservations for my family as we were traveling for a funeral. Upon checkout, the hotel billed me {$170.00} x 5 as a no-show fee ( {$870.00} total ). I attempted to resolve these erroneous charges directly with the hotel and was unsuccessful after several attempts. I then called Chase to file the dispute. At that time, Chase advised me they did not need any additional documentation from me although I told them I had paid receipts from all 5 of the rooms. According to Chase they could see the full hotel charges for 3 of the rooms on my credit card ( in addition to the separate cancellation fees ) so this was sufficient documentation to move forward with the dispute. A few weeks later, I began to get letters in the mail from Chase indicating the cancellation fees ( 5 total ) were valid charges. When I re-explained that myself and guests stayed in all five rooms and that I had all of the paid receipts, they asked me to go to my local Chase branch to fax the receipts. According to Chase, they would re-dispute the charges. A few weeks later, I received mailings indicating the charges were still valid. When I called Chase to inquire, I was then told my dispute was beyond the 60-day timeframe. 

Chase did not properly submit my initial dispute with XXXX correctly when I first called in because they did not obtain the paid receipts that I had although I told them I had these receipts in my presence. As a result, the valuable time elapsed and I lost my dispute right. My initial dispute would have been a much stronger case if Chase would have obtained the receipts or provided the merchant with my credit card statements which showed the paid in full amounts. 

Chase 's internal dispute resolution process disenfranchised me from the opportunity to have the strongest case against the merchant. I was clearly was taken advantage of by Chase based on their internal process. I believe this was deceptive and abusive by Chase in that I did not have an opportunity to dictate that my initial dispute should have been submitted with all five of the paid receipts that I had when I initially called to file the billing dispute. This has cost me a total of {$870.00} ( {$170.00} x 5 rooms ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've sent dispute letters from XX/XX/2021 up until XX/XX/2021 stating that the account is inaccurate and needs to be deleted for XXXX XXXXXXXX XXXX 
None of the information has been verified and I have not been sent proof of what they did to verify the account. 

This account is reflecting as a charge off and should not be showing active payment history.

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 2021-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one bank in XXXX on XXXX will not give me back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-12-31 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: GA

Complaint narrative:
I've sent dispute letters from XX/XX/2021 up until XX/XX/2021 stating that the account is inaccurate and needs to be deleted for XXXX XXXXXXXX XXXX. 
None of the information has been verified and I have not been sent proof of what they did to verify the account. 

This account is reflecting as a charge off and should not be showing active payment history.

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 2021-12-31 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: TX

Complaint narrative:
I have written to both XXXX, XXXX XXXX, and XXXX multiple times in regards to wrong information being reported by this company to all three bureaus. After requesting multiple investigations, I am still being ignored and this is delaying my process in purchasing a home due to their negligence. As you can see, if the credit bureaus have been investigating this since my first letter on XX/XX/2021 then why is there still errors on open dates, account status, date of open accounts, last payment dates and more. Per my rights, I have the right to have everything accurate on my report and this is not it. I have kept record of dates mailed to bureaus to correct and yet it is not. 

Dates Letters mailed : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021

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 2021-12-31 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: TX

Complaint narrative:
I have written to both XXXX, XXXX XXXX, and XXXX multiple times in regards to wrong information being reported by this company to all three bureaus. After requesting multiple investigations, I am still being ignored and this is delaying my process in purchasing a home due to their negligence. As you can see, if the credit bureaus have been investigating this since my first letter on XX/XX/2021 then why is there still errors on open dates, account status, date of open accounts, last payment dates and more. Per my rights, I have the right to have everything accurate on my report and this is not it. I have kept record of dates mailed to bureaus to correct and yet it is not. 

Dates Letters mailed : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021

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