vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Used online banking to cut a personal check. Meaning the bank cuts a physical check and mails it USPS. They are withdrawing the money from my account the day they cut the check. Not the day its cashed. 

Thats illegal. If that person receiving the check doesnt want to cash it or the check doesnt even reach attended party. Why should Chase earn interest on the monies while that money sits frozen pending apposed to the owner me. This is Chase Banks online banking practice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have used XXXX  like credit and have paid them off many times. I did not realize every time I used money it was like a new loan so I have like 20 XXXX XXXX on my credit reports They are all paid in full

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 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I made a purchase on XX/XX/XXXX to XXXX XXXX, I paid for a authentication service and encasing for a collectable, received my item back from XXXX ONLY to find out that it was not encased and was not given a grade, I disputed the charge on XX/XX/XXXX and submitted photos to my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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.
State: MD

Complaint narrative:
I have XXXX XXXX  XXXX and Private insurance insurance thru XXXX on my mothers policy however XXXX XXXX is reporting a medical bill in the amount of {$610.00} pastdue. The Date Updated was done on XX/XX/XXXX just because I called and asked about the account. The Last payment made was listed as Last Payment XXXX XX/XX/XXXX however they claim the account was opened on XX/XX/XXXX which means that this account was opened after the last payment was made which makes no sense. Also, the are listing the High Balance of {$440.00} but the past due amount of {$620.00}. XXXX XXXX has placed this item on all 3 of my credit reports and refuse to remove the account even though they never attempted to bill my insurance company. 

Original Creditor XXXX XXXX Past Due {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I already reached out to the credit bureaus and to Fifth Third Bank, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I previously had a credit card with Navy Federal Credit Union. I was attempting to pay the account off. Upon speaking to the teller. I was informed the account was no longer with Navy Federal it was sold to a collection agency. Yet Navy Federal continues to report a unpaid balance on my credit report. Both them and the collection agency is reporting on my credit report which in turn is causing hardship in obtaining a Home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
My home burned down in the XXXX XXXX fire in XXXX XXXX Colorado on XX/XX/2020. I have my loan through Quicken Loans # XXXX. They sent me a letter saying that they were going to place a " lender placed '' insurance policy on my property if I did not provide the claims settlement letter from XXXX XXXX at a cost of over {$10000.00}. XXXX XXXX finally sent me the settlement letter just shy of six months from the date of loss. I asked XXXX to accept some other form of proof or even call the XXXX XXXX XXXX. They would not accept anything but the settlement letter. Now I have submitted the letter and reconstruction estimate through several portals that they have and they do not find it. This is beyond frustrating. I have several concerns : Quicken Loans should not be able to put or sell insurance on a property that is not there. I believe it is incumbent on them to do reasonable due diligence on their own to determine if the home is a total loss ( contact the authorities, the HOA, disaster officials. The fact that my home burned down is a well know fact in the county ( along with about 300 others ). They have raised my payment from {$2000.00} to over {$4300.00}. This is beyond unconscionable. 

Quicken should listen to what people are saying instead of following corporate protocol. This is very simply common sense. They should be able to fix this issue in one day. 

I think the CFPB should take action against companies that have these heartless and insensitive tactics. If this isn't illegal, it certainly should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I contacted the credit bureaus via mail, online dispute and phone, as well as the creditor. The information provided by XXXX XXXX XXXX is incorrect, and has not been updated in over 18-months, it should be removed immediately as it has negative affect on my credit and I have been trying to resolve for over a year now.

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 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XX/XX/XXXX XXXX i was pre-qualified for a American Express Platinum card. I proceeded to apply as instructed. They ran my credit and it came back as XXXX Fico. Well above the acceptable range. I was given a " well contact you when we have a decision email '' On XX/XX/XXXX i was given a decline on the application. I inquired as to why and the customer service rep said my income was too low as reported by the IRS ... .She said my Income from XXXX was only XXXX ... .When in fact it was XXXX. i pushed back and told her that's incorrect and they must have pulled the wrong year or made a mistake somehow. 

