vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
We received a letter in the mail from XXXX XXXX XXXX, XXXX/LoanCare dated XX/XX/XXXX. 
It stated that " FHA has recently announced new options for customers ' existing forbearance '', they had listed FHA COVID-19 partial claim and COVID-19 Loan Modification. It stated " These options do not require that you submit documentation for review, but we must speak with you first to begin the review process ''. On  XX/XX/XXXX, we called XXXX XXXX XXXX, XXXX/LoanCare at XXXX, to speak with them to apply, My husband talked to the representative and applied for the FHA COVID-19 Loan Modification, this required no paperwork the representative just needed to ask a set of questions. We answered these with the rep, then the rep said that is all they needed and that it needed to be reviewed by next department and then we would find out if approved  or not. Per the letter, approval of the FHA COVID-19 Loan Modification could take up to 10 days, but could be less. We heard back from no one for a week. We called back XXXX XXXX XXXX, XXXX/LoanCare at XXXX on XX/XX/XXXX. 14 days after it was submitted, this was overdue in the 10 days or less they said it should take. This day they transferred our call to the Loss Mitigation Department. The Representative in the Loss Mitigation Department told us that the notes in her computer say it was started but not completed so she completed it while we were on the phone, and put n a request to Loss Mitigation area that reviews to check our request. Then we heard nothing. Today, XX/XX/XXXX, we called XXXX XXXX XXXX, XXXX/LoanCare at XXXX. Got transferred to the Loss Mitigation Department. The representative that answered said that we have no application started and we needed to file that out and submit paperwork. We told her that we didn't need to do that as we have already been through the steps per the letter and we want to know when the approval is going to be  done. It should have been done 10 days after XX/XX/XXXX, we are now going on 24 days with hearing nothing. The representative was not very professional she got louder and she just kept saying that we need to apply and we have done nothing to try to apply. We asked for a manager ad she would not transfer us. The then hung up on us.

We need this approval to be completed. We did all that we were told to do for the FHA COVID-19 Loan Modification. Our Forbearance is  running out on XX/XX/XXXX. We were forced to extend our Forbearance to cover us for now until the FHA COVID-19 Loan Modification processes.

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 2020-10-13 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: GA

Complaint narrative:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made payment and paid off all my credit cards. I spoke to the company and they assured me everything was good since I had made a payment plan due to covid. After I paid them off without notice they completely took down my credit limit, closed my cards and didnt report the payments to the credit agency. This has caused my credit score to lower a lot and no changes have been made. There action have greatly affected my score and I had spoken to the company and credit agency such as XXXX, etc and I was assured my credit score was fine and my standing with the company was fine and it turns out it was all a lie and now they don't want to help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
This is not a duplicate. The phone number that is being used as my contact information is incorrect and I have no idea where they received that information. My number is XXXX which is on my account with them, on file with the OESC, and is on file with the CFPB. I still have not received an email either. This is my last attempt at an informal resolution.

Previous complaints. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Admin Recovery, LLC
State: AZ

Complaint narrative:
THEY ARE HARASSING MYSELF AND PEOPLE UNRELATED TO AND OLD WIPED OFF DEBT PROTECTED BY THE COURTS AND FCRA ACT. 

THEY USE ILLEGAL TACTICS .... XXXX THEM TO SEE THEIR REPUTATION. THIS BUSINESS NEEDS TO BE SHUT DOWN ASAP
.

THIS IS ONE OF SEVERAL CFPB COMPLAINTS AND NOW THIS WILL BE PUSHED FOR PROSECUTION. MARK MY WORDS

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 2020-10-13 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: FL

Complaint narrative:
the accounts listed do not belong to me someone use my social security number and photo id to open fraudulent accounts in my name as result i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-13 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: FL

Complaint narrative:
I made payment and paid off all my credit cards. I spoke to the company and they assured me everything was good since I had made a payment plan due to covid. After I paid them off without notice they completely took down my credit limit, closed my cards and didnt report the payments to the credit agency. This has caused my credit score to lower a lot and no changes have been made. There action have greatly affected my score and I had spoken to the company and credit agency such as experian, etc and I was assured my credit score was fine and my standing with the company was fine and it turns out it was all a lie and now they don't want to help whatsoever.

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 2020-10-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ). I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to me ( XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this  resolved since XX/XX/XXXX. The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2020-10-13 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ). I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to  me ( XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this resolved since XX/XX/XXXX. The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-10-13 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: FL

Complaint narrative:
I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ). I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to  me ( XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this  resolved since XX/XX/XXXX. The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2020-10-13 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: NC

Complaint narrative:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
ATTENTION TO XXXX XXXX  XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently submitted a previous report in which was disregarded and was not resolved. I submitted all needed documentation along with my personal information. I am asking this account be removed this account from my file as the amount of {$26000.00}. as Well as another account under the same name XXXX XXXX XXXX being reported as the amount of {$9600.00} does not belong to me. BOTH accounts were fraudulently opened through this company XXXX XXXX XXXX XXXX as someone stole my identity in XXXX of XXXX and XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire BOTH ACCOUNTS. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter as this is causing major issues yo my personal file and great financial troubles during this time.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I am trying to unsuccessfully activate the XXXX  issued by Money Network XXXX XXXX, XXXX XXXX Connector XXXX, Mail Stop XXXX, XXXX, GA XXXX. I have lost my hearing so calling XXXX was a problem so I tried the XXXX TTY number multiple times and each time it hung up after 1 min and 43 sec. I sent a letter to the above address, but it was returned as undeliverable. I sent an Email to FISERV who owns the Money Network and they said it was not their problem and to contact the above address. I also sent a letter to the Money Network  XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, but I got no response at all. All I want to do is activate the XXXX # XXXX XXXX XXXX XXXX and transfer the {$1200.00} to my XXXX Checking Account. I created and account on XXXXXXXX, but the Website has no way to activate the card account. I just want the {$1200.00} since I am living on Social Security XXXX due to a XXXX XXXX  so I have no immunity to anything so Covid 19 without hearing is a real problem for me. A actual chek would be fine. Thank you for any help you can provide so i can get my money.  XXXX  and the Money Network is not very good with people with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: GA

Complaint narrative:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: MI

Complaint narrative:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1 ) Citi charged me a {$25.00} late fee on XX/XX/XXXX and a {$29.00} late fee on XX/XX/XXXX. On XX/XX/XXXX I mailed out a letter to Citi formally requesting them to mail me my billing statements and to stop paperless billing. This letter is attached to this complaint. Citi failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees. If Citi disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS,  XXXX, XXXX, or a certified mail receipt. 
____________________________________________________________________________________________________________ 2 ) Citi drastically reduced my credit limit from {$15000.00} to {$300.00} because of this. This negatively affected my credit scores with the 3 major credit bureaus. The available credit is one of the factors used when determining credit scores. I respectfully request that Citi reinstate my higher credit limit or at the very least increase it from the credit limit I am currently at.

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 2020-10-13 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: TX

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
the accounts listed do not belong to me someone use my social security number and photo id to open fraudulent accounts in my name as result i am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX   CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: FL

Complaint narrative:
the accounts listed do not belong to me someone use my social security number and photo id to open fraudulent accounts in my name as result i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MO

Complaint narrative:
This company notified me of a debt owed that it has not validated and/or verified. I sent notice to this company & they have not responded.

Company response to consumer: Closed with explanation