vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
CONTACTED XXXX ON XX/XX/XXXX, ABOUT SEVERAL INQUIRIES THAT HAD BEEN MADE ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THE LADY TOLD ME THAT THEY SHE WAS NOT GOING TO DISPUT THEM AND THAT I WAS GOING TO HAVE TO CONTACT THE COMPANIES. I TOLD HER THAT I WAS TOLD TO CONTACT THEM AND THAT THEY WERE TO DISPUTE THEM AND SHE WOULD NOT DO IT. I DON ; T HAVE A CLUE AS TO WHO THESE COMPANIES ARE AND THIS IS JUST MORE OF A REASON WHY CREDIT BUREAUS NEED TO BE INVESTIGATED ON A DAILY BASIS. 
JPMCB CARD XXXX XXXX RETAIL CARD SERVICES XXXX  XXXX FOR A TOTAL OF 3 TIMES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
CONTACTED XXXX ON XX/XX/XXXX, ABOUT SEVERAL INQUIRIES THAT HAD BEEN MADE ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THE LADY TOLD ME THAT THEY SHE WAS NOT GOING TO DISPUT THEM AND THAT I WAS GOING TO HAVE TO CONTACT THE COMPANIES. I TOLD HER THAT I WAS TOLD TO CONTACT THEM AND THAT THEY WERE TO DISPUTE THEM AND SHE WOULD NOT DO IT. I DON ; T HAVE A CLUE AS TO WHO THESE COMPANIES ARE AND THIS IS JUST MORE OF A REASON WHY CREDIT BUREAUS NEED TO BE INVESTIGATED ON A DAILY BASIS. 
XXXXXXXX XXXX XXXX XXXX RETAIL CARD SERVICES CAPITAL ONE FOR A TOTAL OF 3 TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: AL

Complaint narrative:
CONTACTED EXPERIAN ON XX/XX/XXXX, ABOUT SEVERAL INQUIRIES THAT HAD BEEN MADE ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THE LADY TOLD ME THAT THEY SHE WAS NOT GOING TO DISPUT THEM AND THAT I WAS GOING TO HAVE TO CONTACT THE COMPANIES. I TOLD HER THAT I WAS TOLD TO CONTACT THEM AND THAT THEY WERE TO DISPUTE THEM AND SHE WOULD NOT DO IT. I DON ; T HAVE A CLUE AS TO WHO THESE COMPANIES ARE AND THIS IS JUST MORE OF A REASON WHY CREDIT BUREAUS NEED TO BE INVESTIGATED ON A DAILY BASIS. 
XXXXXXXX XXXX XXXX XXXX RETAIL CARD SERVICES XXXX XXXX  FOR A TOTAL OF 3 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 2022-03-30 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My name is XXXX XXXX. I have just received a 30 day late payment on my XXXX XXXX Chase Reward card ( ending XXXX ). Ive had this card in good standing and great payment history since I opened it back in 2017. At the being of this year, my entire family had XXXX. My wife and I were off from work for 14 days and while we were nursing ourselves back to health, we also were taken care of our kids who all got sick including our XXXX XXXX XXXX daughter. Once we went back to work, it was weeks before XXXX XXXX XXXXXXXX paid us 60 % of what we would have made. I spent most of XXXX working overtime to recoup what we lost. We had the funds to make a payment, but somehow between my wife and I, our Chase card got over looked. 

Chase called or contact to inform us of our payment status. We called as soon as we saw the alert to our credit. Both of us assumed the other had taken care of the payment because we never received a letter or email or text or call saying that we were late, let alone close to 30 day lates. We have since paid off the card making our balance XXXX. And have ask the internal credit reporting department for help removing the late payment. They have tried to do so, but explain that without permission to change reporting from higher up in the company, they could only change report for Chase errors. One man we spoke to was frustrated for us, he said if we actually did have XXXX we would have been able to get a 30 day skip payment. The last woman I spoke advised me that there was nothing that she could do. But suggested writing into her higher ups and explains our situation. 

Which I did, I was told that they would not remove the late payment. But then a week later the late payment we removed from all three major credit bureaus. And then two days ago, the late payment was re-added. I have attached a copy of my XXXX test results, a copy of my XXXX account history with this Chase card XXXX A screen shot of the lat payment coming off of my report. And a copy of my phone records. Showing that the entire month of XXXX and XXXX we had no contact from Chase that the account might be late. If you need anymore information please feel free to call XXXX or email my back at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Dear CFPB, I am sending this email in regards to a dispute against the company Coinbase.com - in a last resort attempt, to receive assistance to my hostage held portfolio. On numerous occasions, I have attempted to communicate with Coinbase via their phone lines- which just goes round and round in loop-cycles advising you to email support. 

Email support has been emailed over a handful of times, with ZERO communication back. While I understand investigations take their time, I also understand how racketing is performed and right now it's not looking ethical. Hundreds of individuals online are in the same situation as I am - and nothing gets done. 

If this situation is not internally resolved within an appropriate timeframe, I have no other choice but to go through XXXX and use all my resources to get to the bottom of this. XXXX XXXX XXXX ( XXXX : XXXX ) can also have a piece of this given the jurisdiction. 

On numerous occasions, I have always complied with any requests Coinbase had. I have verified my identity in full under the updated KYC procedures. I have security enabled and never violated any terms of service - simply ignored for months on months. 

I demand Coinbase provide clarification on why they have held my account hostage for over 6 months without any communication to justify holding my {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MS

Complaint narrative:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was informed today that the American Express Company changed the address on the corporate card of my former employer of whom I left in XXXX of XXXX. They did this without my permission. I asked them only to send me copies of back bills so that I could make fraud charges for expenses made after my retirement. They had no right to do this. I phoned them again on XX/XX/XXXX and said I did not " request this change. '' After speaking with two agents, they refused to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have reported this company twice already. They refuse or are unable to update my tax documents that I need to file THIS YEARS taxes. It is urgent at this point. I have provided all the required information to prove that their outstanding mortgage principal on 2021 IRS Substitute Form 1098 is incorrect based on their own system 's information. It is amazing that this issue has not been fixed and getting in touch with customer service has gotten me nowhere. We are nearing the end of tax season.

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 2022-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hard inquires 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 2022-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I applied for a store credit card in XX/XX/2021 at XXXX 's department store in XXXX, TN. My credit application was approved. 

I never received a credit card nor have I received a statement. I have never made any charges on the account since I never received a card. 

I have been notified that a payment on my account is more than 30 days past due and the non-payment has been reported to XXXX. The charges on the account are obviously fraudulent, since I did not make them. Please correct this mistake and remove the negative report from my account. 

Sincerely, 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 2022-03-30 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: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I have tried to get a collection resolved and removed from my credit report that Absolute Resolution is reporting that is not mine. In my request to get information about this account, they haven't provided me with any documentation or any results from my request I sent to them. Instead, they sent me information that has no agreement or any other information that this items belongs to me. Items I asked for were as follows : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. What the money you say I owe is for 7. Prove the Statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with your license numbers and Registered Agent Still to these day, none of these items was provided to me from Absolute Resolution. Furthermore, I never had an account with XXXX, as well as I never lived in XXXX from which this company show that i lived at and never have lived in. Still Absolute Resolution has not did anything to provide me with the information I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: NY

Complaint narrative:
I notice some fraudulent inquiries on my credit report that I didn't authorize. Please remove immediately because I'm going through some time sensitive life experiences & I can't move forward because of these inquiries.

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 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION & XXXX, I HAVE SENT YOU BOTH MULTIPLE CERTIFIED LETTERS TO REQUEST TO UPDATE MY PERSONAL INFORMATION. YOU ARE WILLFULLY REFUSING TO DO SO. I HAVE SENT IN PROOF OF IDENTITY AND YOU STILL REFUSE TO UPDATE MY PERSONAL INFORMATION. IVE BECOME ABSOLUTELY STRESSED BY THIS PROCESS THAT I CONTINUE TO SEND MONEY FOR POSTAGE AND YOU BOTH STILL HAVEN'T FIX THE 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 non-monetary relief
Consumer complaint received 2022-03-30 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: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
I have been making bi-weekly payments to Specialized Loan Servicing and after checking my credit report through my banking account I noticed there was a 30 day mortgage late reflecting which dropped my score 40 points. I have been working diligently to raise my score with them to possibly get a modification. I contacted them to and received a message about the fair credit reporting act. I also have a dispute in with them through XXXX as well. I have also been speaking to some credit repair companies who claim they can possibly get the 30 day late removed, but of course that is money. I have heard so many complaints regarding this company that I don't think I would want to do anymore business with them. My account was transferred to them from XXXX XXXX. When making payments there was an unapplied/suspense in the account so when the payment there wasn't enough to make a full payment and I wasn't aware. I have also faxed the company a XXXX letter to get it removed, but that could've went to anyone. Please help!!

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 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
My first loan that was serviced through Cardinal was loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We refinanced some time around XX/XX/XXXX to our current loan numbered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both my first and second loans were accompanied by an escrow account to take care of taxes and insurance. I received a letter from my county tax office that my taxes had not been paid towards the end of XX/XX/XXXX and immediately contacted Cardinal. I talked with several people in Cardinals escrow department and they all gave me different answers on how to handle this situation. Answers varied from that I needed to pay them myself and I would be refunded the late fees that were charged, to Cardinal will take care of it but my monthly payment will go up because of this. I waited for several weeks to receive contact from Cardinal on how this issue would be resolved and did not hear anything. I again made calls to talk with representatives and was told to go ahead and pay the taxes on my own. On XX/XX/XXXX I paid off the taxes and the late fees before any additional fees would be added. To pay the taxes and late fees I used money that sits in an interest accruing account that is designated as my family 's emergency fund. On XX/XX/XXXX around XXXX I called Cardinal and this time asked to speak to a manager. She explained to me that the taxes and late fees would have been taken care of if I hadn't asked for my escrow account to be closed. She did slip up and say that the order had been placed and was pending to have the taxes/late fees paid ( which was never made clear to me ) but since the escrow account was requested to be closed they are no longer liable to pay the fees. If the order was in for this to be taken care of and the fees covered why can I not be reimbursed for the late fees that I paid? From the beginning I was given different answers on how to resolve this issue. Having unpaid taxes was not only embarrassing but a nuisance for my family and I. I have seen numerous complaints on the XXXX XXXX XXXX website that this has become a common occurrence. I would like to be reimbursed for the fees that were added to my property taxes. The amount due in XXXX was {$4400.00} and the amount I had to pay was {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act account XXXX XXXX ( XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I happened to check my credit card account on XX/XX/XXXX and noticed a charge from Experian XXXX XXXX XXXX XXXXXXXX of {$26.00} on XX/XX/XXXX, I later noticed this recurring monthly charge of {$26.00} has occurred since XXXX so three times without my knowledge, no emails, letters, calls from Experian confirming any of these charges. I called Experian and spoke to a customer rep XXXX who said it was because I requested my three credit reports which I thought was part of my free annual request on XX/XX/XXXX. Instead, they parlayed that into a monthly recurring 'premiere membership ' again which I did not consent to, did not receive any confirmation purchase email, and setup as a RECURRING MONTHLY PAYMENT! On XX/XX/XXXX I disputed all three charges with my XXXX card, but Experian dishonestly if not fraudulently signed me up for a recurring service, something I'd expect from more nefarious sales companies, but not one of the XXXX major credit reporting agencies, seems like a conflict of interest for them to be selling these services that it appears most people don't want and they don't explicitly explain what it is. It's egregious, dirty thing to do to consumers, and should be illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXt XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have been trying to have my escrow account removed for 45-60 days with Lakeview Loancare Servicing . I started with an email request and never received a response. I then followed with a phone call and received information. I made the necessary payments and never heard anything back and then followed up again on XX/XX/2022. I was told that I needed to submit a written request so I then did that and was told to wait up to 10 days for processing. After 14 days on XX/XX/2022 I followed up because I had not seen an adjustment on my account. I was then told that my escrow account had a balance and needed to be paid. When looking at the transactions on the account I noticed that the servicer magically paid {$8.00} for a hazard insurance payment and then credited the payment back. On XX/XX/2022 I called again and the servicer can not tell me who the payment was made to, for what reason the payment was made, and why I show a {$0.00} escrow balance but they saw I have a balance and therefore are refusing to cancel my escrow. 

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 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: NV

Complaint narrative:
THIS IS A RESULT 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