I have attached to this complaint a copy of my XXXX IRS return transcripts as provided to me by the IRS. 

This is very worrying that American Express is practicing such bad and unethical ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
XX/XX/2021 I show 7 payments for my mortgage coming out of my bank account following 7 reversals. I believe they took my funds to collect interest and returned the funds they took from my bank account! I did not authorize these payments so they did not have permission to take my money out of my account and use it to make it more money for themselves to pay their stock issues! Not okay I authorize one monthly payment online once a month when I make a mania payment every month! This is not okay they violated my bank account to benefit themselves!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: TN

Complaint narrative:
In XXXX of 2019 ford changed their online payment center and didn't notify me. This caused my payment to be submitted late due to me traveling abroad. I was never late prior to after and would not have been late if ford had not done with or notified me I would have to set up my payment in the new account. I would like this 30 day mark removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service
State: MI

Complaint narrative:
First I have never had a magazine subscription in my life, so when I got this phone call and this guy started threatening me I got pretty snappy. This dude XXXX XXXX XXXX XXXX XXXX XXXX had tons of my personal information, my last 4, full name, previous addresses and email, but a bunch of bogus info that I didn't recognize too, addresses I have never lived at, emails that weren't mine but used my name. He says he is gon na call me back tomorrow and he wants me to settle a debt for this alleged magazine subscription, I never had, from 2014! Well I am a mouthy guys so I really worked this guy up, got him upset and got him to start making threats. Now he alleges that this company " XXXX XXXX XXXX '' made a verbal contract with me over the phone but refuses to provide any proof of it, he says they have a recording of my voice agreeing to a magazine subscription, and that I either have to settle the debt with him for {$280.00}, or be sued for {$2000.00}. Because he had so much of my info I thought someone was using my information ; but when I got home I started looking and I found this ... XXXX XXXX XXXX That link shows 43 complaints with the XXXX and many of them are far better worded and explain in better detail what is going on. Oh and this XXXX XXXX XXXX That link is to XXXX XXXX XXXX , it is not able to be located by the XXXX it is not a real company and it is definitely linked to the Southwest Mediation Service that XXXX is working for. XXXX XXXX XXXX XXXX is a XXXX XXXX that is issuing exorbitant fake debt and then attempting to settle that debt for less through the Southwest Mediation Service out of Nevada under threat of a suit that sounds very similar to a SLAPP suit. and guess where XXXX XXXX XXXX are??? Georgia! Because of course Georgia, because that is where XXXX XXXX reported that these ridiculous law suits are still legally entertained by the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: OH

Complaint narrative:
Please update all of my personal information on XXXX, Transunion, and XXXX. 

My only XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX, OH XXXX There may be individuals that have the same information as mine. Creditors may have entered my name name and address incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not be on my 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 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
XXXX XXXX XXXX applied for a mortgage through this company called ( land and home financial services inc, XXXX XXXX XXXXXXXX XXXX tx XXXX loan number XXXX. XXXX was married in XXXX XXXX XXXX XX/XX/2016 this mortgage company approved his mortgage as a single man while he was legally married. Any further information please contact me on XXXX and I will assist with any documentation you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have XXXX XXXX XXXX and Private insurance insurance thru XXXX on my mothers policy however XXXX XXXX is reporting a medical bill in the amount of {$610.00} pastdue. The Date Updated was done on XX/XX/XXXX just because I called and asked about the account. The Last payment made was listed as Last Payment Made XX/XX/XXXX however they claim the account was opened on XX/XX/XXXX which means that this account was opened after the last payment was made which makes no sense. Also, the are listing the High Balance of {$440.00} but the past due amount of {$620.00}. XXXX XXXX has placed this item on all 3 of my credit reports and refuse to remove the account even though they never attempted to bill my insurance company. 

