vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
problem is with Chase Bank - I applied for XXXX XXXX loan on XX/XX/2020 - received a loan application reference number at that time - had not heard back from them in over a week - called several times to try to determine status - bank employees admit that they don't have the staff or the system in place to process or even track the loan applications in a timely fashion - the funds are running out and due to the chase bank 's incompetence they will not get our applications into the XXXX before the funds run out can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NC

Complaint narrative:
Collection Agency Hunter Warfield is attempting to collect an alleged debt from me in the amount of {$1500.00}. This has been going on since XXXX of XXXX. I have received several letters and numerous phone calls from them. 
I responded to them in writing several times by certified mail explaining that this is an unverified debt. They never investigated my concerns, only attached a copy of the lease from the original claimant XXXX XXXX. 
They say this verifies the debt and case closed. 
This case originated when we signed a 3 month lease for an apartment with XXXX XXXX. They were paid in full. 
I am attaching documentation explaining in detail all the events that occurred which led up to the fraudulent charge by XXXX XXXX. I am also attaching a copy of the UNIFORM ELECTRONIC TRANSACTIONS ACT ( XXXX ). XXXX XXXX violated this law when we signed the lease electronically. They inhibited us from printing or saving a copy of the lease for review. This illegal policy by XXXX XXXX led to a misunderstanding between the two parties. XXXX XXXX renewed the lease automatically without our knowledge or approval resulting in a fraudulent charge of an additional months rent. XXXX XXXX refused to resolve the issue in a fair and business like manner. They only threatened us with a collection agency and here we are

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 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express is committing so many violations against my rights as a consumer. 
They are reporting incomplete information, and they have failed to investigate the account I am disputing, which is the following : American Express account # XXXX, limit {$22000.00}, opened XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
BANK OF AMERICA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I stayed in XXXX  XXXX  XXXX My lease was up and I moved out XX/XX/XXXX I have proof when I transfer my Lights to my new residence XXXX XXXX XXXX And I have My new lease when I moved in XX/XX/XXXX XXXX  XXXX  is saying I stayed in there XXXX And theyre charging me a whole month worth of rent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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:
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX  violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit file for others to see. 

They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my credit report. This is a violation on my consumer protection rights.

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 2020-04-16 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:
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX  violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit file for others to see. 

XXXX XXXX reported to Transunion that I applied for credit in which I never applied for.They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my credit report. This is a violation on my consumer protection rights.

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 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
On XX/XX/2020 Ive Used XXXX XXXX To Fill My XXXXTax Return. To Recieve My Tax Refund Ive Given My Current Bank Account InFormation For Direct Deposit But Was Issued A Prepaid Card Called American Express Serve That Had My Economic Impact Funds {$1200.00}. They Have Sent Me A Prepaid Card And It Arrived Here On XX/XX/2020. The Issue Was That The Island I Live Called XXXX Does Not Deliver Mail To Physical Address We Have Mail Go Through Our XXXX XXXX , So There Is No Way I Can Recieve This Prepaid Card. Ive Open My Online Account And Have Access To My Funds. They Have A Temporary Card That I Can Use For Purchases And Send Money But It Was An Issue As Well. It Wouldnt Let Me Activate My Temporary Card To Use. Ive Been Trying To Call Lots Of Times But No One Seems To Answer The Phone Or Not In Service. I Have Tried To Contact So Many Companies And It Seems Helpless. This Was The Reason That I Didnt Want To Happen. Now Im Having Financial Issue Because Of This COVID 19!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have 8 private loans obtained by Sallie Mae back in XXXX. I was an XXXX XXXX at XXXX XXXX XXXX  and needed additional funds to pay for my XXXX degree. I remember the interest rate being a fixed interest rate at 4.5 %. The total borrowed amount was around {$39000.00}. I went to graduate school after XXXX and my loans were placed into deferment. Upon completing graduate school in XXXX, my payments fluctuated often. Upon looking into the loans, I realized that Navient ( who was and is now servicing my loans ) was charging 10 % interest. I established a payment with them to keep my credit in good standing. I also asked for my initial loan documents to see why my interest rate has changed. After years of battling back and forth, I have only received my initial application with the terms for the loan, but the terms and conditions are not specific enough to understand if they are allowed to change my interest rate and other issues in terms of repayment. I was even told by multiple representatives that I would have to go into delinquency to get a payment plan established even when I was proactive in trying to receive payment plan. To date, the loans are over {$83000.00} in total and the interest rate is constantly fluctuation ( as high as 10 % and currently at 9.5 % ). My current payment plan will end in XX/XX/XXXX. I have applied for a new payment plan ; however, with the changing terms and conditions, it is not likely that I will be able to afford the payments. Given the issue of changing terms and conditions, I am submitting a complaint to CFPB. To date, I have paid back somewhere around {$20000.00} ; however, the overall amount keeps increasing given the interest rate changes so an end to paying these loans are not in site. I would like assistance in this matter. My current payment is {$470.00}, {$460.00} of which goes to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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:
I've had this provblem for a long time. I've submitted the proper documents stating that I was a victim of Identity Theft. The issue remains and it is effecting my personal life and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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:
I've had this provblem for a long time. I've submitted the proper documents stating that I was a victim of Identity Theft. The issue remains and it is effecting my personal life and credit score.

