vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have had an account with Chase Bank for many years now. 
Always in good standing until the Covid-19 crisis. 
Once my account ran into overdraft Chase began to have some personal issue with me and this account. My Stimulus Check was returned for having the wrong routing number although the routing number was provided to me by Chase and was for wire transfers and not direct deposits, this cost me the Stimulus Check as it was returned and then mailed to the wrong address before I could update my file with the IRS. 
Every single deposit made into this account has a hold on it regardless of the source of the check or the amount. As a result Chase has made it impossible for me to function or do business as normal or expected. 
I am forced to have fights with Chase on every deposit and have sited the rules for deposits as per the Attorney General Banking rules for deposits and holds on funds availability to them only to have pathetic excuses and lies told to me before they eventually release my funds as they should have in the first place. The latest issue I was told that the deposit wasn't processed so there was nothing they could do to release the hold although no hold could be placed until the check was processed. ( if it hasn't been processed how could there already be a hold? ) Chase seems to have singled me out and is making my life more difficult at a time when the entire country is suffering with this Covid-19 crisis. They are running me out of XXXX  and in directly into a homeless / poverty position with no regard to the state rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
Date of Incident : XX/XX/2020 I own a condominium in Colorado. A neighbor with the same address but different unit number was applying online for a refinance mortgage with : Amerisave Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX When going through the application process, my neighbor had a screen appear asking if he wanted me and my wife to be part of the loan? The screen also showed our names, address of other property we own out of state and our CREDIT SCORE. 

I feel that his is an unethical business ( possibly illegal ) practice and our personal information should never have been in any way linked into another 's application using whatever data base that they have access to. I have never done business with Amerisave or ever contacted them about a loan. 

On three occasions, I have attempted to contact the company. Twice ( XX/XX/2020 ) I spoke to " customer service '' and had to leave voice messages for people I was transferred to because the live person did not know how to deal with this issue. On the third occasion ( XX/XX/2020 ) I spoke to a person who was going to transfer me to customer service again but told him I have done that and had no reply. Requested he speak to his supervisor to elevate it to a higher authority and requested a call back. As of today, I have not heard anything back from Amerisave.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I did not have a the opportunity to dispute the following account : MIDLAND FUNDING : XXXX. I was unware of debt. Please provide validation of debt and method of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: FL

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: LA

Complaint narrative:
Two months ago, a supposed student loan from 25 years ago showed up on XXXX credit report. I had never even Heart about this loan until that time nor was I in school at that place in 1996. Yesterday, I received a notification from Heartland collection company for this fraudulent collection attempt with no information on the debt. PERIOD! This is a clear violation of the Fait Credit Act. I will be taking legal action against XXXX XXXX XXXX, Heartland, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I'm currently in a bankruptcy it has now been two years. my mortgage was with XXXX XXXX. At the end of XX/XX/2019 they switch me over to PHH mortgage, so I started paying PHH mortgage starting XX/XX/XXXX. Well in XXXX they return my money to me for the month of XXXX. I called and spoke to them and they told me I have to pay them from XX/XX/2019, I told them no that I had XXXX XXXX AND I HAD ALL MY BANK STATEMENT TO SHOW FOR IT for the whole year of 2019. But they will not talk to me nor will they take my money. They keep saying they want there XXXX from last year. That's not right and its not fair. At this point I don't know what to do. I do not know what's going on with my house as of know, all I know is that I will fight for my home. I want to keep my house. All I know is that they will not take any money from me and I'm getting nerves I have my XX/XX/XXXX that lives with me and my XX/XX/XXXX who is going to college. I need advice I hope you can help me. The payoff letter that I have included is not right they have added on more money then what it is supposed to be. If we can not get this straighten out we will go to court. The payoff is only around XXXX not sure where they are getting there figure from. I just would like all this done and over with. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$14000.00} US DEP ED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$5500.00} 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 2020-08-10 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$14000.00} US DEP ED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$5500.00} 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 2020-08-10 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$57.00} XXXX/XXXX XXXX {$700.00} XXXX XXXX CR XXXX {$37000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$540.00} USDOE/XXXX XXXX {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6500.00} XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$330.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$830.00}

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 2020-08-10 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: AR

Complaint narrative:
I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX {$6500.00} XXXX XXXX {$4100.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$830.00}

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello!! 
For the past 3 months, I have contacted all 3 major credit bureaus throughout my break and lunch, to try and have the freeze, block and fraud alerts removed from my personal credit. Unfortunately- I have to force myself to take time to do this- because I am an essential worker. 