Original Creditor XXXX XXXX Past Due {$620.00}

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 2021-04-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have XXXX XXXX  XXXX and Private insurance insurance thru XXXX on my mothers policy however XXXX XXXX  is reporting a medical bill in the amount of {$610.00} pastdue. The Date Updated was done on XX/XX/XXXX just because I called and asked about the account. The Last payment made was listed as Last Payment XXXX XX/XX/XXXX however they claim the account was opened on XX/XX/XXXX which means that this account was opened after the last payment was made which makes no sense. Also, the are listing the High Balance of {$440.00} but the past due amount of {$620.00}. XXXX XXXX has placed this item on all 3 of my credit reports and refuse to remove the account even though they never attempted to bill my insurance company.

Original Creditor XXXX XXXX Past Due {$620.00}

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 2021-04-27 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: Pennsylvania Auto Credit, Inc.
State: PA

Complaint narrative:
I contacted the credit bureaus via mail, online dispute and phone, as well as the creditor. The information provided by Pennsylvania Auto Credit is incorrect, and has not been updated in over 18-months, it should be removed immediately as it has negative affect on my credit and I have been trying to resolve for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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.
State: PA

Complaint narrative:
I contacted the credit bureaus via mail, online dispute and phone, as well as the creditor. The information provided by XXXX XXXX XXXX is incorrect, and has not been updated in over 18-months, it should be removed immediately as it has negative affect on my credit and I have been trying to resolve for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank Delaware has been furnishing my account information to credit reporting agencies on an account that my father was the primary account holder and I was only an authorized user. My father passed away in XX/XX/XXXX and the account was closed in XX/XX/XXXX after I notified them that my father had passed while trying to have myself removed as an authorized user. Because the account became delinquent in the aftermath of my father 's passing, my credit report has been negatively affected since I am still listed as an authorized user despite the fact that I am not legally liable to pay the debt that my father accumulated. I have called Barclays several times to be removed as an authorized user and they tell me their Customer Service can't remove me from an account that is already closed. I sent a formal dispute to FCRA Credit Bureau Disputes, twice, and have received two letters from them, the most recent dated XX/XX/XXXX saying that the information they are reporting is accurate and that if I would like to be removed as an authorized user to call their Customer Service at ( XXXX ) XXXX. When I call this number Customer Service says they can't remove me from the account because it's closed, then they connect me to XX/XX/XXXX, who told me they also can't remove me from a closed account. I don't know what to do at this point, I keep getting the run around and just want to be removed as an authorized user on this now delinquent / closed account so it doesn't continue to negatively impact 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 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: VA

Complaint narrative:
Have been emailed on XX/XX/21, XX/XX/21, XX/XX/21 to collect a debt that my father owes. They keep message me as if I am my father XXXX XXXX. TrueAccord account number is XXXX. The company is TrueAccord at XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. And they say it's for a XXXX account ending in XXXX. They also refer to an XXXX XXXX XXXX in the email too. Plus when I called to resolve this situation with their company I was hung up on and had my phone number blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
Please provide a copy of my signature with the provider of service to release my medical information to you per HIPPA Law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously had a credit card with XXXX XXXX XXXX XXXX. I was attempting to pay the account off. Upon speaking to the teller. I was informed the account was no longer with XXXX XXXX it was sold to a collection agency. Yet XXXX XXXX continues to report a unpaid balance on my credit report. Both them and the collection agency is reporting on my credit report which in turn is causing hardship in obtaining a Home loan.

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 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously had a credit card with XXXX XXXX XXXX XXXX. I was attempting to pay the account off. Upon speaking to the teller. I was informed the account was no longer with XXXX XXXX it was sold to a collection agency. Yet XXXX XXXX continues to report a unpaid balance on my credit report. Both them and the collection agency is reporting on my credit report which in turn is causing hardship in obtaining a Home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I previously had a credit card with XXXX XXXX XXXX XXXX. I was attempting to pay the account off. Upon speaking to the teller. I was informed the account was no longer with XXXX XXXX it was sold to a collection agency. Yet XXXX XXXX continues to report a unpaid balance on my credit report. Both them and the collection agency is reporting on my credit report which in turn is causing hardship in obtaining a Home loan.

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