vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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: CA

Complaint narrative:
identity theft on my credit 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 explanation
Consumer complaint received 2020-04-02 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: MI

Complaint narrative:
My identity was stolen and used numerous times with plenty of fraud accounts opened over time. Here are the fraud accounts Ive discovered so far : XXXX XXXX ; Opened XX/XX/XXXX Balance {$5700.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  ; Opened XX/XX/XXXX Balance {$96.00} XXXX XXXXl ; Opened XX/XX/XXXX Balance {$0.00} XXXX   XXXX XXXX ; Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance {$190.00} The XXXX ; Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance $ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$210.00} XXXX XXXX ; Opened XX/XX/XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: MI

Complaint narrative:
My identity was stolen and used numerous times with plenty of fraud accounts opened over time. Here are the fraud accounts Ive discovered so far : XXXX XXXX ; Opened XX/XX/XXXX Balance {$5700.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  ; Opened XX/XX/XXXX Balance {$96.00} XXXX  XXXX   ; Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX ; Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance {$190.00} XXXX  XXXX  ; Opened XX/XX/XXXX Balance {$1400.00} XXXX  XXXX  XXXX  ; Opened XX/XX/XXXX Balance $ XXXXn XXXX  XXXX XXXX ; Opened XX/XX/XXXX Balance : {$210.00} XXXX  XXXX  ; Opened XX/XX/XXXX Balance : {$2400.00}

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 2020-04-02 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: CITIBANK, N.A.
State: DC

Complaint narrative:
Im writing to request assistance with a late payment reported by my Macys Store American Express credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the Macys Store American Express credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted Macys credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.

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 2020-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: OH

Complaint narrative:
I applied in XX/XX/2019 to refinance a private mortgage I had with AnnieMac, after months of processing the loan they told me that I had to close as a purchase loan and not a refinance even though the mortgage was recorded. At the subsequent closing they finally did it as a refinance and I had a subsequent 3 day rescission period. 

At the closing I was never given copies of any of the closing documents and spent several months trying to get AnnieMac and/or the title company to send me a copy to no avail. To this day I still do not have a copy of my HUD 1 settlement statement after several requests to the title company they made me use and requests to AnniMac. 

Subsequently, I never received a first payment letter or any information regarding a payment due date, I tried to make a payment online with them, AnnieMac, in XX/XX/2019 after several phone calls to their origination office and subsequently their servicing center without any assistance from them at all. I was repeatedly told by AnnieMac that I would receive instructions in the mail. I then stopped payment on the XX/XX/2019 payment I made because I had no information and wanted to make certain my payment went to the correct place. 

Subsequently I finally did have contact from them, AnnieMac when they sent someone to my home to serve me with a default notice and intent to foreclose. Three days after their agent showed up at my house I received a copy of my closing docs from them without a HUD 1 settlement statement which as of today I still do not have.

I do not want to lose my home, I have been here for over 6 years with a monthly payment very similar to what my payment is now with AnnieMac. I have never missed a payment until this fiasco with AnnieMac. They have destroyed my credit and every time I try to talk with them I get different answers and they are trying to push me into a forbearance agreement or deed in lieu of foreclosure. While I do not intend to stay here forever I certainly do not want to leave now. In addition they have now destroyed my credit and I do not know what to do. Is this a situation where I need to hire a lawyer and spend thousands of dollars to save my home just because I had the misfortune of doing a mortgage loan with such an unscrupulous lender? 

I'm in a situation where I need to purchase a car and because of this situation that will be impossible or at the very least triple what it should cost. 

At no point in the entire situation have they made any attempt to make this right and they have repeatedly, and I would say knowingly, violated almost every aspect of RESPA and have XXXX regard for me as a customer and homeowner. 

I have not contacted the FHA directly as of yet, however, it is my intention to do so if we can not get this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On or about XX/XX/2020, I got a 30 late payment on all 3 credit reporting bureaus from XXXX XXXX   XXXX XXXX XXXX. I called collections department and spoke to a supervisor and she stated it was a computer glitch and it was a mistake. She said it will be updated and removed. It was updated but it wasn't removing because it's still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am XXXX. I requested several stop pays on XX/XX/2020. I followed up via secure messages and XXXX calls. My timely notice to place the stop pays was ignored. On XXXX, three entities made off with approx {$800.00} of my money which caused numerous overdrafts. Only after the stop pays were finally placed after a 3 hour hold phone call did chase charge me ( without notice or advice to change account numbers ) {$30.00} PER entity named in the stop ACH request, not {$30.00} for placing an account stop pay as I was led to believe. An advisor should have suggested getting a new account number!!! They charged me $ 300+ in fees to shield my account while my income is reduced. Further, this resulted in a cascade of {$34.00} overdraft fees - untold in number, approximately {$700.00} in fees. So I had my money stolen because chase ignored my request ( {$800.00} ), was charged $ 300+ in stop pay fees that didnt even work and I wouldnt have agreed to had an advisor told me the scope of fees and other alternatives, and then another {$750.00} or so in fees for using my account as normal. I want a refund for approximately {$800.00} in the 3 transactions I stopped in a timely manner, and all the fees chase charged me when they ignored my repeated requests for over 10 days! The fees alone are $ 1000+! I can not and will not be able to bring my account current until this is resolved. I am a protected class and I believe chase discriminated against me due to my XXXXXXXX, refusing to service my account in a way that I had access to ( secure messaging ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Due to covid 19 the bank of amrica has announced that it is doing its part to help its customers with a help program ... Just join! I did it on the XXXX of XXXX and whenever I call again, they give me a new deadline but they don't comply with the treaty. I paid the bill without power and exposing my situation, they said they could help by returning the amount paid and extending the date to be paid ... Well, I accepted and I'm waiting until today ; whenever I call they ask for another week ... I counted on the combined help but it seems that I am making a fool of myself.

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 2020-04-02 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:
identity theft on my credit 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 explanation
Consumer complaint received 2020-04-02 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:
identity theft on my credit record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020 I became aware that U.S. Bank closed a joint account owned by both XXXX XXXX XXXX XXXX XXXX. I contacted the branch manager and eventually the district manager XXXX XXXX to attempt to understand why the account was closed and to receive the remaining funds in the account. I was informed that a certified check for the remaining amount was sent to my fathers address in XXXX, WI however the funds never arrived as of XX/XX/2020. I spoke again with XXXX and he again stated that he would attempt to send remaining funds to my listed P.O. Box,  however as of XX/XX/2020 the funds never arrived. There was a remaining balance of over {$2300.00} and U.S. Bank has apparently refused to refund our funds after numerous attempts.

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 2020-04-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a credit card with Chase bank one I have had forever. I have my account on autopay. I have multiple cards. Chase placed it annual fee of XXXX on my account. The account had not had a balance all year. The Bank did NOT mail me a statement. They just charged the amount. After 40 days they mailed me a delinquent notice which I did receive. I went online to pay I have other credit accounts with Chase and had updated my I updated the bank account on my autopay. Chase did NOT advise that I needed to do that fore EACH CArd on the same account. In any event, I paid the past due fee online. The problem was that the check was returned account closed. So not only was I not late but it was because of a closed account due to Fraud. CHase REPORTED ME, DELINQUENT, for nonpayment of their annual fee. Even though I paid and it was returned. 1 ) they didn't mail me the statement with the fee 2 ) They don't show account info on the payment accounts online so I did not realize the payment was from a closed account 3 ) I have never ever been late 4 ) they reported me for an annual fee for a card I didn't want and wasn't using. 30 days late for payment of ANNUAL CARD FEE are they Kidding I have contacted them and they say contact the credit bureau credit beara says the reporting is accurate because chase says it's accurate Please stoop these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XXXX XX/XX/2020, Barclaycard USA attempted a withdrawal from my bank account. I was pending my monthly paycheck, and so this payment was denied and I was charged both a NSF fee by my bank and Barclaycard. I had already paid the mimumum monthly payment for XXXX, so was unaware that an additional payment was being made. As a result of the NSF fee on Barclaycard, my credit card went over the credit limit. So I posted an amount of {$30.00} to reduce the credit limit - but this was also charged an NSF fee. Both the original payment and the {$30.00} payment were then retried, without my permission, by Barclaycard, charging 2 additional NSF fees ( at {$28.00} each ). I emailed, and I was slightly upset so had a slightly accusatory tone, to Barclaycard to stop attempting payments. Today, I submitted a {$250.00} payment to the Barclaycard credit card, to reduce my credit limit to well below the maximum amount, after I received my monthly paycheck. I wrote to Barclaycard explaining this. Through this process, however, Barclaycard did not, and has not replied to either of my messages ( through their online system ), and in addition, my online banking, is now showing my account is closed. I tried to call Barclaycard and their lines are busy with very long waits, which is understandable during the current COVID19 situation. But what is not understandable, is their lack of communication and attention to resolve this issue, again, similarly during this COVID19 crisis.

Thank you for your time.

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 2020-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Guidiville Indian Rancheria
State: CA

Complaint narrative:
I have an outstanding debt with Blue Horizon ( {$400.00} ). This was a loan I had taken out to help pay for medical and moving expenses when I became XXXX and XXXX  retired with XXXX XXXX XXXX. The debt collector called a family member ( my brother ) repeatedly and at XXXX XXXX in the morning to try and contact me. Blue Horizon ( or its partner XXXX XXXX XXXX ) never left a message on my own phone number ; they contacted my brother directly and used aggressive language. They violated the rules of calling only after XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
portfolio recovery associates has been harassing me for a debt that is not mine. i explained to them numerous times in calls they have made to me that this debt is not mine. they have no signed contract between myself and the original creditor ( whoever that may be ), verifying legitimacy of this debt. they have no information regarding any payments that may have been made to this account in question, proving that i have made any payments on this debt ( which i haven't ). they have failed to provide any relevant information proving this dept is mine. ( no signed contracts or proof of how, when or where any payments have been made if any have been made at all, or my signature on anything ) they are ruining my credit score and i would like this false debt claim removed from my credit history immediately. if debt is not removed i will file proper legal action to discontinue the harassment and the negative impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: DC

Complaint narrative:
Im writing to request assistance with a late payment reported by my XXXX XXXX XXXX XXXX credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the XXXX XXXX XXXX XXXX credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted XXXX credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.

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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Im writing to request assistance with a late payment reported by my XXXX XXXX XXXX XXXX credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the XXXX XXXX XXXX XXXX credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted XXXX credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.

Company response to consumer: Closed with explanation