vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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: GA

Complaint narrative:
EQUIFAX HAS NOT PROVIDED A SCORE, A REPORT, ANY CREDIT INFORMATION SINCE XX/XX/2020 AND I HAVE 17 YEARS OF CREDIT HISTORY. CALLED THEIR GLOBLE CUSTOMER CARE AND NO OF THEIR OFFSHORE OUTSOURCED CUSTOMER SERVICES AND COULDNT PROVIDE A REASON OR TIME FRAME FOR WHEN MY REPORT, SCORE OR MYEQUIFAX.COM REGISTERED PAGE WILL HAVE ANY, ... YES ANY, INFORMATION UPDATED. THERE IS LITERALLY NOTHING ON MY REPORT OR REPORT HISTORY. I HAVE A LOAN REQUEST AND IT CAN NOT BE COMPLETED BECAUSE NONE OF MY EQUIFAX INFORMATION IS AVAILABLE FOR THEM TO COMPLETE THE LOAN PROCESS AS THEY REQUIRE 3 CREDIT BUREAUS REPORTS AND SCORES. NEITHER IS AVAILABLE FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a mortgage with Chase. I started the loan in XX/XX/2020. I pay {$930.00}. 
I could not pay the mortgage in XXXX because the branch where I make the payments was closed during XX/XX/2020 due to COVID. Branch address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
I immediately paid XXXX 's payment in XXXX and the payments are up to date. I never missed the payment earlier. This happened due to COVID. This has impacted my and my wife 's credit score severely and I requested CHASE several times to issue goodwill adjustment letter to erase the late payment information from my credit reports. I request them to issue goodwill adjustment letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
Dovenmuehin mortgage company in not posting my payments on time to get late fess from me. I call and as them why they did not cash the check they never got them. After I sent them with video proof. And now there are trying to raise my payment on a XXXX XXXX  XXXX XXXX a month and saying I am more behind then what I am. I have recorded all calls and this is stopping me from a refinance. And cosing me time stress and loss of money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: PA

Complaint narrative:
My wallet was stolen at a Mall in XX/XX/2014and was never found and the thief has used my information numerous times!!!

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 2020-10-07 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:
My wallet was stolen at a Mall in XX/XX/2014and was never found and the thief has used my information numerous times!!!

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 2020-10-07 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2020 I received a notification that " Syncb/sams had requested my Transunion credit report. Apparently, this was a Sam 's Club credit card, I am not even a member at Sam 's Club so I wouldn't even have a reason to apply for their credit card. I called their customer  service number, XXXX, and spoke with a representative who had no record of me ever filling out an application. Afterward, on the same day, I called XXXX  for help in removing this inquiry and they said my only source of recourse was to file a consumer complaint.

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 2020-10-07 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: DISCOVER BANK
State: PA

Complaint narrative:
I purchased kitchen pulls worth {$220.00} from XXXX XXXX via XXXX using my Discover card on XX/XX/2020. This vendor uses XXXX as a selling platform for her merchandise to US customers  through XXXX. This fact was unknown to me including her location which is mainland XXXX. When I asked to have the merchandise returned because they were the wrong size, she gave me instructions to mail it directly to an apartment in XXXX and not to indicate that it is a return because she does not want to be charged a tax or something. She also said she would refund it including my mailing cost of {$74.00}. When I finally mailed it to her, she changed her tune that she was only refunding the mailing cost to me ( note that the shipping was free of charge, so no cost identified at all ). I also filed a billing dispute with Discover to get the refund. After all the back and forth negotiations, Discover refuses to refund me despite showing them my USPS receipt, tracking number and the shipping declaration. Their reason -- I have to show proof of receipt by the vendor. Note that USPS informed me at the time of my mailing that USPS can not track the final destination inside XXXX because it is a XXXX country. The tracking can only show the port of entry in XXXX. I have tried to ask XXXX to intervene but the vendor tries to sidetrack the issue by first saying that the amount was deducted from her account, failing to mention that she received the credit after the temporary refund was rescinded because I could only show the mailing receipt and tracking form but not proof of receipt by the vendor. 
To date, XXXX could not get any clear response from the vendor whether she received it or not. 
Based on all my due diligence of returning the items, it is very unfair that the merchant gets to keep her merchandise because there is no power from the U.S. to force her to show proof that she did not receive the items, and I have spent over {$300.00} for the cost of the goods and return shipping for nothing.