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 2020-04-16 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: GA

Complaint narrative:
I have submitted proof that I was the victim of identity theft. The problem still remains ; there are accounts impacting my score in a negative way. Please help solve this issue.

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 2020-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
My household is financially affect with COVID-19 Pandemic. So I made a call to Caliber Home Loans XX/XX/XXXX. Held for an extended period of time to speak with a SPOC. Finally got an agent & she was suppose to set me up on the Covid forbearance & stated I would receive paperwork in the mail in appx 1wk. After a week XXXX I rec 'd nothing, so I made another call out. After waiting appx 2hr I spoke with XXXX # XXXX. She advise she saw the request but paperwork had not generated. Frustrated at the long wait times I sent an email thru the wed XX/XX/XXXX. Then on XX/XX/XXXX XXXX # XXXX w/Bankruptcy dept call in reference to the web inquiry. I inquired if the plan was set-up & paperwork generated, He reviewed my account & saw the previous call notes and advised neither rep had set my account up on Covid FB after 3wks. He states he put in a require this time but I have no faith in this since 2 previous agent did not follow thru. This is my home & should be taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: MD

Complaint narrative:
My card was charged for an item I didnt order. I have tried to work with the merchant they told me they had no record of charge for me .i received a letter stating my card was credited and it never was I  disputed this with Home Depot credit card they sent a document stating my card was used it clearly shows not my name. I never had anything delivered to my home my card has not left my possession. I was informed my card was not chipped or swiped. I contacted the merchant and they told me they still had no history of an order for me. I have tried relentlessly and in good faith to resolve this issue. This has caused a lot of stress to my health.

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 2020-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
In late XXXX or early XX/XX/XXXX I went online to the Carrington Mortgage website and attempted to retrieve my 1098- Tax Statement for XXXX. It was no longer available as all of my documents other than one showing for XXXX were missing. So I called the customer service number and requested my 1098 Tax statement for XXXX so that I could file my XXXX tax return by the XX/XX/XXXX deadline. I advised them of my new address so that the confidential document would not be mailed to my former address. I was advised that it could take 5-7 business days. Due to COVID-19 I allowed several weeks for possible delays in mailing. 
In late XXXX or XXXX XXXX, I called again requesting the XXXX statement and confirmed with the agent my new address. The agent indicated that it was mailed out and that since I had yet to receive it she would again mail out the XXXX statement and that the time to receive it would be 5-7 business days. 
I have repeatedly attempted to call again and due to COVID, I am no longer able to speak with anyone via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020, Synchrony Bank closed two of my Credit accounts based on a risk of non payment. I had never missed a payment nor was I given any warnings. 

On XX/XX/2020 I contacted Synchrony Bank who stated they closed my accounts due to having too many accounts with Synchrony Bank Synchrony Bank is adversely affecting my credit scores with the closing of my accounts. 

I can only surmise Synchrony Bank is discriminating against me due to either my race or the belief that I have been somehow affected by this Covid19 epidemic

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 2020-04-16 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: GA

Complaint narrative:
I have submitted proof that I was the victim of identity theft. The problem still remains ; there are accounts impacting my score in a negative way. Please help solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: GA

Complaint narrative:
I have submitted proof that I was the victim of identity theft. The problem still remains ; there are accounts impacting my score in a negative way. Please help solve this issue.

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 2020-04-16 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: CA

Complaint narrative:
I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are three accounts that are not mine with negative history appearing on my credit. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies nor have I ever signed any contract or agreement in regards to these accounts that are in negative standing. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit. I have already filed a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: LA

Complaint narrative:
I notified both XXXX  and Equifax by certified mail on two separate occasions in XXXX andXX/XX/2020, with supporting documents making the companies aware that I am a victim of identity theft. Both companies placed a fraud alert onto my credit files, but has not investigated the disputes listed in the dispute letter. All I've received from XXXX  and Equifax was a paper stating that a fraud alert was placed onto my credit file. ( PLEASE SEE ATTACHMENTS ) The FCRA promotes accuracy, and fairness of information in the files of consumer reporting agencies. The FCRA Summary of Rights also states that you required by Federal Law to physically verify  accounts that creditors are reporting to your company within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME. THESE INQUIRIES ARE REPORTING WITHOUT MY KNOWLEDGE AND THEY ARE DUE FOR REMOVAL.

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 2020-04-16 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 applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are three accounts that are not mine with negative history appearing on my credit. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies nor have I ever signed any contract or agreement in regards to these accounts that are in negative standing. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit. I have already filed a police report regarding these unauthorized accounts.

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 2020-04-16 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: CA

Complaint narrative:
I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are three accounts that are not mine with negative history appearing on my credit. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies nor have I ever signed any contract or agreement in regards to these accounts that are in negative standing. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit. I have already filed a police report regarding these unauthorized accounts.

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