vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My complaint is against Chase Auto Finance, I filed an complaint with CFPB on XXXX XXXX, 2020. The reason I filed an complaint against Chase Auto Finance, I paid my truck note on XXXX XXXX, 2020 over the phone, I normally pay it online. I explained to the representative I didn't want my account to go over 30 days, the representative was unsure when my 30 days was due, so he told me it was best that I pay it now. The representative asked how did I want to pay my truck note and did I have account with Chase and I said yes, he asked did I want to use my checking account and I said yes, he read out the account number to me, and asked is that your checking account number, I said yes because that's the only account I have with Chase. After a couple days my payment never process, I call almost everyday until someone told me it was the wrong account number, an account that I close years ago. A Mr. XXXX from chase called and said he was investigating my complaint and he tells me the representative was right for giving me the wrong account number. Mr. XXXX knew that I have never been 30 days late, he knew the representative had given me the wrong account number, so he sabotage the investigation. Mr. XXXX refuse to let me hear the recording and continue to pretend he don't know my address to send me the report. I will file a civil suit against Mr. XXXX and Chase Bank for sabotaging the investigation and damaging my credit report and cause me deep XXXX, and I also my home loan because of this, my payment record was 100 % on all my bills until Mr. XXXX sabotage the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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:
SOMEONE HAS TOOK MY INFORMATION AND OPEN UP SEVERAL ACCOUNTS WITHOIT MY PERMISSION WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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:
SOMEONE HAS TOOK MY INFORMATION AND OPEN UP SEVERAL ACCOUNTS WITHOIT MY PERMISSION WITHOUT MY CONSENT

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 2020-04-16 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: MS

Complaint narrative:
Not my accounts or inquires reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: MS

Complaint narrative:
Not my accounts or inquires reporting

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 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I dispute this item ; XXXX XXXX on my credit reporting and the credit bureaus failed to verify this debt. I sent in my request months ago and never received a response. Ive been disputing this item that comes back as verified which is an error. I made the initial contact and was never contacted about this debt. When I contact TransUnion the agent tells me that this has been verified and when I asked about a written verification the agent claimed that I have received it which I have not once. My claim was received on XX/XX/XXXX confirmed by an agent via telephone and I have yet to get a written verification from this company

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 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX and actually this is about chase retaliating Agaisnt me and closing my checking account from me complaining to the cfpb about the issue I had with chase and XXXX   XXXX  and chase had to refund my account so they closed it saying too many wierd refund transactions now they have put le in deep financial despair by doing that and my stimulus economic payment has been sent and I cant get it because they closed my XXXX  account. I just had a baby and very stressed out and this just put it way over. I will be seeking monetary restitution payments against chase for all the extreme XXXX XXXX and XXXX that they have been putting me through And also while I was XXXX  that was the worst and now. I called chase and asked why did they do that and I was given the XXXX  answer about the transactions and that there wasn't anything they could do and if anything was to go to that account they would mail it to me. I dont have time to wait when I should have had it now. Chase really needs to be brought forward on lawsuits for alot of undercut practices they do and how they treat their customers wrong and disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a membership with Experian credit service but can't get on the site I call and a tech advised me the press Ctrl & Shift & Delete and my computer crashed he tried for two hours never fixed the problem I called another company that repaired my computer but still I can not get on experian site I sent experian thee emails with no solutions I want to get what I pay for every month I have been with experian for over 10yrs I know how to work the site I feel they should honor their product

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 2020-04-16 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: TX

Complaint narrative:
I've contacted Experian in regards to this XXXX XXXX Account, they are reporting inaccurate account pay history information reporting I am late, I spoke with XXXX at XXXX XXXX XXXX  and assured me it was not their error but XXXX XXXX XXXX, I forwarded a correspondence to Experian over 30 days ago and have not received a response.

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 2020-04-16 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Purchase from - XXXX XX/XX/XXXX for XX/XX/XXXX flights. 
Purchase price - {$1500.00}. 
Flights cancelled - XX/XX/XXXX due to virus. 
Refund promised by XXXX on - XX/XX/XXXX. 
Date of dispute - XX/XX/XXXX. 
Dispute amount - {$1500.00}. 
Dispute case ID - XXXX. 
Today 's date - XX/XX/XXXX. 

Dispute filed 9 days ago. To date, I have received no response, no follow up. I called the company and they told me it could take up to 4 months to process. 4 months. They failed to respond to internal messages. Finding a way to file the online dispute took days. They only recently implemented an online filing system. But I still had to fax my documents to them. 

I get the virus has slowed things down but Barclays, aside from their severely out of date system is taking advantage of this with ridiculous wait times and lack of response. This has been the worst experience I have ever encountered with a business.

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 2020-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I took out this loan in XX/XX/XXXX for {$1500.00}. I have been drafted biweekly since for about {$150.00}. I called today, XX/XX/XXXX around XXXX XXXX est, and inquired why are they still taking auto payments? I feel that I've paid more than what I borrowed. The agent, name unknown, but it was a female, says I missed 8 payments and they are charging me daily interest. She said repeatedly I only owe 3 more payments. I asked that they discontinue auto pay and move their expectation of payment on XXXX. She says she did as I requested and an email would come to me confirming. I asked her to note my account that I would pay the {$340.00} she stated I still owed by XX/XX/XXXX. She then explained I needed to call before paying because of daily interest. In her previous explanation she said interest was charged because I missed payments. So now at this point in the convo, I am confused, if you moved the payment for XXXX and I pay balance owed by XX/XX/XXXX, why would I need to call for a new balance? That is when I expressed to her I am confused and begin asking close ended questions to ensure I was getting all the information. She was adamant in adding on narratives to simple yes or no questions. I kept saying if I owe 3 more payments and you would have drafted them biweekly thru XXXX, why would I need to call for balance? Then she said she told me I owed {$340.00} " as of today. '' Our whole convo was basis some tricky wording and this agent was intent on allowing me to remain confused about how to pay this off and be done. I truly feel her intent was to deceive me, and when I did not accept and hang up, she begin talking over me. She started speaking when I was speaking and I continued speaking and she then egregiously accused me of over talking her and hung up on me. I am speechless at her behavior and I find it abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-04-16 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had a property loss regarding my home due to lightning  and subsequent fire. After receiving the check from my insurance company I sent the check for {$460000.00} to USBank after obtaining a signature from my wife and the secondary lender on the home. The check was received on XX/XX/2020 as I have the tracking from XXXX regarding overnight delivery. 

Going back the lender provided me with a list of items that would be required to start receiving funds for repairs to my home. Those items were completed by me prior to the check being sent. There was clarification needed on XX/XX/2020 for some of the documents which my contractor and I provided and were told this would be enough to satisfy the requirements to release funds. However after no funds were released I called again on XX/XX/2020 to discuss. I was told that a form which even the person who worked for the bank said she had never heard of and a floor plan. I asked why this was required and was told " because the amount sent to us is more than you owe ''. After calling my contractor the person was reassuring in the fact that the insurance estimate with drawings would be enough for this. However after no call back on XX/XX/2020 I again reached out to them. They then said this was not good enough and that they must have a floor plan to " gauge the square footage ''. Again not a requirement in the initial letter. I attempted to satisfy this requirement by uploading a picture of the floorplan from our initial plans. However the person told me that she couldn't access their own system of electronic uploads and I would need to fax if I wanted a resolution. 
I have spent well over 3 hours on the phone trying to talk with a supervisor about this problem and have been met with multiple excuses of why I can not speak with a supervisor. I have even told them I would hold until one is ready to speak with me. However I have been hung up on and disconnected two times and still no resolution. This is keeping me from rebuilding my home that my family is displaced from. I need a resolution ASAP to get funding to start rebuilding.

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 2020-04-16 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: TX

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX  XXXX {$7600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX   XXXX {$300.00}

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 2020-04-16 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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX   XXXX {$300.00}

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 2020-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
The issue I'm having is getting Navient to release my cosigner after 14 years of repayment and over 2 years of consecutive on time monthly payments and meeting their criteria they refuse to release my cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: CA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
This is a complaint regarding wire fraud and mail fraud on the part of the mortgage servicer Amerihome/XXXX. It is a complaint for wrongful foreclosure actions and false and defamatory credit reporting by Amerihome. It is also a complaint for failure to follow HUD guidance and provide the requested 12 months of forebearance that is provided under XX/XX/XXXX HUD Guidance HUD No. 20-048 on the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) which President Trump signed into law on XX/XX/XXXX. 

Amerihome has failed to properly apply electronic payments to my account since XX/XX/XXXX Amerihome has failed to apply mailed payments to my account, including holding and not cashing more than {$5600.00} in payment checks. 

Amerihome has failed to grant me one year of forebearance on principal and interest with the payments being added interest free to the end of the loan.

Amerihome has failed to correct the derogatory information they have reported about me.

Amerihome has failed to make restitution for wrongfully moving to foreclose.

Wire and mail fraud complaints have been filed with the appropriate agencies in addition to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: MA

Complaint narrative:
XXXX  removed 3 accounts from my credit report, I would also like for transunion to do the same since the accounts were proven not to be mine. XXXX  did an investigation and the result came back with a removal of the accounts.

The three accounts are : XXXX/XXXX  INCLUDED IN CHAPTER XXXX BANKRUPTCY. 

XXXX XXXX XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY XXXX/XXXX  INCLUDED IN CHAPTER XXXX BANKRUPTCY All three of these accounts were removed by XXXX  from my credit report. Please investigate and remove the accounts.

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 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: PA

Complaint narrative:
I dispute this item ; Tek Collect on my credit reporting and the credit bureaus failed to verify this debt. I sent in my request months ago and never received a response. Ive been disputing this item that comes back as verified which is an error. I made the initial contact and was never contacted about this debt. When I contact XXXX  the agent tells me that this has been verified and when I asked about a written verification the agent claimed that I have received it which I have not once. My claim was received on XX/XX/XXXX confirmed by an agent via telephone and I have yet to get a written verification from this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experience refuses to stop sending me emails I have unsubscribed 6 times they refuse saying This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian CreditWorks Basic, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book. 
This is a violation of my civil rights. I want these emails stopped and experience be fined for refusing to do so.

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 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Sent certified letters and did not hear anything back

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