vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made online purchases from XXXX and they send defected products. When I call XXXX to have these products returned for a refund the XXXX representatives tells me to dispute the charges with my Financial Institution. My Bank is Chase and when I contact Chase to dispute the charges Chase gives me a hard time and sides with XXXX and denies my claim. 

I'm filing a charge against XXXX and Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
THIS IS THE THIRD COMPLAINT AGAINST AMERICAN EXPRESS FOR CALLING ME CONTINUALLY ABOUT A DEBT I DO NOT OWE. THE NUMBER THAT CALLS ME IS ( XXXX ) XXXX. AFTER I RECEIVED CONFIRMATION THAT THE CALLS WOULD STOP FROM THE COMPANY, I RECEIVED YET ANOTHER CALL TODAY XX/XX/2021. THEY KEEP ASKING FOR XXXX. I AM NOT XXXX. I DO NOT DO BUSINESS WITH AMERICAN EXPRESS AND I NEVER HAVE AND NEVER WILL. THEY THREATEN LEGAL ACTION AGAINST ME AFTER I CLEARLY STATE THAT I AM NOT XXXX AND OWE THEM NOTHING. I WANT THIS NONSENSE TO CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: TN

Complaint narrative:
On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am complaining these accounts that I found really questionable in my credit file. There are a lot of missing information and also I have no transaction with the reporting collection company or agency. This is really getting out of hand and I am trying my best to build a positive credit file. I need your help with these accounts please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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:
These accounts are not mine and have never been mine. I do not recognize the items, I am victim of identity theft. I am very stressed out because I do not know what I can do in order to remove them from my credit profile. Its killing my financial side. Please remove them ASAP

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 2021-06-29 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:
These accounts are not mine and have never been mine. I do not recognize the items, I am victim of identity theft. I am very stressed out because I do not know what I can do in order to remove them from my credit profile. Its killing my financial side. Please remove them ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NFM, INC
State: FL

Complaint narrative:
Contacted NFM mortgage on XX/XX/XXXX regarding an error with the property taxes on an annual escrow analysis. The mortgage servicer representative was unable to explain on how an annual property figure of {$5400.00} was obtained? The mortgage was closed on XX/XX/XXXX with the XXXX annual taxes of {$4000.00} from the XXXX property tax bill. The representative was unable to explain why NFM mortgage did not research and obtain the XXXX property tax bill from the XXXX county property assessor for the annual escrow analysis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 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: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/XXXX XXXX : Credit Card used for purchases in the amount of {$110.00} at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ). 

XX/XX/XXXX XXXX : Account frozen and reported to Discover using the phone application ( business office ). Charges removed pending investigation. 


XX/XX/XXXX XXXX : Credit Card used for purchases in the amount of {$69.00} at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ). Card was denied due to account being frozen. 

XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. 

XX/XX/XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. 

XX/XX/XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. 

XX/XX/XXXX : Account reflected {$110.00} reapplied to my account. Discover investigation showed that payments made to the account ( had balance on the account prior to this ), it was in a local area, and that I did not report until XX/XX/XXXX. Have messages of reporting dispute on XX/XX/XXXX, but Discover says it doesn't count because it was to the business office. Police Report filed, and spoke to XXXX which showed evidence that I did not make these purchases. Discover says they do not have to honor the {$50.00} liability because it is up to the company. 

Police Report through XXXX Police Department Forgery Department XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I contacted the mortgage company concerning my balance. They sent me a hard copy of payments and balance. I disagreed and asked questions, where I was told to hold on so that they could transfer me to different people. My husband an I purchased this home, XX/XX/1997. We did refinance 3 times and we also filed for bankruptcy. During that period of bankruptcy, we continued to make our monthly payments and we have never been late on our payment even until now. While reading my credit report, I see that we have a balance of more than XXXX. When we purchased our first and only home, the home coated, XXXX. This is our 24th year in our home and have made regular payments every month. We now owe more on our home than what it is worth, and to factor in that we never missed a payment throughout the process of home ownership, except during the time of going through the refinancing process. Our dream is to own our home as we have entered into our senior age. At this age and time we will never own our home and after all the sacrifice we've put into this home, it will never belong to me and my husband. My husband and myself are now XXXX but we still continue to be responsible and manage our everyday living. We would love for someone to look into this matter. Please feel free to contact us, ( if needed ) for additional information. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian account was hacked into. I have called Experian numerous times with no option of a live operator. Experian also does not encrypt or censor personal information. 

My personal email was changed by the hacker and for the last month I have been locked out of my Experian account with no option of freezing my account. My Experian account has been completely taken over by someone else.

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 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc.
State: ID

Complaint narrative:
Received a collection letter for a debt I had never been billed for. It has the wrong account number on the notification letter and I couldn't verify with the debt with the original company. I called the clinic and they had never sent me a bill for this debt because they had the wrong address on file for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
We paid {$2000.00} on our Capital One credit card on XX/XX/XXXX. The money cleared our bank and shows as credited to our account by Capital One. They are refusing to release those funds to our available credit until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: MN

Complaint narrative:
Some one used my information to open account

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 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I am trying to buy a condo for the sale price of 215,000. I applied for a mortgage with Quicken-loans/Rocket mortgage. I was pre-approved for a 30 year fixed with 30 % downpayment. My conditions to meet the pre-approval are that I have excellent credit, little to no debt and 200,000 in liquid equity. I am a XXXX XXXX  1099 employee of an industry destroyed by COVID conditions XXXX XXXX XXXX. Ultimately, i would use my XXXX income from a XXXX that was finalized this past year. It is my understanding that the decision to use XXXX as income would be valid, if i could prove consistency via a written/agreement or 6 months payment or credit worthiness of my payor. I provided XXXX decree, bank statements and checks. I had a special situation in the last 6 months of payments and provided documentation. I have been receiving check payments delivered via USPS. Much of my mail within the last 2 months has been returned to sender undeliverable. I have and documented communication filing a complaint with the USPS. Their answer to the complaint is that due to COVID, they are understaffed. I also provided documentation from My ex-husbands bank account that the checks were issued and returned to sender via USPS. My income without XXXX  is based on unemployment in 2020 and as a 1099 employee of a growing business that doubled in income for 3 previous years. The alternative suggested to this is that I take on a cosigner like my father or brother. At some point this decision was reviewed and made to not lend me XXXX  without having my brother of father co-sign. I do realize that if I was still married my husband could equally own my property and cosign a mortgage loan with me. I do not believe that I am being fairly considered for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SLM CORPORATION
State: MD

Complaint narrative:
I have a Sallie Mae credit card. I am in a debt collection program. The credit card company is calling my parents ( who are not on my credit card ) trying to locate me. This is inappropriate to reach out to family members who are not on my credit application. When I confronted the Sallie Mae representative, they replied " We wanted to make you respond ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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:
disputed with the three credit bureaus and transunion and experian have yet to remove these items i do not have a account with them nor do i owe them anything. I have been disputing for months. I have listed the accounts below Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX balance : {$4200.00} Identity Theft XXXX XXXX XXXX Account Number : XXXX balance : {$170.00}

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 2021-06-29 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: Chime Financial Inc
State: NY

Complaint narrative:
I have a chime credit builder account that is a prepaid card. I have to place money on the account before I can spend said money. The money I place is supposed to act as my credit limit and I am unable to spend more then I have placed. Chime reported in XX/XX/2021 to XXXX that I owe {$180.00} which is impossible due to the fact that if I try to spend more than I have already paid it will decline. After disputing with them and the credit bureau several times I moved all of the money I had left on the card to my other account with them and have not used this card since. They say they report monthly but never updated in XXXX and are still telling me the balance showing on my credit report is correct even though I have been at XXXX since the beginning of XXXX. Due to how they are reporting this, it is negatively affecting my credit score despite the fact that they advertise their card will increase your score exponentially. I would like my credit report updated to reflect the correct balance of XXXX and their practices reviewed for how they report PREPAID cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX has made additional credit cards and even changed ny mail and made false business in my identity and forged checks they have used wells Fargo student loans and many more. None of the prepaid XXXX XXXX wells Fargo, XXXX, XXXX cards are mines there are multiple other online accounts mobile wallet accounts in my name and social that all needs to be turned off.her and XXXX XXXX are scaming and in an credit card ring. Using multiple identify and she XXXX XXXX is an XXXX XXXX XXXX who has been transparency screens to fool you and the system. I want every card turned off and investigated. 
XXXX XXXX XXXX, XXXX, I am not in school and do not have an XXXX number. I also have been living under XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX since XXXX my apartment currently address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX. Please investigate every transaction and atm withdrawal and ach transaction. Please send findings to Detective XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, 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 monetary relief
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In 2019 I reported fraud on the account to the credit company. The company did nothing, the fraud continued and all the money was take by a dating agency. I stopped using the card, but it was still being charged by the dating agency. I called the credit card company because of the fraud they didn't do any thing but allowed the fraud to continue. I cancled the credit card and I currently do not have an active card on this account. However, I am stilling charged and paying late fees because of a monthly charge on a inactive credit card account. I have told them I don't have an active card on the account but I am still being charged for a card and it's ruining/distorying my credit. Please help. 

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 2021-06-29 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:
These accounts are not mine and have never been mine. I do not recognize the items, I am victim of identity theft. I am very stressed out because I do not know what I can do in order to remove them from my credit profile. Its killing my financial side. Please remove them ASAP

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 2021-06-29 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: NY

Complaint narrative:
I have a XXXX credit builder account that is a prepaid card. I have to place money on the account before I can spend said money. The money I place is supposed to act as my credit limit and I am unable to spend more then I have placed. XXXX reported in XX/XX/2021 to transunion that I owe {$180.00} which is impossible due to the fact that if I try to spend more than I have already paid it will decline. After disputing with them and the credit bureau several times I moved all of the money I had left on the card to my other account with them and have not used this card since. They say they report monthly but never updated in XXXX and are still telling me the balance showing on my credit report is correct even though I have been at XXXX since the beginning of XXXX. Due to how they are reporting this, it is negatively affecting my credit score despite the fact that they advertise their card will increase your score exponentially. I would like my credit report updated to reflect the correct balance of XXXX and their practices reviewed for how they report PREPAID cards.

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 2021-06-29 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I am writing to report Suntrust Bank. I had taken out an auto loan several years ago with suntrust bank in which I ended up having to do a settlement amount that was paid in full last year. The document that suntrust has given me states that I fully paid the settlement on XX/XX/2021. Since then I have been calling suntrust and all credit bureaus to get this updated, however, my credit reports are still showing missed payments for each month and an owed amount. When I call the credit bureaus they tell me that suntrust is reporting that I have never paid, however, when I call suntrust they tell me that they have been trying to get in contact with the credit bureau to let them know I have paid and even pretended to open a dispute on my behalf. When I call a few weeks later after being told time and time again by the credit bureaus that suntrust is still reporting every week that I have not paid, the are unaware of any dispute ever being open and just keep lying. I have been tirelessly trying to get this removed for over seven months and have been constantly lied to and manipulated into thinking it would be resolved only to see that month after month nothing has changed and Suntrust is still reporting that I owe each month to all of the bureaus. I am being affecting in every aspect of my life with the misinformation on my score. I would like to report suntrust bank for bad business practices and for lying continuously. Thank you

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