vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a message from Chase that two of my mortgages are enrolled in their Covid 19 'Payment Assistance Program ' and that the program has just been extended on these loans for another 3 months because they didn't hear from me. However, I never signed up for this program and I do not want it. I initially inquired about this program but decided against enrolling. Because I never enrolled, I don't know what the ramifications are to my accounts but I am worried it might have an effect on my payments or interest charged or some other aspects of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have submitted several dispute letters asking how the accounts that are reporting negative on my credit report were verified. no response was ever given to me and the accounts continue to report incorrectly. both equifax and XXXX are reporting these accounts incorrectly since they have not been verified and no proof has been given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I received a text alert about a card not present on my account was charged. I looked at my account and did not see anything. I've had to issue a new card four times already and the same thing keeps happening. I also keep changing my pin number.

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 2020-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I received a notification from XXXX that my credit rating took a dip a rather big debt because it was reported I had not paid my mortgage. The email I got from XXXX stated that this was posted in TransUnion. I contacted TransUnion. They told me my mortgage lender XXXX XXXX   notified them delinquent on the payment. I contacted XXXX XXXX. They sent me copies of everything they sent to all of the reporting agencies.. It never showed me is being delinquent on a payment. Trans Union has informed me that I should Contact XXXX XXXX  again. With Trans Union has failed to note was that my bank reported to Trans Union in XXXX that the mortgage was paid. Your Trans Union went public in early XXXX that I was delinquent. XXXX XXXX  they never sent anything in late XXXX or early XXXX to any other reporting agencies. Only Trans Union has reported me delinquent. The bank reports to all for reporting agencies at the exact Same time with the same report. I will ask again for proof from TransUnion that they actually receive something from XXXX XXXX. They have never responded to my request for proof that they receive something from 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 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Where is my sign hippa release form? Where is my financial responsibility form from this original creditor? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2020 my Citibank account was closed due to a deposit not in my name. Prior to the deposit I had roughly {$7000.00} in my account The deposit had brought my account to a total of {$9000.00}. {$5000.00} I had sent to myself from my XXXX  because I felt that much money wasnt safe in that account since its not connected to a real bank I also sent myself {$500.00} from XXXX, I received a pAycheck in the amount of {$900.00} from the federal government and I just received my state taxes at the beginning of the month in the amount of {$1300.00} the bank closed my account and said I would receive a check in the mail that following Monday no check came I called and went to the branch and was told to wait for a letter I received the letter stating my account was closed the bank discontinued our relationship and would refund any money in the account prior to closing I at risk of losing my home I already borrowed as much as I could from family I have XXXX kids I keep calling the bank and getting hung up on no one wants to tell me where my money is or when a check will come in the mail. When I do get someone on the phone they tell me I have an available balance of {$18.00} thats all they can tell me and when I say my account had $ 7000+ the reps response is oh wow thats a big difference but sorry I wish I could tell you more. Everything I had was in my account everything I have nothing I already lost half of everything and had to have my kids stay somewhere else because I cant feed them and their home will be gone soon. I didnt know letting my step son deposit into my account would do this Im sorry I just need my money back I was told at the branch I could get my money bank but when the manager tried she said my account was still in the process of being closed.

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 2020-07-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I use XXXX XXXX and also various credit card FICO score which shows that my score is 810+ I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX+ salary. 

When I went to get Auto loan at Toyota dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the Toyota Loan that I took ). I believe Toyota intentionally showed me a lower score. There is no reason for my score to be less than 800. I checked all agencies, credit card FICO scores they are all above 810. 

I have a suspicion that the score is manipulated when I seek loan by Toyota financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: National Credit Adjusters, LLC
State: NC

Complaint narrative:
This debt popped up on my report in XXXX of XXXX, after I starting repairing my credit. I have no knowledge of this debt from XXXX. I requested documentation from NCA as well as XXXX XXXX, neither could provide any proof. Not even a old phone number that was used. I had no choice but to pay them due to them reporting monthly like it was agreed prior and I was neglecting it every month and it still shows that I missed payments for three months. I contacted them in may and payed the debt off after first contact. It was never agreed to prior. I only paid it because I had no choice. National Credit Adjust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX United States was the collection agency and XXXX was the original loan holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
This company has had a guy come up to my door once a week to deliver " legal papers '' for the last 7 months ; he stands on my front door knocking, taking pictures of my vehicles and property. Today, he approached my daughter who is a minor ( XXXX old ) and handed her " legal documents '' demanding her name while my other daughter and some neighbors witnessed the abuse, I was in the shower when my daughter walked in and told me what had happened. We feel harassed, and no longer feel safe at our own home, specially not after the way this individual has taken pictures of my minor kids and we are under surveillance by this individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: VA

Complaint narrative:
I use XXXX XXXX and also various credit card FICO score which shows that my score is XXXX I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX salary. 

When I went to get Auto loan at XXXX dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the XXXX Loan that I took ). I believe XXXX intentionally showed me a lower score. There is no reason for my score to be less than XXXX. I checked all agencies, credit card FICO scores they are all above XXXX. 

I have a suspicion that the score is manipulated when I seek loan by XXXX financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.

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 2020-07-29 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: VA

Complaint narrative:
I use credit karma and also various credit card FICO score which shows that my score is XXXX I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX salary. 

When I went to get Auto loan at XXXX dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the XXXX XXXX that I took ). I believe XXXX intentionally showed me a lower score. There is no reason for my score to be less than XXXX. I checked all agencies, credit card FICO scores they are all above XXXX. 

I have a suspicion that the score is manipulated when I seek loan by XXXX financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I use XXXX XXXX and also various credit card FICO score which shows that my score is 810+ I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX+ salary. 

When I went to get Auto loan at Toyota dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the Toyota Loan that I took ). I believe Toyota intentionally showed me a lower score. There is no reason for my score to be less than 800. I checked all agencies, credit card FICO scores they are all above 810. 

I have a suspicion that the score is manipulated when I seek loan by Toyota financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.

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 2020-07-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I call Equifax and ask to open an investigation on inquiries I see on my credit report they totally refuse to delete this information I call all the banks and the dealers and none of them have any information about me also I when to the police station they told me to ask Equifax to open an investigation first which they refuse to do on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Quicken Loans : Breach of CARES Act Forbearance and XXXX XXXX   guidelines. Sent paperwork that is intimidating and says it won't stop the foreclosure, when I went into a CARES Act forbearance program and asked for it early XXXX, when I was current on my mortgage. They didn't start it until XXXX, and said they start 30 days after the request. They would not allow me to get a six month forbearance, despite requesting numerous times. They mandate that I check in monthly via their website and answer questions, which is also not a requirement of the CARES Act. They refuse to allow me to request six months, and state they are compliant and will not offer anymore than three months, and then they require a reevaluation. They send paperwork stating how much I owe with intimidating language that isn't clear that I can pay the forbearance arrearages at the back end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: CURO Intermediate Holdings
State: NC

Complaint narrative:
This debt popped up on my report in XXXX of XXXX, after I starting repairing my credit. I have no knowledge of this debt from XXXX. I requested documentation from XXXX as well as speedy cash, neither could provide any proof. Not even a old phone number that was used. I had no choice but to pay them due to them reporting monthly like it was agreed prior and I was neglecting it every month and it still shows that I missed payments for three months. I contacted them in may and payed the debt off after first contact. It was never agreed to prior. I only paid it because I had no choice. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX United States was the collection agency and SpeedyCash was the original loan holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I was trying to load gas into my vehicle, so I inserted my Wells Fargo Propel Card and it kept declining. I log into online banking and discover the phrase " account is closed, please call xxxx '' for both my Propel card and Visa Signature card. I was flabbergasted and confused as to what had happened. I had to leave the gas station I was trying to load gas at with less than 10 miles in my tank ... I call Wells Fargo and they just give me the run around with no real help. Not to mention they removed the 57,000+ points I had Go Far Rewards account that I EARNED..Wells Fargo has proven time and time again that they are scumbags who deceive and undercut customers.. Both my credit cards have ALWAYS been paid IN FULL. XXXX I even paid too much by accident once ... and this is how my kindness and professionalism is repaid?! It is good to know that Wells Fargo doesn't appreciate customers that pay in full and would rather egg on the customer who is having trouble to pay his bills in full, so they can charge them an exorbitant amount of interest ...

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