vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I purchased a new XXXX XXXX in XXXX of XXXX. I obtained a loan from XXXX XXXX XXXX/JP Morgan Chase Bank to purchased the car. In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX repurchased the car from me through the assistance of the Washington Attorney General. My XXXX XXXX XXXX representative was XXXX XXXX, Senior Customer Service Representative. Her telephone number is ( XXXX ) XXXX-XXXX. 

On XX/XX/XXXX, XXXX and I executed the documents necessary to transfer the car/title/etc. from me back to XXXX of XXXX. They issued me a check for my portion of the proceeds of the sale. XXXX of XXXX immediately sent a check for the full balance of the Chase Loan ( over {$36000.00} ). The XXXX certified mail tracking number was XXXX. 

On XX/XX/XXXX, the XXXX certified-mailed check was received and signed for by XXXX XXXX/Chase. They promptly lost the check and did not post the funds to my loan account. 

I next called and talked to a supervisor and mounted an escalation. I waited 10 days for the escalation to run its course. When I finally called on XX/XX/XXXX, the XXXX XXXX/Chase supervisor told me that a letter had been generated to me indicating my loan was paid in full, despite the fact that the automated and online systems were indicating the loan was now past due. 

Later that day a XXXX XXXX/Chase supervisor called me back to tell me that the payoff letter was generated in error, the loan was not paid off, the loan was past due, and they needed proof of funds from the check. I explained I never had the check and therefore could not provide the information they were requesting. 

So now the check is still lost, I have a letter from XXXX XXXX/Chase telling me my loan is paid off, XXXX XXXX/Chase has indicated the letter is an error. Nobody can explain how a payoff letter was ever generated in the first letter if payment for the car had not yet been received. And, I've already signed over my car and title. 

XXXX XXXX XXXX XXXX XXXX paid XXXX XXXX/Chase for my car. XXXX XXXX/Chase promptly lost the payment. XXXX XXXX/Chase then issued me a paid in full letter in error. Now XXXX XXXX/Chase is demanding I provide them proof of funds when I never had the check. The check is lost. The car is gone. And I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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 DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-08-15 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 DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
To CFPB, My name is XXXX XXXX, I have asked lakeview mortgage to close my FHA case number because I was going with a different mortgage company that gave me a better rate and I felt more comfortable with. They have told me that it was done but it has not been completed.I am not able to close because they have a file still open with the FHA. I have contacted lakeview as well as the mortgage company that I am going with has contacted them, to ask them to close the file, as well as give them the steps to close the file number so I can close on my mortgage. They have not done so and it has been over 3 weeks now. 
I have spoken to XXXX XXXX the mortgage loan originator his contact number is XXXX or XXXX NMLS # XXXX / Company NMLS # XXXX. I have also contacted the Loan processor XXXX XXXX XXXX XXXX XXXX , XXXX on Behalf of Lakeview Loan servicing her number is XXXX. 
This has cost me over {$2000.00}. I have sent emails and phone calls still to no avail. Lake view is telling me that they have cancelled it but when my mortgage company goes to check the FHA file is still not closed that lake view has pulled with the FHA. I feel as though they are playing with my finances and my credit by not closing the file they had pulled with the FHA after numerous calls and emails and a form of retaliation because I chose a different mortgage company to do my streamline refinance. 
please help me to get this resolved. I hope they are not doing this to other people. 
this is costing me time, money and energy that is unnecessary. 
if you have further questions do not hesitate to call me. 
Thanks, 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 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I find the Experian is very uncooperative with regards to security freezes. I am trying to temporarily lift my security freeze but their website will not allow me to do this online despite my verification of my personal information including the fact that I am providing the PIN they gave me when I signed up for the freeze. I was able to lift my freeze last XXXX but for some reason their website will no longer allow this. 

I see no reason why Experian will not allow me to temporarily lift my freeze online when I am able to verify all of my information. The telephone number they provide for support simply gives instructs to mail a letter which is not acceptable. 

Because they are holding my credit XXXX I am loosing out on my ability to refinance my mortgage at a lower interest rate.

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 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/19 I called synchrony bank to pay off my credit card in full and close it out. I was trying to pay off the amount of XXXX. But the woman I was talking to some how entered the amount of {$550.00}. I did not authorize the payment and they processed it. I was then told because I did authorize the XXXX payment that I did authorize the {$550.00} payment and there is nothing I can do they cant change it and I cant pay another payment until the next business day. I was on the phone 40mins trying to figure out how they where going to fix there mistake and they basically said there is nothing they can do to fix the problem. 
I went straight to my bank and had the {$550.00} payment flagged and now get to wait 10 days u till I can go back to my bank and schedule another payment because this company made a mistake. 
I do plain on paying this card off in full I have already closed the account with them and I just want it known that they did process a payment that I did in no way authorize. 

My name is XXXX XXXX I can be reached at XXXX or XXXX Thank you for your time. My main concern is what if she hit XXXX would I just have to deal with that too?

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 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My complaint is against Transunion credit bureau. Back in XX/XX/XXXX I sent them a letter regarding the following account : XXXX XXXX Bank Account # XXXX, open : XX/XX/2012, status closed with {$0.00} balance. The letter was to indicate the credit bureau that the mentioned account was fraud related. I also sent them a Federal Trade Commission Report indicating what had happened. So the removed the mentioned account and suddenly when I checked my reports I saw that they re-inserted the fraudulent account. I want Transunion Credit Bureau to remove the mentioned account as soon as possible like they had done, due to fraudulent activity. Im attaching the 2 reports, one without account and the other with the account back. Im also attaching letter I sent them back on XXXX with FTC report. PLEASE REMOVE ACCOUNT, IM A VICTIM OF FRAUD.

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 2019-08-15 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: IL

Complaint narrative:
I've tried to settle this matter several times before to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 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: IL

Complaint narrative:
I've tried to settle this matter several times before to no avail.

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 2019-08-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My ex husband, XXXX XXXX XXXX and I divorced in XX/XX/XXXX. Subsequent to our formal divorce, Wells Fargo Equity allowed my ex husband to obtain a home equity loan in the amount of {$24000.00} on XX/XX/XXXX, well after our divorce. I had no knowledge of this loan being obtained and I did not give consent to having this home equity loan taken out. I spoke with Wells Fargo and they will not work with me. I happened to come across finding out about the loan when I decided to sign up for on-line banking through Wells Fargo in XX/XX/XXXX. In the intern ( XX/XX/XXXX ), Mr. XXXX XXXX had paper statements sent to his address where he resides with his current wife, XXXX XXXX, so that I would not see the loan statements. On the statement it states, that I live at XXXX XXXX XXXX, XXXX XXXX, Ma. I have never resided at that address. Also, after the loan was taken out, in XX/XX/XXXX, I legally obtained my Maiden name XXXX through the Social Security Office and the name on the statement, states XXXX XXXX. This home equity loan was taken out completely fraudulently and without my knowledge, consent or signature. As, Wells Fargo stated to me that my " signature was not required '' and the debt is " mutually yours. '' If a loan is going to be taken out, incurring mutual debt, then both signatures should be required to sign for the loan and give consent. I ask that my name be removed with Wells Fargo, removing this as my liability and that appropriate action is taken. Wells Fargo should have been responsible for questioning the address change as Mr. XXXX XXXX explained that we were divorced and changed his address on the documents. Wells Fargo needs to be held responsible and accountable for their oversight and need to diligently remove my name from any of this existing liability of the home equity loan that was granted to Mr. XXXX XXXX on XX/XX/XXXX, and my official divorce was XX/XX/XXXX. Wells Fargo has dismissed my numerous complaints that I have filed.

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 2019-08-15 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi XXXX, the issuer of my Citi credit card, failed to resolve an overcharge on my credit card placed there by a merchant with whom overcharged for a service provided. Prior to the transaction date, XX/XX/2019, I called the merchant and they gave me a quote for some car repair work. That amount would have totaled about {$50.00} with tax included, so I dropped off my car overnight on the XXXX. When I went to pick-up the car, the bill was $ XXXX. I said, " you quoted me {$50.00}. '' They basically said either pay the bill or we will keep your car. So, I paid the bill, and contacted Citi about the overcharge. Citi decided that " bait-and-switch '' was legal, I do not think it is.

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 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express cut my credit limit in half due to low monthly expenses on XX/XX/2019. Im frugal and spend about {$200.00} a month on the card. They cut my limit from {$15000.00} to {$7500.00}. This increased my credit utilization ratio. They did NOT inform me of this change. When I called they said I could no longer change it. I went on the website on my own to raise it as high as I can. I got it to {$11000.00} but would like to bring it back to {$15000.00}. They refused to reinstate it. I havent made a late payment in 16 years! They seem like they just want to force people to pay interest so they can make money. I am leaving the company as soon as I get my replacement card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Contacted Capital One and spoke to a supervisor, due to the continuous misinformation provided by reps of Capital One. I was told that there is no limit on the amount of credit cards that a Capital One consumer may have. I recently submitted and application for a 4th credit card and was told that I was declined for having too many Capital One credit cards. I have spoken to XXXX XXXX before with the executive office of Capital One, in which the customer service is still HORRIBLE. I have submitted recent complaints against Capital One to the CFPB and have not been given phone calls? Are they required to verbally contact a customer when a complaint is submitted to the CFPB? This is the WORST company to do business with, in which most are malady are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Ok I will make this simple as possible. I have a chapter XXXX discharged in XX/XX/2017 my Mortgage was included, since I am keeping the home my current payments are considered voluntary payments. In the bankruptcy law states the company can no longer report this account to any credit reporting agencies. However I have been battling with my Mortgage company Shellpoint Mortgage, XXXX, XXXX  to remove it from my file. However they will not, this violates the automatic stay. Either way I would not mind so much being on my report if it were reporting every month and correctly. I have been calling emailing every month for them to update it or it will not be updated by law these companies are supposed to keep accurate information and here I am doing their jobs for them. My balance is also incorrect hurting my score further. My current balance I will show proof, as I will show proof as what they are reporting and you can see all the gaps this is crazy I should be able to sue both parties for not keeping accurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank is reporting that I am an authorized user on a credit card that I have nothing to do with. I called them to discuss the issue and and file a dispute directly with them, but their customer service agent stated that I couldn't dispute the issue with them because I didn't have the full account number or the primary account holder 's social security number. I am not able to provide the information since I have no relation to the account. When I asked to speak with a supervisor, the agent hung up on me. Citi is making it impossible for me to file a dispute directly with them as the creditor and reporter of inaccurate information.

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 2019-08-15 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:
My child was personal information have been report to a credit bureau, this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The below credit check happened on my account but I did not ever contact this bank nor did i apply for a care credit. 

I contacted the bank and they couldn't find application under my name and social Date on report : XX/XX/2019 Institution Information Syncb XXXX, FL 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 non-monetary relief