I have been told by representatives at the bureaus they have been removed the information However, I tried to obtained financing and I have either been denied because they cant verify my information or I have been told to go back to the bureaus and have the freeze or block removed from my credit. 

Again- we are going on 3 months!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
This complaint is regarding my current Mortgage processing bank Flagstar Bank. The bank charged {$30.00} fees too many times to my account for Payoff statement requests. I called and asked them why so many and they are not able to provide any details except below fax numbers through which it was requested. Flagstar does not know who they sent it to and when I asked more details they are askimg me to XXXX the numbers and find out the details myself. When I tried some of the numbers came back as Unknown. So I checked with Flagstar again and mentioned that as my loan account has been charged {$30.00} for each request I am entitled to know who requested it but Flagstar is not providing me any details about who they sent my information to. Instead of helping me Flagstar is asking me to send a fax to each of the numbers below to indentify who this is. I really need to know who they sent my information to as the total charge for these requests summed up to {$150.00} ( 5 times {$30.00} ). Attached bank staement. 
Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered 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 2020-08-10 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: AR

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. Please remove these items from my report. XXXX XXXX {$510.00} XXXX XXXX   XXXX {$7500.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX {$3800.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
I received a voice mail today from " XXXX '' at First National Bank of Omaha stating he wanted to verify that I applied for a credit card from the bank. I did not. I attempted to call the bank and speak with XXXX but was unable to do so. The phone number that I received the call from was XXXX which is different then any phone number I have found for this bank. Not sure if that helps or not. I have had ID theft problems in the past with someone trying to open accounts using my information. Luckily I have not had one be successful yet. I would like this to go on 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 non-monetary relief
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$57.00} XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$540.00} USDOE/XXXX XXXX {$7000.00}

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 2020-08-10 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$57.00} XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$540.00} USDOE/XXXX XXXX {$7000.00}

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 2020-08-10 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: NJ

Complaint narrative:
XXXX XXXX reporting error of a account over 8 years old removed this account and then after 7 years added it to my credit report. this account was in dispute for 10 months no updated status or response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$10000.00} XXXX XXXX {$100.00} {$21000.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been with Capital One for over 4 years and never received to a credit line increase. I was always told that I would have to request on to go online and sign in into my account to request an increase. I requested a increase in XX/XX/XXXX and was denied showed a credit score back in XX/XX/XXXX. I called and basically was told to retry in 60 days. I then requested another increase in XX/XX/XXXX and was denied. Stated due to account passed do 60 days. When called was told because one of my accounts in XXXX was passed due 60 days. To try in XXXX and to keep paying on time as you are doing. While on my account paying my Capital One bill I applied for a card and was denied then I requested an credit line increase and was denied. The credit card said I would receive something in 7-10 days. I received an email regarding the credit line increase to check my account under documents. When I checked the reason it stated I was denied for credit line increase was due to ( TO MANY CREDIT INQUIRIES ). I have 6 inquiries on my credit report 4 from Capital One, 2 regarding my daughter 's school loans. When I called again today on XX/XX/XXXX spoke with a supervisor and was told nothing I can do it is what it is. That he has credit card and its hard for him to get an increase. That's as a customer I don't want to hear and is not pertaining to the call is about. I have tried to call and I sent in a letter regarding my issue and from the phone call basically never had my question answered from the letter basically told me to go online and gave the procedures. As a customer trying to do business with Capital One is not pleasant experience. And the customer service tells you anything to get you off the phone and will transfer to any department to pass you along to someone else.

Company response to consumer: Closed with explanation