vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION ENGAGED IN REPEATED FRAUD AFTER REPEATED FRAUD HERE ARE LIST FRAUD BY TRANSUNION SUBJECT TO SERVING PENDING FCRA LAW SUIT ( 1 ) WRONG PHONE NUMBER XXXX ( 2 ) WRONG PHONE NUMBER XXXX ( 3 ) WRONG PHONE NUMBE XXXX ( 4 & 5 ) BALANCE OF BOTH BANK OF CREDIT CARDS = XXXX ( 6 ) UNAUTHROIZED INQUIRY INTO CREDIT REPORT BY XXXX XXXXXXXX

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 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My bank has gone into retaliatory actions against my account regarding me contacting cfpb and /or the services of the FDIC XXXX etc. 

A matter settled with an XXXX XXXX XXXX unauthorized transaction back in XXXX, no loss to the bank nor my account -- -their pay request was returned per my request. I did settle the total amount with them on XX/XX/2021. 
In fact the bank cease processing anything on that transaction. 

They seem to want to have me settle with these unauthorized extractions as though I sit home all day and allow things to happen to my account because these establishing predators are seeking to destroy my account funds and prepaid methods already set up. Exception, XXXX XXXX XXXX always has to have a verbal confirmation or same day as bill due confirmation as I do not leave my account information for automatic payments. 
Maybe my bank has decided this XXXX american customer is no longer worthy of banking respect and fair services. (? )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I received your letter on XX/XX/XXXX stating that you, Credit Management , LP will honor my specified remedy by deleting this collection account from all consumer reporting agencies. However, I recently obtained my credit file and let the record reflect notice that you, Credit Management , LP failed to delete this collection account from my credit file. Instead of deleting the negative information off my consumer report, you Credit Management , LP closed the account on XXXX, and add an open account on my XXXX on 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 non-monetary relief
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I moved to XXXX from XXXX, XXXX and came back XXXX, XXXX, XXXX and I starting having calls from MIDLAND CREDIT MANAGEMENT on my new number I got when I returned regarding accounts # XXXX and XXXX in the amounts of {$1200.00} and {$720.00} respectively. I spoke to few their agents about the above accounts, I have no idea about both accounts, besides one of the accounts was opened while I was outside the USA, whilst the second one was open while I was here but the transactions on both accounts has nothing to do with me or my lifestyle as Midland tried to tell me some of the transactions. I tried many times to dispute this matters, no success and they still insisted as a result put some negative remarks on my personal credit report and I am not happy about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: UPGRADE, INC.
State: OH

Complaint narrative:
I have notified this company that this account doesn not belong to me and that my identity have been stolen and this account was opened up fraudulently. They have not updated me with any information and I want this debt to be remove/cancelled as well as my credit report update immediately. I have tried disputing this through the credit bureaus and not satisfing outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: AZ

Complaint narrative:
I sent an Affidavit of Truth to Experian suing for hard inquiries that were on my report. They were never given my written permission to furnish the information and it has caused my reputation and life harm. The letter was received on XX/XX/2021 and the hard inquiries are still on my credit report as of today, XX/XX/2021.

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 2021-12-31 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: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2021 I ordered a TV online from XXXX. My US Bank XXXX XXXX credit card was immediately charged the full amount of {$1600.00} however I never received an order confirmation e-mail and after my purchase the TV was marked as out of stock. On XX/XX/XXXX and XX/XX/XXXX I called the phone number listed on XXXX website to inquire about my order. They use a call center and the call center employee could not tell me anything other than they would forward my request to the merchant. On XX/XX/XXXX I called a final time to tell them to cancel my order and refund me since I never received any communication from the merchant regarding my order. I told the call center that if the merchant did not call me back or refund me I would issue a chargeback which I did on XX/XX/XXXX. No communication was ever received from the merchant and I never received the TV. However, US Bank denied my dispute ( Case Number : XXXX ) because I did not show proof that I never received the TV and because I did not request a refund in writing, despite the fact that the merchant submitted an invoice as part of their reply to my dispute that shows the order was canceled on XX/XX/XXXX. I've spoken to multiple representatives at XXXX XXXX and they keep telling me to submit evidence that I don't have the TV despite me submitting the same evidence that the merchant submitted showing the TV order was canceled. The merchant XXXX has both the TV and my money, I do not want the TV anymore as I do not want to do business with this company, I just want 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 2021-12-31 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-31 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX and XXXX I got a call from a chase bank number. The bank teller I was speaking too was informing me that {$5000.00} was taken out the day before and that another {$5000.00} was being taken out of my account currently. The bank teller told me to send money through a XXXX account so that they can send me the card with my money in it. I then went to chase bank and they told me that it wasnt one of their workers and that I was getting scammed. When I asked for them to dispute the money and put it back in my account they told me they couldnt do so and since this is considered a federal offense Id have to report to the authorities. I spoke to a chase bank manager and after many hours he told me hed open up a claim. Ive come to find out that today ( XX/XX/2021 ) that they closed the claim without informing me, nor were they able to give me my money back. I was scammed out of {$10000.00} total. The scammer keeps contacting me as-well. I have video proof of me speaking to them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: NV

Complaint narrative:
On XX/XX/2021, someone allegedly named XXXX XXXX ordered a laptop computer online and it was shipped to XXXX XXXX XXXX XXXX, XXXX, OR, XXXX. This week, I was notified by XXXX that I had a past due account. I called XXXX XXXX  and notified them. They told me to file a claim on XXXX. and send them a notarized letter which states it was fraudulent. The claim has damaged my credit rating and the company has not removed the late payment allegation. I have closed the account and requested relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: TN

Complaint narrative:
Over 3o days I sent over a re-investigation letter to Experian in regards to the Bankruptcy that is reporting on this credit file. This bankruptcy does not appear on any other bureau but this one. They have failed to respond to my letter within the requested time frame. I asked them to send me over any paperwork in regards to how this account was verified and they did not do so. 

I am requesting that the paperwork be sent over to me to how this account was verified, the exact day it was verified, the person that they spoke to, and the name of the business that they verified this information with. 

This would be my 3rd complaint filed in regards to this file. I will be pursuing legal action. I have already provided proof that the court does not share my personal information. This is a violation to the FCRA section 623 XXXX XXXX XXXX XXXX us court of appeals for the XXXX XXXX court case XXXX XXXX XXXX XXXX XX/XX/1997, filed ( XXXX No. XXXX ). This is considered defamation and willful injury. I will get {$1000.00} for every one of these violations.

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 2021-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
During the beginning of the pandemic, I experienced low funds due to working less. I was using XXXX XXXX ( managed by Fiserv ) and some checks had NSF. Fiserv ended my electronic bill pay in XX/XX/2020. I have called and tried to get assistance to have it reinstated. I have called Fiserv and literally have CSR laugh at me. I was told 90 days until electronic payments were reinstated. Then I was told six months. Then I was told one year. Fiserv told me that they basically handle the bill pay for every major bank, so I can not get electronic bill pay by changing banks. Fiserv currently MAILS checks to the vendors. As the post office gets slower and more mail gets lost, I am constantly hearing that my payment is late and getting collection calls. 
All I want is fair treatment from a big bully Financial Corporation named Fiserv and have my bills transferred electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MS

Complaint narrative:
LoanCare, or XXXX ( whichever name they are using at the moment ) is making it difficult for me to pay my mortgage. They sent a letter in the mail that was an amount higher than what my payment shouldve been. They always send very conflicting information. On their website, is a lower payment. However, when I tried to pay my mortgage today, the website kept freezing/crashing. Literally every page on their website works except the page where youre suppose to make a payment. ( How convenient for them? ) The payment page is just a blank, white screen. After several tries, I decided to call them instead. I never got an actual human on the phone. An automated voice would say __________ ( the person that should be working ) is at home. Then the robot just hangs up in my face. I have recorded the website and phone issues as proof. 

It seems as if LoanCare is purposely making it difficult to pay my mortgage so that they can report me as missing a payment, and eventually foreclose ( because theyve made it next to impossible to make any payments )!! I will not be sending any payments through the mail because I dont trust them at all. They might say they never received it! ( Which is what another homeowner went through on the XXXX reviews ). This seems to me like a form a equity stripping. Their website keeps trying to tell me how much equity I have in my home ( which is way lower than the actual equity I have ). I believe they want me to take out a HELOC or similar, make it impossible to make the payments, and then take my home. 

NEVER have I ever been with such a horrible mortgage company. Theres no way that the things they do are legal. I really think this company should be investigated very throughly. I wouldnt be surprised if it leads to a class action lawsuit! This is ridiculous!!

