vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a making home affordable program payment made eight payments with a promise when the fourth cashed I would get XXXX. Chase foreclosed on the property XX/XX/XXXX, rescinded for closure XXXX and filed a lawsuit. XX/XX/XXXX at arbitration Chase stated no longer owned the note, so could not complete making home affordable program modification. XX/XX/XXXX Chase transferred and backdated to XX/XX/XXXX ownership of the note XXXX value. XXXX Chase for closed on the note, without owning the note also increasing note {$530000.00}. XXXX chase contacted owner of the note transfer note back to Chase. XX/XX/XXXX Chase filed a lawsuit asking the court to grant them quiet title backdated to the date of the foreclosure XXXX. Chase was unable to serve the lawsuit because its spelled the owners name wrong. The house has been empty off and on from unlawful detainer filed in XXXX without contacting the owner, XXXX two unlawful detainers filed one against unknown people Chase made up names without contacting owner on XXXX room cabin XXXX ft. added to the note in error. Chase is constantly filed fraudulent documents, recorded documents that contradict the previous claim, taking away in XXXX room Cabin from a XXXX man Chase has no right to. Can I demonstrate what extent the largest bank in the world will go to to steal the XXXX XXXX XXXX tax value that {$37000.00} please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I disputed two accounts listed on my credit file. The investigation resulted in both accounts being updated. On XX/XX/XXXX I mailed out a method of verification request. Per USPS tracking, Experian received that request on XX/XX/XXXX. Shortly after, I received an alert that the accounts were updated ( again ) and the dispute was closed. The method of verification request was completely ignored. 

I contacted Experian by phone XX/XX/XXXX and I spoke with a live agent. I asked for clarification of the alert and the agent told me it was closed. I then asked her why I did not receive the information I requested. She stated that Experian could not and would not provide this information. I informed her of my rights under FCRA and still nothing. I then informed her that I was recording our exchange and she ended the call.

FCRA 611 ( a ) ( 6 ) ( B ( iii ) states that a CRA must provide : The description of the procedure Experian used to determine the accuracy and completeness of the information. 

Name, address, and telephone number of each person contacted regarding this alleged account. 

A copy of any documents provided bearing my signature, showing that I have/had a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable. The credit bureau must give me the method of verification information within 15 days of my request and clearly, this did not happen. Experian closed my dispute without properly investigating. I also was able to record the phone exchange in which the agent clearly said Experian would not be providing the information I requested.

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 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/XXXX I opened a Discover card offering no interest for 18 months on balance transfers. I initiated a balance transfer from XXXX XXXX of {$3500.00} to the new Discover card in XX/XX/XXXX and it took effect on my Discover card ending in XXXX on XX/XX/XXXX. I looked at my accounts XXXX yr. later to see that the transfer of funds was not done and taken off my XXXX XXXX XXXX ending in XXXX. I have been paying both cards for the balance since the transfer. I have been calling both companies with no advancement in the situation. XXXX XXXX did suspend the amount temporarily and states they never received the payoff from Discover. Discover has not provided the payment transmission form proving they paid XXXX XXXX and is stalling to send information. Apparently, Discover card is giving me a run around because we are not getting anywhere as it is over 6months of contacting Discover company. Please step in to help get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-01 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: LA

Complaint narrative:
First main issue is that Afni , Inc account appeared on my Credit File as a new opened account XXXX, XXXX, in the amount of {$2100.00} that went into collection the same month it was opened. Which is showing as derogatory and hurting my good credit that I have worked tirelessly to build. I have disputed with all 3 bureaus because 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with XXXX XXXX XXXX because I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is fraudulent scamming activity and 5 ) this happened in XXXX twice and earlier this year but under a different name for XXXX XXXX XXXX with the same issue that I opened the account the same month is went delinquent. However, when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this XXXX XXXX XXXX collection and requesting they provide proof, and they always tell me they do not have me owing them because I do not have an account with them. 
In fact, two of the bureaus XXXX and XXXX I have opened more than one dispute because I was dissatisfied with result. Which has led me to use my right to make formal complaint against XXXX, XXXX and AFNI , INC. 
It should also be noted that because of the last complaint and issue with this fraudulent item that fraud alert has been placed on all three bureaus. 
I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. 
The right and fair thing to have the credit bureaus remove this inaccurate/fraudulent information from my credit file because it is not mine. As well, as for AFNI , INC, to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents for me to provide because again I have never been in a signed contract with AFNI , INC nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. 

Respectfully Submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Due to computer issues I was not able to access Shellpoint 's response to complaint XXXX but this is a complaint to it. It's been 3 weeks since XXXX in escalations told XXXX from HUD and me Shellpoint would give 30 days to hold foreclosure and send a breakdown of the $ XXXX they say is owed - nothing has been received. XXXX also stated they would send me the {$52000.00} they receive from XXXX XXXX XXXX- they have not. Shellpoint says XXXX - XXXX is missing but they already stated they received XXXX - XXXX, XXXX, XXXX, backup has been sent. Shellpoint mentioned XXXX - XXXX was missing but backup copies of cancelled checks and bank statements were sent that they are ignoring. This proof of payments should lower the $ XXXX Shellpoint says is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was at home when I got a call from the number on the back of my debit card, it was the same exact number. I assumed it was my bank, Citi Bank. The man on the phone said he worked for the bank and was calling to tell me about fraud purchases that were happening in that moment. He also offered to send me a new debit card, in which he knew my home address. He then asked for my personal banking info and used it to buy things on my account. The bank did send confirmation texts to make sure it was me. The man on the phone told me to say yes to those confirmation texts and assuming that this was the bank I said yes to all of them except the first one. After discovering that this was a scam, I filed a dispute with my bank. My bank claimed they were not able to reimburse me because I had my card in my possession, I gave the man my banking info, and the activity was consistent with my banking activities. The man took {$2000.00} from my account and left me with very little money for school.

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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion past disputes was deleted and I XXXX XXXX the consumer are now seeking remedies for the action of TransUnion who furnaced these wrongfully consumer reports that have took a toll of my life and credit gain to help my family. 

I have 4 completed deletions dated from XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX XXXX WAS DELETED XX/XX/2017, XXXX XXXX XXXX WAS DELETED XXXX XXXX.. These reports was on my file FOR YEARS AND NOW Im seeking remedies for all wrongfully actions from TransUnion furnacing those accounts to their Website & I XXXX XXXX didnt give anyone the rights to breach my privacy. My privacy was invaded and once again I didnt give anyone the permission to use my credit in their likeness and I demand.

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 2022-08-01 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out to Experian to have them update and correct my credit profile to reflect XXXX XXXX and XXXX. Experian needed verfied documents of my current address I sent them a verified mail with a copy of my driver licenses and mail with current address. 
Mail out on XX/XX/XXXX on Tracking # XXXX received in XXXX we are now in XXXX and my credit report and file has not been updated from XX/XX/XXXX. Experian has been giving me the run around not reporting accurate information and it has become very frustrated I'm trying to purchase a new car and home and my Experian credit file is stopping me from achieving this goal.

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 2022-08-01 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: MO

Complaint narrative:
Nationwide Recovery System is inaccurately Reporting medical bill information on my credit reports my medical information has illigally been shared with this third party debt collectors I never gave any consent for my health information to be shared with a third party debt collection agency and when received care all my documents I signed stated that my information in no way will be share with a third party this is a Violation of the Fair Credit Reporting Act and also a Violation of HIPPA. the medical bill that is being reported on XXXX reports was paid my medicare insurance and also I had no agreement no signed contract or nor I received any service from a Nationwide Recovery System this company is operating illegally and this account is involved in litigation for negligence and a lawsuit for punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
On XX/XX/2021, I applied for an extension of credit, and I never benefitted from this transaction. I would just like to know what happened to my extension of credit, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. XACTUS-CP on behalf of XXXX XXXX XXXX accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.

Company response to consumer: Closed with explanation