vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-21 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: AL

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

These Accounts are not mines and are unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: AL

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

These Accounts are not mines and are unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) XXXX XXXX XXXX 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 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
We paid our loan in full on XXXX XX/XX/2020. On XXXX XX/XX/2020 I called to inquire about disbursement of the funds in both the Escrow account and the Buydown account as I had not received either, to which Dovenmuehle could not locate nor seem to understand our buydown account and after 25 minutes on hold the account was located and confirmed to have not been disbursed. I had to request that the account be refunded ( which is a problem in itself ) to which I was told it would take 21 business days. After 21 business days ( XXXX XX/XX/2020 XXXX the account was flagged as needing to be reviewed by the Special Funds department and as of today, XXXX XX/XX/2020, the funds in the buydown account have not been released by Dovenmuehle Mortgage, nor can the Special Funds department be contacted directly by the customer. I have called Customer Service six times over the last two months about this issue. The buydown account has over {$1700.00} in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Currently my account is in restricted status and I have been in constant contact with customer service, my local branch and have a representative XXXX from the executive office looking into the case. I have been trying to resolve this issue since Saturday XXXX, 2020 ( it's now Tuesday XXXX, 2020 ). Each representative of Chase has led me into rabbit hole after rabbit hole of holds that last for hours, explanations that hardly lead me to any resolution and none of them have asked for further information or documentation that could lead to any confirmation of my transactions. 
My account is being closed without prior notice or any direct contact to myself. Im being told that there is a possibility that I may only be eligible for {$1500.00} total when my account had a balance of over {$10000.00} when I had last checked. I spoke with my Chase XXXX agent XXXX and she said that the funds still need to be verified but did not ask for documents nor provided a secure link to provide documents to assist in verification. I asked if her negligence meant that she was alleviating herself and the company of any responsibility pertaining to my case and she seemed confused and stated that just even though the call was escalated, there was no way she could guarantee that the issue could be resolved. It is unacceptable that they are attempting to take all of the government assistance that Ive received during a pandemic and can not verify that those funds are indeed mine. And I know that there is a class action lawsuit pertaining to the company favoring preferred clients ( XXXX XXXX ). I then asked XXXX to assist me in securely accessing the {$1500.00} she had offered as my only available funds ( which barely covers my rent ) and she said that she could possibly either transfer it to my local branch ( which I listed ) or that I could get it through the mail. I reminded her that because of the current issues that the USPS is experiencing Id require a tracking number and a quote on arrival date. She could not provide either and rudely said she would call me back. That call ended at XXXX XX/XX/2020 and I have not heard back from her ( so she lied to avoid further confrontation ) and have not been able to directly speak to any local bankers from my local branch ( which again just makes all of this more difficult ). So as of now Im waiting for one of the Nations biggest banks to decide that my problems are worth their attention and as of now no one has made me feel even remotely confident that they are competent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
address XXXX XXXX XXXX XXXX XXXX ga XXXX we have excessive mortgage fraud in bankruptcy trustee NEVER investigated not one instance of the excessive fraud on any of the properties both commercial real instead of the abandoned and stoled the properties we had to file our own Rico suits the courts illegal dismissed all of them to cover up for their friends who were involved in obtaining fraudulent loans on our property, they did care because WE ARE XXXX, We noticed with White couples filing Bankruptcy this trustee filed lawsuits. 

the XXXX case number XXXX attempted to make us pay approximately XXXX k in order to stay in XXXX XXXX for FRAUDULENT LOANS and later telling us we would bet our money-back whenever THE TRUSTEE GET A CHANCE TO INVESTIGATE, I transferred to Chapter 7 which is what they wanted to liquidate, however, I complete a Retention Form and he continued to engage in illegal activities and the judge gave him permission to do so., The Trustee is a Liquidator he has an Attorney who is old and the judge basically runs over him as ask other attorneys to say the trustees ' attorneys name in order for her to steal property. 

SPS is a Fraudulent loan, They sent a letter on XXXX regarding releasing the lean. We reported the information and later they created XXXX XXXX 's one for myself and one for my spouse stating the loans was an income. These are not our loams. AFTER investigation we NEVER RECEIVED ANY LOANS ON any OF OUR PROPERTY. 1 of the attornies received 15 years and one was disbarred. we can not obtain an attorney because we are blackballed in Georgia by judges and key attorneys who are involved in the fraud, Please read all attached documents SPS is no longer in business, We have IRS Fraud, MAIL Fraud and Mail Theft as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had an account on my report by the name of XXXX XXXX XXXX. The account was bought out by XXXX XXXX XXXX. XXXX sent me a letter saying they have closed the file and terminated collection action which means the entire account should have been removed from my credit report. XXXX no longer shows on my report, but XXXX does. If XXXX bought out the account and removed it, the entire account should have been removed. I have sent them 2 separate certified letters on XX/XX/2020 and XX/XX/2020 and disputed this item multiple times with no resolution. They will never send me proof of my signature on the account or any type of verifiable proof like I requested in my dispute. All they keep saying is the account is updated and the account looks exactly the same. I have also received a letter from XXXX also stating they are no longer servicing action on the 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 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
In the 3+ years we've been with Axos bank XXXX they've randomly closed our debit cards, sometimes all of that at the same time, at least over a half dozen times. No explanation is ever given. The debit cards on are different accounts, and yet they still often cancel all cards. Their notes say we authorized to do that, yet we've NEVER authorized such action, and they refuse to give any information on who or when it was authorized. They also have sent replacement cards to wrong addresses, but won't tell us which address they used. The ones that have been sent to the correct address only show up sometime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: MA

Complaint narrative:
I made two payments in full. Per the credit card agreement if payments are made in full by due date no credit interest will be applied. Interest was higher then actual interest rate and was applied on balances paid in full by due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

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 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: OH

Complaint narrative:
I can't get this credit card company to SIMPLY send me my billing statement by regular united states postal service mail. I can't pay the balance without the statement.

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 2020-07-21 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XX/XX/XXXX I make a purchase of airplane tickets for {$530.00} from XXXX XXXX for a trip to XXXX XXXX that should take a place XX/XX/XXXX to XX/XX/XXXX. Due to COVID19 the flight was canceled. 
I was trying to resolve this issue with XXXX XXXX however, without a success. 
My flight was canceled XX/XX/XXXX and I was issued a Ticket Credit that must be used within 90 days. 
I tried dispute this charge with AMEX twice however, XXXX XX/XX/XXXX I received email that I will be charged a fee despite that flight never took place and I did not received any refund from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland credit management has been calling me 2-3 times a day using a phone number from different states such as Arizona, California, and Michigan. They are spoofing their phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: MS

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-21 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: AL

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

These Accounts are not mines and are unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) XXXX XXXX XXXX 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 2020-07-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/20 Chase Bank made A hard inquiry to all credit bureaus regarding my credit information without my CONSENT. 
I made clear with Chase that i didn't want to do business with them because, They didn't hold to a prior agreement, involving an account incentive. 

I have ask them to delete duplicate inquiries that are due to run for two or more years. 

These inquiries, Affect my credit score severely, as i am preparing For home ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I applied for payment suspension with my mortgage holder Wells Fargo in XXXX. I was immediately approved for 3 payment suspension which I was told could be added to the back of my loan. I received a letter in XXXX saying my time was up and I needed to call and make a decision on ending the forbearance program. I called and opted for a partial claim which adds the payments to the end of my loan. That call was in early XXXX, by XX/XX/XXXX I hadnt received any paperwork and called to ask about it. They said my forbearance had been extended through XXXX and asked me all the same questions about what I would like to do and I said partial claim. They said the documents would be mailed and I would need them notarized. They never came. Late XXXX I decided to purchase a second home condo, knowing that the forbearance would be over by XX/XX/XXXX which is when Wells Fargo said I would need to resume payments. They never accepted my choice to get out of forbearance and told me if I paid my loan up to date the payments would register as late and all late fees would apply. I called frantically XXXX XXXX to try and rush the partial claim with no success. Employees bounced me from the home preservation department to the executive department and back 10 times. They said things like were going to escalate your case and were going to research this matter but no one has been able to help me. Now I will lose the contract for my condo because the word forbearance appears due to Wells Fargo enrolling me unwillingly into another 3 months of payment suspension.

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