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 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account number XXXX Account status Open Date opened XX/XX/2021 Account type Auto Loan Paid Off : 2 % Balance on XX/XX/2021 Loan Amount {$89000.00} {$92000.00} Payment Info Status Current, was past due 30 days Status date XX/XX/2021 Past due amount - Original loan amount {$92000.00} Monthly payment {$1400.00} Late payments XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - - - - - - XXXX On Time My family has been afflicted with XXXX several times. I still managed to make my payments. XXXX posted my payment late but I paid before the 30th day. 
Capitol one credit card was paid off, then posted interest of XXXX dollars and did not notify me and this was after the card was closed. 
XXXX is completely paid in full and I never received any bill or notification that my bill was due. 
XXXX also reported late inaccurately even though I notified them that I was quarantined with XXXX. 
XXXX XXXX  report of a late is inaccurate. I paid before the 30th day. 
XXXX did not update my report on my XXXX XXXX account to reflect a XXXX balance after I paid in full before XXXX report. Also report of payment is missing for XXXX, XXXX and XXXX, all paid on time! 
I disputed the late payments on my prior student loans because I was displaced during a federally declared disaster. Still not updated. 
During the months I had XXXX and when my family did as well we were quarantine so I could not do anything until I was well enough to talk and go to my bank. 
XXXX ; XXXX reported late payment. Payment wasnt late and XXXX XXXX updated. Please see XXXX for accurate information. 
As Americans navigate this declared disaster none as Covid 19 it just seems reasonable to grant some grace to consumers who are earnest. Ive been sure to pay all my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
Receivables Performance Management called my cell phone from XXXX. I returned the call and RPM immediately began asking questions about where I lived, last 4 of social security, mailing address. I asked what the call was about and requested verification of any debt owed, to which they responded they could not give out that information. -- -- - To be clear, I do not owe any debt, and the address they had for me was for a rental property I own.

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 2021-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
My wife and I divorced in XXXX of XXXX. I given full custody of my children and I awarded full ownership of our house. In XXXX of XXXX when covid happened I lost my part time job and lost hours on my full time position. I applied for a forbearance plan with Mr. Cooper. After my forbearance plan ended this year I turned in all of my paper work for my loan modification and it was approved and It did not require my Ex wifes signature. They told I needed sign some finally documents and they could send a notary out to my house. I signed the documents in early XX/XX/XXXX. They were rejected because my ex wife did not sign the papers. I dont know where she lives or who she works for. I have zero way to track her down. I have asked her on numerous occasions to sign a quit claim deed and she denied. I told about the notary and she denied to sign that. Mr. Cooper has given no solution on what I can do. I believe they trying to unfairly force foreclosure on my house. In the month of XXXX I have spoken to Mr. Cooper at least twice a week trying to come up with a solution. My ex wife finally booked a XXXX XXXX in Texas over XXXX week and took the kids I called Mr. cooper and booked a notary to come out to the place she was staying but the appointment was never confirmed and a notary never showed up. I feel like Mr. Cooper is trying to force a foreclosure on my house. In our divorce decree it states that if XXXX refuses to sign that our decree will work as a conveyance of property. I sign the notary paper on XX/XX/XXXX. I havent heard from my ex wifes since XX/XX/XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LHM Financial
State: NJ

Complaint narrative:
I was unemployed from XX/XX/XXXX of 2021 to XX/XX/XXXX of 2021 as a XXXX XXXX  XXXX veteran and due to negative impacts of COVID-19. I received forbearance relief from 3 of 4 mortgage companies I held mortgages with. The 3 mortgage companies acknowledged my circumstances and need for relief as it related to COVID-19. The 4th mortgage company, LHM FinancialXXXX XXXX is denying forbearance retroactively or forgiveness of two late payments to mend the negative credit information submitted to the bureaus. I was late paying XXXX and XXXX and have requested forbearance to cover the time of those late payments or to forgive the lateness for the payments. A forgiveness of the two late payments will be a simple solution that will allow me to mend the negative information on my credit report. I have sold a property to ensure I am not delinquent on any payments going forward and to come current with LHM. LHM Financial sent me paperwork via USPS to fill out to apply for relief in XXXX. I provided more than 200 pages of information relative to my circumstances to be approved for relief. I mailed in the full complement of paperwork requested for a forbearance and it was received by the receptionist on XX/XX/XXXX at XXXX XXXX via XXXX. The amounts of the XXXX and XXXX payments individually were {$1600.00}. The total I paid to LHM Financial to come current on my account on XX/XX/2021 was {$5000.00}. My account manager at LHM is XXXX XXXX and his number is XXXX extension XXXX. XXXX has never returned my phone calls or inquiries despite my efforts to reach him over the course of the past 4 months. He continues to pass messages to customer service representatives that the " investor '' is not granting forbearance to anyone. He will not speak to me directly. I have tried calling to reach XXXX more than 30 times to discuss my options during the time I could not make payments. I am current for the mortgage and have the means necessary to not be delinquent again. As is evidence from the other 3 mortgage companies, I should be protected by the CARES Act.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation