vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
ftc violations inqurires XXXX  XXXX XXXX. {$4700.00} {$2600.00} XXXX inquires all besides above XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: NC

Complaint narrative:
Results from a previous investigation was received on XX/XX/2020 from Experian stating that the account from the NC XXXX XXXX XXXX XXXX was accurate. I sent in another affidavit requesting on XX/XX/2020 for the proof of verification which resulted in another investigation where the results were the account was again reported accurate. I sent an letter to the NC XXXX XXXX XXXX to the address provided on my reports and that letter was returned, stating that the address was a " unknown '' and " undeliverable '' Address. I again sent that newly found evidence on XX/XX/2020, to the Experian demanding for the account to be removed from my credit report ; where it started another investigation. After the investigation was completed, on XXXX XX/XX/2020 Experian stated again the account was accurate. It is my understanding according to the FCRA, information provided on my credit report must be 100 percent accurate. I provided proof that the address on the report is inaccurate, yet the credit reporting agency reported the account as accurate.

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 2020-06-01 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: IL

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX wrong status XXXX XXXX XXXX  XXXX XXXX XXXX wrong status XXXX XXXX  XXXX/XXXX  XXXX wrong status XXXX XXXX XXXX wrong status INQUIRIES XXXX  XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX  XXXX  XX/XX/2018 unauthorized XXXX  XXXX XXXX  XX/XX/2018 unauthorized XXXX  XXXX  XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX  XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized PUBLIC FILINGS BANKRUPTCY CHAP XXXX-DISCHARGED XXXX inaccurate Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-06-01 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, Original Creditor, XXXX XXXX, XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: MO

Complaint narrative:
I applied for a chase business credit card on the chase mobile app. Because it was an offer on my portal. We currently have a chase checking account for our business and wanted to get the credit card to avoid being charged monthly maintenance fees. We applied for the card and got a generic processing response. 

We got a phone call from a rep stating we needed to verify the business. ( The business should already be verified since we are a customer of chase already. ) on top of that, when we applied through the app, all of my information was already on the app. All I did was really hit submit. 


The rep stated I need to show proof of address and my EIN. I faxed those documents in which was a previous credit card statement and my EIN from the IRS. 

The fraud department reviewed that information then stated they couldnt accept my EIN from the IRS. But yet this is CHASE fraud department? They cant identify my business with a letter from the Irs? Insane. 

The rep said she would put the docs back through and have the re-look because apparently someone wasnt doing their job. 

The reviewed the docs and Im still getting letters they needed my EIN. At this point, chase is being annoying and I wish I never applied because it was a terrible experience. 

I then called again, they stated lets review your application. I waited on hold for 20 minutes while the rep reviewed my app just for him to say unfortunately youve been denied. After going back and forth about submitting documents to verify my business address and EIN, for weeks. To just be deny was a WASTE of time. When I sent in everything that was needed. I was given the run around. Chase is wrong for this. 

The way the processing went for application was just all wrong. So now I will be moving my money to a new account because chase doesnt care about me or my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Unable to view recent transactions on my CitiCard account when I log in. I have tried several different browser, called City, chatted online with Citi with no resolution. The message under recent transactions is " Hmm, looks like there are no transactions for this time period. " ( image 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 2020-06-01 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, Original Creditor, XXXX XXXX, XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX 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 2020-06-01 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, Original Creditor, XXXX XXXX, XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX/XXXX  XXXX  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 2020-06-01 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: IL

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX  XXXX XXXX wrong status XXXX  XXXX XXXX wrong status XXXX/XXXX  XXXX wrong status INQUIRIES XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized XXXX  XX/XX/2018 unauthorized CAP XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

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 2020-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Bank transfer loan with required financial arrears to help with modification. 
Received modification after 3 years. 
The modification went from 30 to 40 years. 
XXXX XXXX modification required {$65000.00} non-interest forbearance. 
Our account is listed with a debt collector. 
Since XXXX, all payments are made on-time and monthly amount. 
These payments are not reflected in our credit score. 
This loan was included in our Chapter XXXX filing ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020, I tried logging into my chase account through the chase app and was denied access. Due to Covid-19, I waited until the next day so I can speak to someone in regards to my chase log in information. Today, XX/XX/XXXX, I was told by a representative that I am no longer a chase member and my checking/savings account was closed indefinitely. A decision made by Chase without my acknowledgment. I tried asking for reasons as to why this was happening? I have a clean record and money was consistently deposited on a weekly basis so my account was very much active. Their was response was, " Chase has the right to withhold information and not tell you why your account was closed. '' This is absolutely absurd! I decided to do research and thousands of Americans are faced with the same situation. Honest people with thousands of dollars being toyed with because Chase felt the need to close accounts without giving reasons as to why. I, like millions of Americans during this pandemic, am receiving my unemployment insurance benefit through Chase. This is extremely inconvenient and unjust. Our tax dollars bail out banks such as Chase constantly and we can't even get a solid explanation as to why our checking/savings accounts are being terminated. Something must be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ftc violations inqurires XXXX  XXXX XXXX. {$4700.00} {$2600.00} XXXX inquires all besides above XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX 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 2020-06-01 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: TX

Complaint narrative:
ftc violations inqurires XXXX  XXXX XXXX. {$4700.00} {$2600.00} XXXX inquires all besides above XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX 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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I got my free credit reports this past Friday. My Experian credit report shows an incorrect current employer. I am worried someone has tried to steal my identity. I have tried contacting Experian through phone, calling multiple numbers, at different times. I can not reach a live operator and there is no option on their menu to report inaccurate information. It does not appear possible to contact the company to report a mistake on their 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 explanation
Consumer complaint received 2020-06-01 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: IN

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX TRANSUNION i opened dispute on XX/XX/XXXX. The disputes are as follow as i put them above. The reason for it is because he already open up a dispute prior to the complaint : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX TRANSUNION Today is XX/XX/XXXX and we have proofs that the bureaus have violated the same FCRA rules again. i have included inmage that the creditors involve in the complaint have violated Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A

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 2020-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Panorama Mortgage Group, LLC
State: FL

Complaint narrative:
Dear Sir Or Madam : On or around XX/XX/2020 I XXXX XXXX with XXXX XXXX entered a contract for a sale of a real estate property located at XXXX XXXX XXXX XXXX FL XXXX. I contacted the lender Alterra Loans. XXXX XXXX XXXX NMLS XXXX was the loan officer/branch manager that was doing the financing on this deal. He told me this was a straight-up just FHA Loan and probably will close before the contract date. After a few weeks, he kept on saying everything is fine and he was waiting on clear to close. He decided to take some time off and apparently never assigned the loan to anyone else so this just set us back. We finally got the clear to close after extending the closing date another week. The title company described his work as a disaster nothing was balanced the buyer did not even know what amount he needed to take to closing. And The title company was the one to inform me this was a down payment assistant. I find this unprofessional, unethical, dishonest, I feel cheated and taken advantage off. Why not be forthcoming and stating the type of loan from the beginning? Even the realtor using his services told me she will never do another deal with this person or company. 

Respecfully, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I want to make monthly installments with the company XXXX, but PNC bank will not allow me to link my account with their services so that they can automatically withdrawl the amount every month and therefore i can not buy the products i need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEP ED, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX EQUIFAX MORTGAGE SER EQUIFAX MORTGAGE SERVI EQUIFAX MTG XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: FL

Complaint narrative:
This is the 3rd and final time I am disputing these unauthorized accounts on my credit. This is time-consuming and I will take legal actions if not corrected. I am a victim of identity theft/fraud. I have attached the FTC document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
My loan is relatively new loan, refinanced in XX/XX/2019. I have a VA loan with an escrow account that lender is required to pay home owners insurance and property taxes. I received property tax delinquent notice for winter taxes. Lender attributed this to timing of the loan and was not sure who should have paid, either previous lender or current lender. Either way, they did get paid. I have now received another property tax delinquent notice for next round of property taxes due. 


Lender is Lakeview Loan Servicing LLC.

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