vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, I signed a rental agreement for a house at XXXX XXXX XXXX in XXXX XXXX for the months of XXXX + XX/XX/2020 in the amount of {$5700.00}. I made the payment for two months rent and {$1000.00} deposit per the rental agreement over the course of three days via the Chase Online Banking system using the Chase Quickpay/XXXX option on XX/XX/XXXX for {$2000.00}, XX/XX/XXXX for {$2000.00}, and XX/XX/XXXX for {$1700.00}. I sent the money through the Chase website to XXXX XXXX using a phone number that was given to me. On XX/XX/XXXX, I received a receipt from " XXXX XXXX. '' On XX/XX/XXXX, I received an email asking for an additional {$1400.00}. This peaked my suspicion which led me to realize the house in the ad is not the same house at that address. On XX/XX/XXXX, I sent an email explaining I no longer wanted the rental and requested a refund. On XX/XX/XXXX, I received a text saying a refund would be processed that day. I did not hear back until Tuesday with a text asking if I had a credit card. I still have no received a refund. I called XXXX to explain I've been scammed. The representative did not seem to care and simply told me there was nothing they could do. I went to the bank in person yesterday. I was given more sympathy and care, but a claim for the wrong transaction was filed I received a message last night saying " As we discussed and agreed, no action will be taken. '' I made a transaction through my secure banking portal ( or so I thought ) with zero knowledge that " Chase Quick Pay by XXXX '' was not protected/secured OR an outside service. I did not sign into XXXX. I signed onto chase.com. I used this payment method with confidence thinking it was a service provided by Chase Online Banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
I applied for forbearance with My loan care LLC due Covid-19 and got approved for the period starting on XX/XX/2020 to XX/XX/2020, on XXXX of XXXX, the mortgage bank reported the bureaus company that I have a delinquency which is completely wrong bcs Im still under the forbearance. I contacted the bank three times and the problem not been fixed so far. That delinquency report dropped my credit score 85 points for both of me and my wife.

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 2020-06-10 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: GA

Complaint narrative:
There are several accounts and personal information reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX - Open XXXX Bal. {$130.00} ( I was never 30 days late ) XXXX - Opened XXXX Bal. {$22000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$4700.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$1800.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$2600.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8300.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8600.00} ( I was never 120 days late )  XXXX - Opened XXXX Bal. {$23000.00} ( I was never 120 days late ) The following accounts is a result of identity theft : UNKNOWN - Opened XXXX ( Equifax ) UNKNOWN - Opened XXXX ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: GA

Complaint narrative:
There are several accounts and personal information reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX ( Experian ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX - Open XXXX Bal. {$130.00} ( I was never 30 days late ) XXXX - Opened XXXX Bal. {$22000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$4700.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$1800.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$2600.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8300.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8600.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$23000.00} ( I was never 120 days late ) The following accounts is a result of identity theft : UNKNOWN - Opened XXXX ( XXXX  ) UNKNOWN - Opened 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 2020-06-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: GA

Complaint narrative:
My personal information on my Experian credit report is inaccurate. This is my second request to have incorrect addresses and names corrected on my report. This is a violation of my consumer protection rights.

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 2020-06-10 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 call TransUnion several times to request that they remove several inquires that is on my credit profile I would like these applications removed I have already sent them my photo ID and ftc report on file I HAVE FRAUDULENT APPLICATION ON MY CREDIT PROFILE 1XXXX XXXX  XX/XX/XXXX 2.XXXX  XXXX   XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX  XXXX XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX  XXXX XXXX 8.XXXX  XXXX XX/XX/XXXX 9.XXXX  XXXX XX/XX/XXXX 10. 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 2020-06-10 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2020-06-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2020-06-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA Confirmation Settlement Letter dated XX/XX/XXXX Re : USAA credit card ending XXXX SETTLED XX/XX/XXXX, XXXX see attactched USAA XX/XX/XXXX MC XXXX {$100.00} DUE. My private secure data from the XXXX OPENED THIS ACCOUNT XX/XX/XXXX. XXXX  & XXXX  RELY ON INACCURATE CREDIT REPORTING FROM THE CREDITOR USAA. *** I DID NOT OPEN ACCOUNT. **** CRAs REFUSE TO VERIFY THE DRS LICENSE & SIGNATURE. USED TO OPEN ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I paid my XX/XX/XXXX mortgage on XX/XX/XXXX before the 30 day late cutoff. 
XXXX XXXX XXXX  didn't process the payment for 3 days and reported me 30+ days late to my credit report. 
I was NOT 30 days late and have the receipt to prove it. 
I contested this with XXXX XXXX twice and they refused to rectify this for me. 
I was told, verbally, by XXXX XXXX that they would not admit this error and would not change this reporting. 
He also told me that I could go to the reporting agencies and use my proof to get this changed. 
I filed disputes with all three of the agencies and received a finalization notice from Experian today ( XX/XX/XXXX ) stating that XXXX XXXX would yet again NOT accept this even though I submitted my proof.

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 2020-06-10 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: GA

Complaint narrative:
I attempted to do a temporary lift on my credit freeze with Experian and was unable to complete my request online. When I tried to contact their customer service no matter what option I selected it brought me to a pre-recorded message and then disconnected the call. I could not get to a live person. There is no online chat option. There is no online contact form. There is no way for consumers to get in contact with a representative of this company which is ridiculous for a credit bureau. A credit freeze needs to be managed in real time and they do not provide this. Frankly, I'm not sure how they are even allowed to be a credit bureau.

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 2020-06-10 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/2020, I applied for a new credit card with Wells Fargo under my name. We got the new credit card ( along with the letter ) in the mail a couple weeks later, but it was missing the envelope. It felt like someone had taken it out of the envelope, taken note of the credit card number/expiration date/etc., and just put it back in our mailbox hoping nobody would notice, and just discarded the envelope. Someone could easily have gotten my credit card number by unfolding the letter, peeling the credit card off the sticky, and putting it back on the sticky spot. 

We called Wells Fargo and told them what happened, and they cancelled the card and expedited us a new one, overnight delivery. The new card was in an overnight delivery ( large ) envelope that requires ripping open in order to get to it ( very secure ) ; however, the envelope housing the credit card letter was not sealed at all. But we figured that was okay because the unsealed envelope was in another larger, sealed envelope. 

We filed a complaint with the United States Postal Service and they launched an investigation to see if maybe the mail deliverer opened the mail to get the credit card info and then just discarded the envelope. The investigation came back negative ; they don't know for sure, but nobody else had this issue on our postal route, so it was unlikely that the carrier had anything to do with it. 

However, we got the rest of the letter in the mail today, XX/XX/2020. It was in a " FOUND LOOSE IN MAILS XXXX  SECTION '' in XXXX XXXX XXXX, UT post office. 

My assumption is that Wells Fargo 's envelope-sealing was not working for these few days, or something. But this leads to privacy issues, and I'm sure I'm not the only one.

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 2020-06-10 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: TN

Complaint narrative:
AS IM HAVE STATED MANY TIMES ME AND MY SON HAVE THE SAME NAME THEY MAY HAVE MISTAKENLY USED MY NAME INSTEAD OF HIS WHICH THIS MESS HAS MESSED UP MY GOOD NAME

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 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020 and XX/XX/2020, I authorized XXXX XXXX & XXXX to charge my debit card for a coffee table, in two transactions of {$75.00} and {$74.00}. 

Because of the COVID19 issues, delivery of the item didn't happen until XX/XX/2020. When it arrived, it came damaged, and unable to be put together. 

I was finally able to speak to a live representative on XX/XX/2020, and was told that the company is no longer in business, and that I needed to file a claim through my bank. 

Bank of America stated to me that because the two transactions happened in early 2020, I am over my " courtesy time frame '' to file a claim, and therefore it would get denied. I explained to them that although I authorized the charges in XXXX and XXXX of 2020, the item itself didn't arrive until XXXX of 2020. 

They refused to file the claim, and told me that I needed to file a complaint with the CFPB an " try '' to get my money 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 monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
A Method of Verification letter was mailed certified to Experian XX/XX/2020 requesting them to verify the inaccurate bankruptcy they have listed in my credit report. The letter was delivered to Experian on XX/XX/2020. They replied and said verified without providing me their method of verification as I requested. I mailed a 2nd certified letter to Experian XX/XX/2020 requesting them to delete the inaccurate bankruptcy and have not received a response. Experian has not provided me any information on who or how this inaccurate bankruptcy was verified to be my record.

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 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
In XXXX I contacted you about recasting my loan with a payment on {$10000.00}. It was approved so I sent you {$100000.00} as agreed. Effective date being XX/XX/2020. 
I never received document downloads to sign until XXXX. 


XX/XX/2020 I sent in notarized documents and {$150.00} to XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2020 I inquired if my loan had been recast as my statement did not reflect the amount agreed upon. 
In response you said documents had been received but sent to another department. You lost them but are trying to find them. 

XXXX XXXX I again inquired if my loan had been recast as my statement did not reflect it. In response you apologized saying you are working on it. 
Giving excuses that everyone is working at home and unsure when you would find the lost documents. You suggested I sent in a copy of documents. 
So I did. I again sent in documents to XXXX XXXX XXXX XXXX NJ XXXX Since sending in documents the second time I have not heard back from you. I have sent several emails and have tried to call in but you are not accepting calls. 

I received back my {$150.00} check uncashed so I know you received my documents, the first set. I don't know if you received the second copy of documents. 

I have seen many email requests but have been ignored. 

XX/XX/XXXX I called in and was told no one in who could help me. I was told someone would call me back by a person XXXX. no one did Sent more emails no response. 

XX/XX/XXXX transferred around until I was again told a supervisor would call me back since none was in by XXXX. No one called me. 

sent more emails no response XX/XX/XXXX Called in again and was told a supervisor would call me. No one did. 

sent more emails no response I have sent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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:
XXXX  Credit Monitoring notified me of XXXX XXXX XXXX incorrectly reporting a {$700.00} collection account when I have never even heard of XXXX XXXX XXXX. I have never received a single phone call or a single letter from XXXX XXXX XXXX. This, of course, is in direct violation of the FCRA. 

XXXX XXXX XXXX reports XXXX  as the original creditor to XXXX. This is entirely FALSE. I have never once been late with my XXXX  account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XXXX/XXXX/20. 

Either I am a victim of IDENTITY THEFT or XXXX XXXX XXXX is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that XXXX  provided for XXXX XXXX XXXX  and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX  and certainly there is {$0.00} due to XXXX XXXX XXXX, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TN

Complaint narrative:
AS IM HAVE STATED MANY TIMES ME AND MY SON HAVE THE SAME NAME THEY MAY HAVE MISTAKENLY USED MY NAME INSTEAD OF HIS WHICH THIS MESS HAS MESSED UP MY GOOD NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TN

Complaint narrative:
AS IM HAVE STATED MANY TIMES ME AND MY SON HAVE THE SAME NAME THEY MAY HAVE MISTAKENLY USED MY NAME INSTEAD OF HIS WHICH THIS MESS HAS MESSED UP MY GOOD NAME

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