vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My Mortgage is serviced by XXXX XXXX XXXX Suposedly owned by XXXX XXXX XXXX XXXX as trustee For XXXX XXXX loan trust XX/XX/XXXX-XX/XX/XXXX My loan was originated with Wash Mutual Bank  XXXX in XX/XX/XXXX My loan was sold to XXXX XXXX by WAMU   XX/XX/XXXX Chase purchased WAMU in XX/XX/XXXX from FDIC Chase send letter they are now the " investor '' in the loan ( NONE ) of these transfers are recorded as is Required by law in NJ In XX/XX/XXXX- Chase assigns my loan acting as power of attorney from FDIC according to purchase and assumption agreement that took place in XX/XX/XXXX How do you by a loan from FDIC on XX/XX/XXXX that WAMU  sold on XX/XX/XXXX Chase retained certain documents as loan servicer that it used to perpetrate this fraud Both XXXX   and Chase refuse to prove ownership of my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX I placed a fraud alerts on my account so that Experian could not extend credit to anyone. This is the note on my account> XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

On XX/XX/XXXX this company ( a money lender ) XXXX  XXXX contacted experian and opened a fradualent credit line of XXXX dollars for an unknow person. As a result if this fraud, Experian changed my birthday and my address and extended allowed XXXX to give credit for {$5000.00} to an unknow person. 

On XX/XX/XXXX XXXX  XXXX XXXX called me to alert me that I was denied for a credit line that I request due to deliquent account. XX/XX/XXXX, was the first time that I was alerted of any credit being pulled although I have a Fraud Alert for seven years ( starting on XX/XX/XXXX ) on my account. No one from Experian called me to check per the alert instructions. And they allowed a company to get credit without my permission. 

I have filed a police report today on XX/XX/XXXX and contacted the FTC to let them about XXXX and the fraudulent charges. In total with late fees, there is {$5500.00} fraud total for due monies reflected on my account which are not mine. 

In addition, XXXX was able to change by birthdate and home address through Experian. I have been able to fix my birthdate with Experian but am still working to change my address and clear the fraudulent charges. 

My Fico score was not ffected with Experian. I urge consumers to review their full report frequently since Experian has allowed a company to pull my credit despite of a fraud alert for seven years.

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 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX credit card is reporting me for a balance of : XXXX XXXX XXXX Last reported XX/XX/2020 {$730.00} Reported balance Credit limit This is not my account. This is a result of fraud. They will not properly investigate this to remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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.

Complaint narrative:
A little while ago, I split for my emotionally volatile wife, I thought she used my XXXX to pay for some items ( XXXX  ) and I raised a complaint with XXXX  and XXXX  but XXXX never responded, I have quite a hectic life with 2 jobs and children along with lots of medical conditions and for a number of months they never responded to me, and I kept chasing up using resolver and they still never got in touch - I left my phone number on each one. After a period of time I got fed up of the problem not being resolved and I naively stopped paying which is something I regret hugely, at this point I also referred the matter onto the Financial Services ombudsman and when XXXX the representative contacted me he suggested not to start paying again until the investigation has been completed. Financial Ombudsman stated I was right, and confirmed my win however XXXX were allowed to register some late payments on my credit account, which I feel now is unfair, and is now scuppering my plans to get a mortgage. I have also had the amount on the account increased with late payments and interest added.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was hit with a 30 day late on my credit report and I was not and have not been 30 over days late. 

XX/XX/XXXX, I paid {$56.00} on my account. 
XX/XX/XXXX, I was hit with a finance charge for XXXX. 
XX/XX/XXXX, I paid my account in full for XXXX. 
XX/XX/XXXX - NO TRANSACTIONS. 

Next Transaction was not until XX/XX/XXXX & XX/XX/XXXX. For XXXX. 

THERE IS A LATE FEE FOR XXXX CARRIED FROM A PREVIOUS BALANCE - THERE WAS NO PREVIOUS BALANCE. I PAID EVERYTHING OFF. 

RECEIVED A LATE CHARGE ON MY CREDIT REPORT XX/XX/XXXX ON XXXX XXXX : I PAID THE XXXX NOT ONCE HAVE I BEEN LATE 30 days! 
KOHLS IS REFUSING TO REMOVE THE XXXX LATE FEE WHEN I WAS NEVER LATE. 

XX/XX/XXXX, I called kohls credit card and they credited me back the XXXX late and agreed with me there was no late and she would send it to whomever for removal. Next thing I know I get a letter saying they are not removing it. Makes no sense to me. 

Here is my account payment history from them directly. I am refunded the money cause there error, but they won't fix my credit report??? 

Posted Payments Payment Date Payment Amount Description XX/XX/XXXX {$1.00} Late charge refund XX/XX/XXXX {$49.00} Payment XX/XX/XXXX {$470.00} Payment XX/XX/XXXX {$49.00} Payment XX/XX/XXXX {$56.00} Payment XX/XX/XXXX {$140.00} Payment I just want my credit report update for XX/XX/XXXX to properly show I have paid my account perfectly. I will never use or shop at Kohls again, as I have been treated so unfair! Complete disregard for my lively hood and my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/2020, I received forgery check from USBank amount {$2400.00}. It was counter withdraw from my checking account, but never been deposit.

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 2020-02-17 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: PNC Bank N.A.
State: OH

Complaint narrative:
I'd like to complain about the fraud monitoring process for this credit card. 

I had a fraudulent charge on my PNC credit card. The company is investigating the matter further in their internal system. I asked the company why there was not an alert sent regarding this charge and asked to speak to someone on the matter. I was told the charge did not warrant a large enough risk score for their algorithm for alerting me. 

The fact is that this charge was to a vendor never before used by me, in another state far from my residence, for a rather large amount for a one time payment. The risk scoring methods seem misaligned as regular charges in my credit card report are called for alerts but this one-off spending habit does not. 

I have used this credit card company and have had fraudulent charges arise before. In none of these prior cases and this one has there been relevant alerts for the types of charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: NC

Complaint narrative:
We closed in XX/XX/2020. There was significant checks involved with upwards of 15 to 20 creditors. The company New American Funding New American Funding - ( XXXX, CA XXXX ) did not pay off my creditors directly, rather mailed checks I got a week later. There was one errant account included that grossed up my mortgage by ( XXXX. They have since taken it back but I still have no replacement funds either reducing or a cash back ). I sent all large checks - {$800.00} plus to the credit card companies with tracking - USPS lost one - so now I have another {$1000.00} lost. Because of their business practices that favor their bank account balances by forcing a MONTH OF FLOAT! I am paying interest on some debt in 2 PLACES!!!! 

I feel that this is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ON XX/XX/2020 EQUIFAX INCORRECTLY AND FALSELY LOWERED MY CREDIT SCORE AS THE REPORTS DATED XX/XX/2020 SHOWS SCORE XXXX AND THE REPORTED DATED XX/XX/2020 SHOWS SCORE DROPPED 6 POINTS. 
ATTACHED COPIES OF THE SCORES FOR THE TWO DATES ON XX/XX/2020 I RECEIVED TWO ALERTS AS ATTACHED. 

THE ACCOUNTS HAVE NOT CHANGED BUT EQUIFAX FRAUDULENTLY LOWED THE SCORE AS THE ACCOUNTS STATUS HAS NOT CHANGED. AS THE ACCOUNT WERE UPDATE. 

EQUIFAX HAS REPEATABILITY IN THE PAST LOWED MY SCORE WHEN THE ACCOUNT WAS UPDATED WITH THE SAME DATA. 

XXXX AND XXXX  ARE ALSO GUILTY OF THIS FRAUDULENT PRACTICE. 

EQUIFAX NEEDS TO STOP THIS FRAUDULENT PRACTICE WHEN ACCOUNTS UPDATED AND WHERE THE STATUS HAS NOT CHANGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I've noticed that Synchrony has closed my Rooms to Go account without giving me the chance to dispute it. I received emails on a regular basis and went to go make a purchase this weekend and learned that my account is closed. I have also received notices from Synchrony to inform that they rechecked my credit and have decided to reduce my credit limit without notifying me first to see what the problem is or to see if its something that can easily be fixed. I admit that I may have missed a payment due date a time or two but is that grounds for reducing my credit limit and ruining my credit? I have had a devasting reduction in my credit score and unable to hardly get any credit now. Like I said, I knew that I had missed a payment or two here and there but couldn't figure out how my credit score took such a big hit but now I know why. I feel that Synchrony has taken advantage of me and I don't like this. Unfortunately, they do the financing for 7 or the vendors that I am currently doing business with. I owe balances on each of those cards except Rooms to Go. I am in need of a good mattress but could not get reapproved this past weekend. I have paid off the previous balance a few years ago. I could see me being approved as an issue if I was in default with them. Why does Synchrony get to treat hardworking consumers in this manner?

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 2020-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
The State of Virginia offers property tax exemption for XXXX XXXX XXXX and XXXX XXXX veterans. I have provided my mortgage company with the required documents as well as additional requested documents that include a sealed and certified letter from the state that verifies my exemption status. I have called Freedom Mortgage multiple times to have them fix the situation but they continue to request additional documents.

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 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ON XX/XX/2020 XXXX  INCORRECTLY AND FALSELY LOWERED MY CREDIT SCORE AS THE REPORTS DATED XX/XX/2020 SHOWS SCORE 698 AND THE REPORTED DATED XX/XX/2020 SHOWS SCORE DROPPED 6 POINTS.

ATTACHED COPIES OF THE SCORES FOR THE TWO DATES ON XX/XX/2020 I RECEIVED TWO ALERTS AS ATTACHED. 

THE ACCOUNTS HAVE NOT CHANGED BUT XXXX  FRAUDULENTLY LOWED THE SCORE AS THE ACCOUNTS STATUS HAS NOT CHANGED. AS THE ACCOUNT WERE UPDATE. 

XXXX  HAS REPEATABILITY IN THE PAST LOWED MY SCORE WHEN THE ACCOUNT WAS UPDATED WITH THE SAME DATA. 

