vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We received from Chase Bank a new Debit Card. When I looked at the information they sent it showed a checking number as well. It was oped in my wife 's name, XXXX XXXX. We called Chase Bank to inquire who opened the account and they could not tell us. We talked to their fraud department they closed the account and placed a fraud alert on the account. We then went to our XXXX XXXX, Illinois police department to to file a police report. We then notified XXXX ( we have accounts with them XXXX. Then we called the XXXX to report it to the credit reporting companies. 

Today we received another debit card from XXXX. We called them to inquire on who opened the account. All they did was verify the account had been established. We explained to them that we did not open the account. Again the account was opened in XXXX XXXX name. The bank closed the account since she did not open it. They instructed us to contact the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity bank allows their users to lock their cards. On XX/XX/2020 I locked my card and stopped any all recurring payments.On XX/XX/2020 I was charged {$34.00} and XX/XX/2020 I was charged {$64.00}. I had trust that Comenity 's system worked, so I did not know about these unauthorized charges until XX/XX/2020 when Comenity sent me an email stating that a technical issue unlocked my card. 
I confirmed that my card was unlocked and used. I reported this information to Comenity TWICE. Twice they opened a case for me and twice they have decided that they were not at fault. 
In retaliation, it seems like my credit limit was lowered to a limit of {$750.00}, even through I just paid off {$1000.00} on XX/XX/2020 and have never had a late payment with Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK

Complaint narrative:
XX/XX/XXXX. We paid off our mortgage with Rushmore Loan Management Services , LLC on XX/XX/XXXX. The payoff amount for the loan was {$4500.00} according to Rushmore 's documentation ; however, as of this writing we have only received a check for {$950.00} dated XX/XX/XXXX. The discrepancy appears to be ( mainly ) related to property taxes. Our XXXX taxes were paid off by our new lender on XX/XX/XXXX. Then, Rushmore sent XXXX taxes to our county on XX/XX/XXXX, three weeks after the loan was closed. The county claims that the excessive taxes would have been returned immediately. I have contacted the tax department at Rushmore several times without any success. Each time I am told that I can expect resolution in approximately three weeks and that I can not speak with a supervisor/manager. It has now been three months since the loan closed and Rushmore hasn't made any attempt to return our {$3600.00} or give me an update on the status of our inquiries. Thank you kindly for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had noticed fraudulent charges in XX/XX/XXXX, related to the CA EDD fraud that has inflicted the system both on XXXX and BoA sides. XXXX then requested BoA to freeze several accounts due to the fraudulent actors in order to verify the ID of benefit recipients. 

In XX/XX/XXXX my ID had finally been verified by XXXX. I had contacted BoA for the status on my account and they had instructed me to call back to XXXX, and provided me with no other information. I've called both XXXX and confirmed with my state senator 's office that my ID has been verified and all actions need to be with BoA. I have relayed this to BoA as well, and submitted furthermore unfreeze requests with BoA, the last being in XX/XX/XXXX. After speaking with several representatives, I had then learned about the unfreeze requests and I'm told to wait an uncertain amount of time for the requests to process. It has been approximately 3 months since my first request. 

Each and every further call I am told to wait and only call back to verify the status of my account, or receive a letter in the mail. Due to this issue with no timeframe and deadline, I have been forced into financial strains with no foreseeable resolution due to BoA 's inaction or insufficient service, believed to be contracted by the state of CA. BoA claims to have increased capacity to help assist with these issues but XXXX has processed requests faster than BoA.

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 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
A non profit Alliance helped us to submit the Loan Modification Application to Rushmore Loan Management Services and our application was denied and all the given reasons were not correct or true. So I submitted a response to their letter of denial and pointed out the every 6 items of their reason were totally wrong. In addition the current mortgage statements are totally wrong also because it showed we are 3 months behind when in fact they acknowledged and accepted they received the mortgage payments except for XX/XX/2019 which I am investigating why I missed said loan payment. I am suspecting XXXX XXXX Staff were involved in this issue. 

From the foregoing it is apparent Rushmore is more focused and directed to foreclose the property since we received a lot of notices about the intent to foreclose the property. Most of the time we received two notices in a month. I complained above this issues but Rushmore just ignore my complaints though they told me that they will correct it. Todate the issues remained on the same condition. Even many emails were exchanged and many phones call made the situation remained the same. 

From the progress and development of the issues Rushmore is trying to established and justify their future actions that is to foreclose the property

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: AR

Complaint narrative:
XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of XXXX. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. 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 2021-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
Just after purchasing a new home, I needed funds for expenses. I received a pre-approved loan offer in the mail from AF247. It promised flexible repayment terms. It has been nothing more than a nightmare since receiving the loan. The biweekly payments are {$700.00}. Yes, {$1400.00} per month. I am not able to make the payments any longer. I have tried to repay the loan and when large payments are made on the loan, nothing is going toward the principal balance. It's all interest, interest, interest!!! 
On XX/XX/XXXX I refinanced the loan to a total of balance of {$2500.00}. On XX/XX/XXXX, I paid {$1500.00}. On XX/XX/XXXX, I paid {$1500.00}. On XX/XX/XXXX, I paid {$300.00}. I have paid a total of {$3300.00} and todays balance is more than I originally borrowed. The balance as of today is {$2700.00}. I do not have the ability to continue making payments on this loan. 
Please provide legal assistance to stop collection efforts from going any further. I don't think this lender is approved for TX or an ethical lender. They should be stopped from any further lending transactions at this rate of interest. 
Just after making the loan, I tried to cancel within three days. I was told the cancellation did not apply to TX residents. There are so many different company names and addresses on the their documents, you really don't know who to contact???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I emailed Coinbase, as they have no way of contacting them by phone, which I find unfair, and strange. 

I need them to fix this problem for me ASAP. 

I used to have an old account with the company, which I've since deleted. 

I now have a new account that I use. 

However, I need access to the XXXX file of all of transactions that took place on the old account emailed to me. Or, a merge of both accounts so that all transactions become accessible on the new account I use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: U.S. BANCORP
State: SD

Complaint narrative:
My husband XXXX and I are in the process of getting a mortgage for a home. The credit report came back with one derogatory account under me. ELAN Financial Services was the creditor for the XXXX XXXX  credit card account. I had a checking, savings, and credit card through XXXX XXXX. I closed them out via phone call in XX/XX/XXXX. However, according to Elan Fin Svc, the credit card was still opened and charged on XXXX XXXX by XXXX plus late fees and interest since the checking account was closed. The remaining balance was paid off after realizing the error on XXXX XX/XX/XXXX and the credit card account was closed as well. This error was due to XXXX XXXX  failing to close out the credit card account when asked to close all accounts in my name, and neglected to inform me that it was still open. My credit score then tanked and we were out close to {$200.00} on something originally only {$25.00}.

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 non-monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On XX/XX/XXXX I entered into a sales contract with LazBoy Furniture Galleries located at XXXX XXXX XXXX in XXXX, AL.As required, I paid a {$4500.00} deposit. 

My furniture was delivered on XX/XX/XXXX. I became aware of a discrepancy in billing when I received my first statement from Synchrony Bank on XX/XX/XXXX. Later in the day, I contacted Synchrony and filed a dispute. 

On XX/XX/XXXX, I contacted both the local store and the credit card company via fax and provided them with copies of the attached documents. 

Later in the day, the store manger contacted me and stated that he disagreed with my complaint. 
As of today, neither the local store nor Synchrony has resolved my dispute.

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 2021-03-08 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX id number Im sending more information on this account..XXXX  send me a Dispute update on this account which was reported XXXX information in the historical account Section is in accurate and false information..I asked them to send me contracts between me and his company also the payments amount in the balance and date of last payment is faults.. I want this account removed from my report, This false information is hurting me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MS

Complaint narrative:
Commonwealth Financial Systems Inc. is reporting an outstanding collections account in the amount of {$1000.00} on my credit reports. Not only do I not owe this amount in medical debt, after researching, I found that this company is violating Texas ' Licensing Requirements. I have attached a screenshot of the company 's license info that I've retrieved from the Texas Secretary of State Debt Collector Search. I would like this debt removed from all of my credit reports with all three credit bureaus immediately. I would also like to be updated on this process. This debt is not only a violation, it should not be on my credit report. On the date of service, I was covered medically under XXXX XXXX ( XXXX  Military Insurance ) insurance and I provided this information at this time. XXXX was never billed by the provider. This is a provider error and has wrongfully been placed in collections. The date of service has reached 7 years and is too old to be on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2021 I informed the credit bureaus of wrong information on my credit report Such as collections inquiries derogatory marks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: VA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

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 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX we began the process of refinancing our mortgage with out current lender, Chase. On XX/XX/XXXX we entered a formal agreement with Chase to refinance our mortgage loan. We were told our loan was approved on this date and provided all the documentation required on that date or in a timely manner soon after. On XX/XX/XXXX were notified that everything was approved and that a notary would be contacting us soon to do our final signing. After a period of time passed where we heard nothing we followed up and were notified that Chase now needed additional documentation from our HOA. The documentation they are requiring is not detailed anywhere in the disclosures or agreements we entered into. They are refusing to finalize our loan, providing us no remedy, and lying to us about requirements. They are acting in bad faith of the agreement we entered and are in breach of our contract. We have been following up with them regularly - every day or two.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: FL

Complaint narrative:
I have requested items on my credit report be validated because there is information on my credit report that is inaccurate, there is identity theft. My credit report by law should have 100 % accurate and verified information and right now it does not. I'm asking these items to validate or remove from my credit report, which is the law. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Broward Adjustment Services
State: FL

Complaint narrative:
HI ; this is HIPPA violation? XXXX tests, etc??? Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation