vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed my account and have not given me any reason why, I have been researching online and seeing that chase does this often. I am assuming it is because i have recently received my retroactive payments from unemployment. They marked my account for suspicious activity and told me it was a final notice ; it will be closed. I have a legit unemployment account and I am not sure why they would not at least talk to me to try and clear up the situation. They told me that the account will be closed after 10 days and the money will be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I just logged on to my XXXX  Credit File and noticed a few Inquiries that I do not recognize and would like removed. FCRA states I have the right to proper credit reporting. 

Here are the following inquiries that need to be removed ... 

XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CITI CARDS CBNA Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I just logged on to my XXXX  Credit File and noticed a few Inquiries that I do not recognize and would like removed. FCRA states I have the right to proper credit reporting. 

Here are the following inquiries that need to be removed ... 

XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX BK OF AMER Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I did an online application to open a checking account with BMO Harris, after I completed my application they requested a copy of my light or gas bill showing proof of address which can be with in 60 days. I sent my light bill over that I just received and has a XX/XX/XXXX date. They tell me they cant open my account because my bill is past due. Which for one it isnt. So I stated you requested my light bill for proof of address not how I pay my bill. I believe that is unfair service. I have another account and was never turned down because of how I pay my bill.

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 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2020 an inquiry by XXXX  XXXX showed up on my credit report they said there is no application on my part for a credit card but they say they cant take it off to call equifax and they can fix it i did that and to no avail they had me call them back and XXXX  XXXX cant fix it because they said its equifax error so i went back and forth several times and was told by equifax that i need to file with ftc so here i am, i have had a XXXX  XXXX card for years and dont need another.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Prospect Financial Group, Inc
State: CA

Complaint narrative:
AFTER REPEATED COMPLIANCE TO REQUESTS FOR FINANCIAL INFO - NO RESPONSE. NOT SURE WHY INFO IS REQUESTED - TAKING HOURS - AND FOLLOW UP EMAIL INQUIRES, CONTINUES NO REPONSE. 

MULTIPLE DATES OVER ONE MONTH.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: Partners Financial Services Inc
State: GA

Complaint narrative:
" Partners Financial Collections '' ( XXXX XXXX XXXX, XXXX, Mo.XXXX ) on XX/XX/16 unfairly placed on my XXXX  credit report a collection acct. and this company does not have license to operate in Georgia!! They bought this inaccurate, unvalidated, unverified and fraudulent collections acct. # XXXX from another company that also does not have license to operate in Georgia , " XXXX XXXX XXXX '' .. This company entity does not exist and I have never done business with this company!! This acct # XXXX is not my acct..If anyone takes 5 minutes and searches GA.Secretary of State business search website site page, you will find neither one of these companies have license to operate a business in GA!! There was a company called " XXXX XXXX '' but that company lost their license to operate on XX/XX/16 because of financial fraud crimes and '' ironically '' not paying their bills with the state of GA., but they still illegally operated without a license on XX/XX/16 and with wreckless disregard they sold an inaccurate, unverified, and fraudulent collections acct. # XXXX to " Partners Financial Collection '' who also didn't have GA. license to operate either!! Apparently they didn't investigate each other before they both broke the law 4 years ago and destroyed my credit and my life with a fraudulent {$10000.00} collection acct. # XXXX!!! and this fraudulent acct # XXXX is still on my XXXX  credit report!! I have disputed this inaccurate fraudulent acct. with XXXX  and showed them written proof but they have intentionally and maliciously refused to remove this painful, fraudulent, and inaccurate acct # XXXX off of my XXXX  credit report.. Please help me ... Thank you in advance for your thoughtful consideration..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was doing my home loan with Select Portfolio Servicing , Inc. ( SPS ) starting XX/XX/XXXX. 

On XX/XX/XXXX, we paid up the remaining principle and closed our account. However, an autopay was triggered during our closing period on the beginning of XXXX, therefore we overpaid the amount of the loan, we are expecting a refund check of {$4500.00} from SPS. 

We have been waiting for the refund check being mailed to us since XXXX, and called SPS several times. With the COVID-19 pandemic strike, SPS told us on XX/XX/XXXX that the check was delayed due to the pandemic, and assured us that they will send the check ASAP. On XX/XX/XXXX, I called SPS again, and they claimed that the check was sent, but probably missing in mail. They will void the previous check, re-issue a new check, and send it over. 

However, when I called SPS on XX/XX/XXXX, I was told by a customer representative, that according to their cashier 's record, the previous refund check was mailed to me on XX/XX/XXXX, and cashed on XX/XX/XXXX. I did not receive the check, nor did any of my family members. 

After my push to investigate, SPS has been working on an internal investigation about the check, but they refuse to re-issue a check to me because they claimed my account was closed and paid in full. I have escalated the issue several times with SPS customer service department, which provided no help at all, and also to the ombudsman department, which keeps delaying the research they promised to do. 

On XX/XX/XXXX, I have finally see the copy of the cashed check from SPS, but it is clear that someone else endorsed that check and cashed it out. I have submitted a police report as suggested by SPS. 

I have submitted an Affidavit of Unauthorized Endorsement or Altered Items with SPS, and let them forward to XXXX, because SPS is banking with XXXX. SPS told me that the investigation could last several more months. 

To me, I did not receive the fund I was owed from SPS, their records contradicts with themselves at several points, from when the check was issued and sent, to how they would be able to re-issue my refund, and the process has been delayed for so long to investigate what is wrong with their own system. I can not tell if this is an insider misconduct, but from the beginning to the end I did not have my hands on the check that was supposed to be issued to me. SPS and XXXX may have sent the fund to unauthorized party, but it should not be the reason for my loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc.
State: WI

Complaint narrative:
Was checking my credit and saw a collection from Blakely and Witt associates saying that I owe XXXX to them and original creditor is XXXX XXXX XXXX  XXXX. I do not know who that company is. However I do know who the XXXX XXXX XXXX XXXX is. I lived there for 1 month. So I do not know how they came up with this figure, and 2nd I do not have a balance with both companies. So I would like for this inaccurate, Inflated charge to be removed from my credit. It shows up on all 3 reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/2020 an inquiry by capital one showed up on my credit report they said there is no application on my part for a credit card but they say they cant take it off to call XXXX  and they can fix it i did that and to no avail they had me call them back and capital one cant fix it because they said its XXXX  error so i went back and forth several times and was told by XXXX  that i need to file with ftc so here i am, i have had a capital one card for years and dont need another.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I reserved a hotel and when I arrived the room was dirty. I did not stay and my credit card was billed. I immediately disputed with my credit card XXXX  and recover credit from them XX/XX/XXXX. I never heard anything more. On XX/XX/XXXX the credit was reversed. I have not received any reason for the reversal it just showed up in my account. I contacted the bank and they said it was in prearbitration and visa sided with the merchant. I was not given a chance to respond the merchant. I never stayed at the hotel. I told the bank it was not authorized and they said their was nothing they can do about it. I would like to receive my credit back. It was just rebilled to my account and no I explanation just out of no where. The rebill put my account in the negative. They also rebilled my account more than 90 days after the investigation began.

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 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My husband and I have reached out to Equifax several times to correct the issue. My husband and I are both currently in a chapter XXXX bankruptcy. XXXX  and XXXX  are both reporting the bankruptcy as active and filed. Equifax is reporting the bankruptcy as dismissed. My husband and I have even had the assistance of a Credif repair agent attempt to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: IL

Complaint narrative:
I sent a dispute to Equifax on XX/XX/2020. By us post office mail not via email. It's been three and half months and they have not replied. 

I disputed an account under the name of XXXX XXXX  XXXX # XXXX. I attempted to get my report online and they don't allow me access online either. So they are not sending me a report by mail to check the results of my dispute and they are not allowing me to get my report online

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I started a cashout refinance option with Rocket Mortgage in XX/XX/2020 and during the process I was told that I needed an appraisal. So, Rocket Mortgage gave me the contact information for an appraisal. The appraisal information was sent to Rocket Mortgage and I was approved to proceed from XXXX XXXX with XXXX. The initial estimate for the appraisal was {$500.00} and I paid {$500.00} to Rocket Mortgage in XX/XX/2020. When I reviewed my paperwork, I saw the appraisal fee had been included in my loan amount for Services. I brought this to my loan officer 's attention to say I've already paid this so this should not be on there. He agreed and they included a {$500.00} credit to offset this fee. When I received my closing paperwork, on the day of closing, the appraisal fee was now {$710.00}. The closing attorney said to call the mortgage company the next day and I contacted my loan officer and he said there was nothing he could do for me to call customer service. Customer service tells me that the {$500.00} was only an estimate. I spoke to a different person and they said that there was a modification to my appraisal. 
I said, what modification? No one can answer me. Today I spoke to a different person and they tell me that my appraisal was expiring so they need a revision? I guess to make sure the house was still here? No one came back out to the house to do a second visit. And there's a difference between expired and expiring. I feel like I was misled or I'm being ripped off now. For the original charge I was given a chance to accept those charges but not for this modification for what I'm still not sure. It wasn't my fault the closing took forever, but yet they have added this fee into my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Date opened XX/XX/2010 XXXX Credit limit This account was not me so can you please remove this from my credit report XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18 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: SC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these 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 2020-11-18 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: SC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these 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 2020-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I disputed the late payments that are being reported on my credit report on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. The creditor refused to validate and update numerous accounts and continues to report the incorrect information to all three credit bureaus XXXX, XXXX  and XXXX. I was enrolled in XXXX XXXX status during the time that the late payments were being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
account information is not showing up on credit 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 explanation