TRANSUNION AND XXXX  ARE ALSO GUILTY OF THIS FRAUDULENT PRACTICE. 

XXXX  NEEDS TO STOP THIS FRAUDULENT PRACTICE WHEN ACCOUNTS UPDATED AND WHERE THE STATUS HAS NOT CHANGED.

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 2020-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I co-signed my son 's loan in XXXX-I paid the loan off in XXXXNavient applied the monies to the wrong account, which I was unaware of, until XXXX. They have been calling and asking for repayment. They finally admit they made an error, but state now that it is too late to make the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX my XXXX Visa reword card closed without informing. 
My credit score was good and no explanation why my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: LA

Complaint narrative:
I received a text on XX/XX/2020 at XXXX XXXX cst informing me of my attorney to contact national recovery. I have never heard from them or spoke with them before that day. I was asked to contact them at XXXX which I did. I verified my phone number and social security number with the representative. She informed me this was in reference to a debt that I had with XXXX XXXX XXXX some time ago. I was told there is an outstanding balance owed of {$800.00} and was asked if I had committed fraud against XXXX XXXX XXXX or did I run into a financial hardship. 

I can not remember the representative name but she sounded as if she was from XXXX or somewhere in that region, she offered a settlement of {$500.00} and I informed her that I could not pay that today. She asked if I could pay {$200.00} a month and I said no, then she started to get aggressive and I said {$150.00} a month I believe I could handle that. I proceeded to ask her for a letter in writing stating this payment plan, so I could have proof from their company in writing and she refused. She became hostile and verbally abusive to me. She stated that I just needed to give her my bank card or information. She would not allow me to explain why I was not comfortable with handling this matter this way. She then proceeded to tell me that I should get an attorney and that she is logging this conversation as a refusal to pay. I did not get a chance to say another word, because as I attempted to dispute her remark that I was refusing to make arrangements she hung up in my face. I have never in my life been treated so terrible and I know that is not in compliance with FDCPA laws and that I have rights as a consumer. I ask that you please assist me by investigating this company and their tactics. The representative also stated that she was in the legal department. Lastly the representative stated that she is turning my file over to the clerk of court office.

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 2020-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: National Recovery Solutions, LLC
State: TX

Complaint narrative:
This company has failed to respond again. I previously filed a CFPB complaint advising this company failed to produce validation documents. I received a response through this portal and then I received a letter via XXXX from the parent company advising they take my complaint seriously and will receive the requested validation documents within 30 days. As of today, I have not received any validation documents, no phone calls or no other letters indicating that I will be receiving my documents soon. As this point, I have lost patience with trying to resolve my account. I have hired a lawyer and in the process of filing a lawsuit against the company for failing to provide validation documents within a certain time frame. This company has not reached out to my job to complete an employment verification and again I have not received any validation documents. Any future correspondence will need to be sent to my attorney. I am requesting that this company, NRS, CEASE & DESIST ALL COMMUNICATION!! No letters and no calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX of 2015 I finalized my divorce which included child support to begin in XXXX of 2015. I began to pay as ordered but the office of the attorney general in Texas did not accrue my payments. The matter was settled at a meeting at the child support office and an order was issued to correct the matter. However the Child support office refused to acknowledge their mistake and has left the problem notation on my credit records. This record has no basis and it should be removed.

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 2020-02-17 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: LEXISNEXIS
State: TX

Complaint narrative:
reporting inacurate information. Inclosed is an opt out form I would like to go ahead and proceed with removing the inacurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint about Transunion. Their records are not updated regularly, thus they are reporting my credit score as poor.

They indicate one credit card being paid regularly, and there are two which would increase my credit score. 
I submitted a discrepancy report regarding an account I'm paying through a third party, but they do not reflect it.

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 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I have a general-purpose rewards credit card for Loft stores through Comenity Bank. I have had this account for several years and have been enrolled in paperless billing since at least XXXX. According to FAQs on the Loft account website, when enrolled in paperless billing, I should receive an email when my billing statement is available in Account Center. 

On XX/XX/XXXX, I made a charge for {$7.00} at an Economy Market. I did not receive an email until XX/XX/XXXX notifying me that a statement was available in the Account Center. In the meantime, Comenity Bank charged me two different late fees ( {$7.00} and {$16.00} ) for the months of XXXX and XXXX, respectively, and charged me {$1.00} in interest for each month. The same day I received the email notification that my statement was available, I logged onto my account and immediately paid the {$34.00} total balance. But I learned that Comenity Bank furnished to the credit reporting agencies that my account was past due, thus decreasing my credit score. 

Because I did not receive an email notification that my XXXX or XXXX statements were available, it was improper for the Bank to charge late fees or furnish negative information about my account. Had I received a timely notification that my XXXX statement was available, I would have immediately paid the amount due. The Bank 's failure to send that notification -- in violation of their own paperless billing policy -- is the reason my payment was late. 

I tried to resolve this by contacting the Bank, but they stated that they could not do anything about it, and further stated -- incorrectly -- that they were required by law to furnish negative information when my account was delinquent.

Company response to consumer: Closed with monetary relief