I would like the US Department of Finance to help me get my refund  and the cost of mailing from the vendor or from XXXX because I have ended up being defrauded by a vendor in XXXX being sponsored by XXXX. I am attaching the receipt from the vendor, the USPS receipt,  the tracking form, the shipping declaration, and the back and forth emails between me, the vendor, and XXXX. 
I look forward to your kind help, support, and consideration. 
XXXX XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: PA

Complaint narrative:
While in the process of refinancing our properties we learned that one of our current mortgage holders Arvest central mortgage company miscalculated the annual escrow analysis and raised our monthly payment by XXXX per month without notifying us. We only found out because the company we are refinancing with showed us a report that has us marked as delinquent for the last 2 months payments on this property with Arvest ... .again this is because our automatic monthly payment sent each month did not cover this newly incorrect monthly payment amount. Because of this incorrect delinquent notice on our record our reference has not gone through costing us extra money each day this issues is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: OH

Complaint narrative:
For the third time now, my relia card has had my funds frozen, and am not able to do anything with my money. From XXXX XXXX, the card was locked, even tho they stil accepted my funds they where only frozen from me being able to use them at all. My ID, tax papers and social security card where requested, I faxed and uploaded them. Again on XX/XX/XXXX to the XXXX, my card was once again locked, only from me being able to do anything with my money, again, they still accepted my money on the card. I again spent murmurous hours on the phone, told something different by every person I talked to, I filed several complaints with the better business burrow and even recieved a letter stating sorry for the inconvenience and I should be able to access my funds. On XX/XX/XXXX, I had to do an identity verification with my ID and a selfie, I recieved a text unlocking my account, and hours later it was again locked! This is crazy and rediculous! I have proven I am who the card is issued to! I have a new account at XXXX for my benefits every week, I really just want to transfer the remaining XXXX XXXX left on the usbank relia card transferred to my XXXX account! My ID is expired, In the state of Ohio we are in a state of emergency, and My ID is acceptable till XX/XX/2020. I would like to get a new ID its kinda hard with my funds being held from me! I have sent in my photo ID, it is the exact same ID I just used in XXXX to get my unemployed claim, if the state of Ohio can accept it, and relia card has on XXXX different occasions, it should be able to be used! I was never asked for a copy of my ID befor I got the card and befor they started taking my money! Why is it that they can atilll accept my money only to hold it from me in my Time if need!! Please help me

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 2020-10-07 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$1600.00}, {$4100.00}, {$5300.00}, {$11000.00}, {$5900.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.

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 2020-10-07 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: MN

Complaint narrative:
This information has not been validated. They have caused me to be denied and not been able to secure financial stability for my family. I have disputed this information more than 4 times and it does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. 

This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of  the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am requesting to have the credit freeze removed from my Credit file I am unable to pull my credit file to conduct my financial business. 
Please see my attached documents SS Card, Rental lease and Statement bills.

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 2020-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have reach out to ARS Resolution/ XXXX XXXX  and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of this account. My credit score has been affected. I am asking for this item to be removed from my credit 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 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have been with Mr Cooper 17 years and have never missed a payment. I have been in the process of refinancing my home and the loan officer is XXXX XXXX XXXX. For the past XXXX weeks I have reached out to her 3 times and she has failed to follow-up with me and has failed to provide the customer service. I called on Saturday XX/XX/2020 Me Cooper to comment on my experience and a manager would call me back. It is Tuesday XX/XX/2020 and I called again Mr Cooper and was on the line for 47 minutes with no guidance or customer support to remedy the situation. This experience no customer should endure. I highly recommend you do not do business with Mr Cooper as you will regret the negative experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing in reference to a Citibanks credit card ( Citicards ). There was a fraudulent charge made in the predecessor card ending in XXXX which was closed upon my call to report this charge. My card was used fraudulently in XXXX. The charge disputed is : Merchant : XXXX XXXX Amount : {$10000.00} ( Euros XXXX ) Date : XX/XX/2018 After calling Citicards numerous times over several months after I discovered the charge and asking to reach out to the merchant and request proof that I made the charge, my case was denied and closed. My credit card was later on closed as well. Citicards claims they reached to the merchant, but never provided any details of that, nor a clear explanation of what information they received from the merchant. 

I reached to the merchant and was provided with a sales invoice showing the charge disputed. The invoice apparently was issued in connection with a purchase in XXXX at an auction house made by an individual with an address in XXXX, who I dont know. The merchant also indicated they typically ask for identification before allowing individuals to participate on their auctions, but I was not provided with any other information or identification that may be in their possession. As such, the merchant must have verified the identity of this individual, which clearly shows it was not me who originated the charge. 

In light of the above, I request that you get involved and ask them to credit back the amount fraudulently charged to my credit card. Please feel free to reach out to me with any questions. 

Regards, 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 2020-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I have a car loan with Nissan Motor Acceptance Corporation ( NMAC ) - it was a 5 year, 0 % interest rate loan, started in XX/XX/XXXX. I've had an automatic payment as well as paperless statements set up from the beginning of the loan to ensure I never have a late or missed payment. For some reason, NMAC stopped processing my automatic payments in XX/XX/XXXX ( with 2 monthly payments remaining on my balance ) and I ended up being late on my final 2 payments. The only reason I noticed they had stopped deducting my payments automatically, was I got my credit score as an alert from a monitoring service and it had dropped 100 points as a result of this. Once I noticed I was late, I immediately made my final 2 payments and closed out my loan on XX/XX/XXXX. 

Upon finally calling their customer service ( on XX/XX/XXXX ), they told me they changed their system and had sent me notices asking me to switch to another system. I did not receive any of these notifications digitally. The rep mentioned they should be available to view online under my account and upon review, there were no notifications there either under the messages section. 

Upon asking for them to remove the late payment record as a result of their process change, they refused stating it was my responsibility to make the payments, and they had no responsibility to let me know that automatic payments have been stopped by them. I would not have missed any of the payments if they hadn't turned my payments off and am now stuck with a late payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: KS

Complaint narrative:
I never authorized this company to open an account. I have tried contacting them, disputing this with the credit bureaus and they have done nothing. I never opened this account, they claim to help build credit if you secure a {$500.00} deposit. Then you can barrow against it, I never asked for this, but they will not adhere to my demands to remove this from my credit report. 
I have never made any agreement or acceptance for their service. I have never paid on this, nor have I ever asked for this. Please help This account was closed on XX/XX/XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$550.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance $ 550 Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 11 mos ) Term 12 months ( 1 year ) PAYMENT HISTORY You've made 50 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX red_status XXXX green_status green_status Current red_status Not current Last payment XX/XX/XXXX Payment status 30-59 Days Late Worst payment status 60-89 Days Late ACCOUNT DETAILS Account status Closed Type Secured loan Responsibility Individual Remarks Closed Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX 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 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have no idea what the Calvery port is. Is {$3900.00} that has ruin my record and because if it I lost my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Im receiving a second notice from two different collection agencies from a debt I already paid. Original debt agency was XXXX XXXX XXXX XXXX  XXXX XXXX was the first collection agency to call me after the debt was paid and now im having Transworld System Inc trying to  collect the same debt.

Company response to consumer: Closed with explanation