vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I logged in online to send a payment via chase website through XXXX. I attempted to send funds to someone that has had transactions with me before. Chase immediately felt it was suspicious activity, so they text and called me to verify and I regained access. I tried again to do the transaction, and they decided to not allow me access online, and block my whole account. Upon calling, they expected me to go to a branch with 2 forms of ID. I just gave birth, but went anyway. Even after giving the ID 's I'm still blocked! I can't log in or get any access whatsoever into my account. The bank is holding my funds hostage with no idea when they will release my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I applied for a home loan with Rocket Mortgage and I was denied because of something called a " Mortgage Credit Score. '' I have never heard of such a thing and I was a Realtor for many years. And I have purchased 4 homes myself, so I'm pretty versed in the loan process. 

I would have never filled out the credit application if they had explained that my credit score ( which was good enough for an FHA Loan according to FHA.GOV ) was meaningless. 

I have painstakingly worked to improve my credit over the last 2.5 years after leaving my ex who ran my credit into the ground. I haven't attempted to run my credit at all until yesterday. I'm still working hard on my credit and I even pay to have it monitored and reported via XXXX XXXX. 

Rocket Mortgage 's application is clearly misleading the applicant. They ask for the applicant to choose a credit score range that best represents their credit score, but they never mention a " Mortgage Credit Score '' which will matter most, not their actual credit score. 

Before filling out the application, I called Rocket Mortgage to make sure they would finance tiny houses with FHA loans. The representative said yes and to apply on their site. So I did. 

I had done my homework by checking with FHA for their minimum credit score and they listed a minimum of 580, never mentioning this " Mortgage Credit Score ''. According to XXXX XXXX, I am in the 600 's. So I was immediately denied. I would not have an issue with them denying me if they had CLEARLY stated in the application that everything is not based on your regular credit score, but a " Mortgage Credit Score ''. This is VERY misleading and they don't even offer you a way to leave a review for them online so I can't alert others to be aware of this. 

This hit to my credit report will now bring my score down. Which may not be anything to them, but it's everything to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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 am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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 am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part.

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 2020-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CFW Holdings LLC
State: TX

Complaint narrative:
Good afternoon, the company is called XXXX XXXX with the phone # XXXX that is a debt collector for XXXX XXXX XXXX ( XXXX ) have violated my rights as a consumer. This company XXXX called my nephew XXXX, on XX/XX/2020 and told him the case #, phone # to contact them and they were filing the case in XXXX XXXX Texas, that I needed to call asap. I do not know how they were able to know that XXXX was my nephew. Then on XX/XX/XXXX, the company contact my place employment and gave the front person all the information. The case #, phone # and they were trying to locate me to file against me in XXXX XXXX. I called the number, these people will not give the name of the company except " XXXX XXXX '', one lady name XXXX, they could not give information to the safety of their employees. Then she ask me if I wanted to talk to one of their attorneys, then I gave her the case # and she said they were collecting for XXXX XXXX XXXX, payday online loan. Then she gave me the amount of {$2600.00}, and they were going to file in XXXX XXXX and that the judge would side with them. I hung up the phone and call the local authorities to see if they papers to serve and the dispatcher XXXX said no. I talk to 3 people at this XXXX XXXX, XXXX, XXXX and XXXX. They did not leave a name with the front person who answers the phone. I filed it with the Texas XXXX XXXX XXXX XXXX XXXX and XXXX  of South Carolina, both offices said to file it with the Federal Trade Commission. I called XXXX XXXX XXXX and talked to a Supervisor by the name of XXXX XXXX and told him what this collector was doing and that my next step was to get legal and report to the Federal Trade Commission. He said he would call back and to give them 48 hours and no one called. The debt collector is XXXX XXXX XXXX with the number of XXXX that a represent of XXXX XXXX XXXX  gave me. She said that they probably contract the company XXXX XXXX. They have violated a third party disclosure and tell both persons, XXXX and Receptionist the case #, phone # and telling them both they would file on me in XXXX XXXX. Mr. XXXX never called and I called him from XXXX XXXX   XXXX and he did not return my call. So I am assuming the know about the collecting ethics these people use. I will not have no one talk my business to a third party. The receptionist was very discreet, but it did embarrassed me. I did not know what to say.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  and Experian are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I recently reviewed my credit report to find I had 1 account in collections for an old hospital visit. The collection agency is First Federal Credit Control and the amount owed was {$700.00}. I never received any statement or invoice in the mail or email from them. 

I immediately called this company to see how I could take care of this bill to remove it from my credit report. I spoke with XXXX XXXX on XX/XX/2020. He proceeded to tell me that I could not pay less than the {$700.00} because the hospital could not take less than that. He also told me there were several other accounts in collections with them that had smaller amounts that were also affecting my credit score.

After researching, the accounts that I paid off that day ( for a total amount of {$450.00} ) were not on my credit report, and the only outstanding balance in collections is still the {$700.00}. 

I called again today ( XX/XX/2020 ) to ask if I could pay off the account. I spoke with XXXX XXXX. I first let her know that XXXX had lied to me on my call with him about the accounts and how he gave me incorrect advise. She immediately began speaking over me, berating anything I tried to say, and would not let me get a word in. 

This company is is very abusive to callers, lying to consumers, and are rude to the point of me having to hang up because I could not finish a sentence. This company has extremely unfair practices of getting consumers to believe they are in deep trouble because off too many accounts impacting credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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:
I attach the report with the fraudulent accounts I never open.

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 2020-07-28 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:
I attach the report with the fraudulent accounts I never open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Consumers Inc
State: MD

Complaint narrative:
I REQUESTED DEBT VALIDATION FROM THE COLLECTION COMPANY AND WHAT I RECEIVED WAS NOT A VALIDATION THAT I INCURRED THE DEBT. I RECEIVED TWO DIFFERENT HOSPITAL LEDGERS. 

ALSO THE COLLECTION COMPANY VIOLATED LAW WHEN AN ADDITIONAL CREDIT ACCOUNT WAS ADDED TO MY CREDIT REPORT AFTER I SUBMITTED REQUEST TO VALIDATE DATE. 

DATE VALDATION REQUEST-XX/XX/20 RESPONSE RECEIVE-XX/XX/20

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 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Wanted to link my debit card to XXXX and pnc won't let it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
On or about XXXX of XXXX I became a senior citizen and my property tax where frozen. The BANK continues overcharging me on my escrow and had increased my payment every other month. The Bank XXXX was not happy with me questioning the escrow to the point where we prove the mistake and gave me the excuse that I had some expenses paid back in XXXX. In XXXX I did not have an escrow with XXXX and therefore couldn't have any expense on my loan. The bank got upset and they did nothing but sold my loan to a servicer known as XXXX and then Carrington Mortgage services. 
Today Carrington Mortgage Services has my loan but for the past 4 years, they have committed predatory practices to make me late on my escrow account and be negative and then take me to foreclosure court. They also have bogus charges on my mortgage statement such as " overdue payment '' of {$75.00} and I never been late in my payments. I have explained to them I'm sending {$37.00} dollars extra on my payment and I'm still negative on my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
Way2Go removed the bank transfer option, so the only option is to do bill pays direct or withdrawal cash. They note you can call XXXX to do a funds transfer to bank, but after calling and trying all the options, there were not options via the number to do a bank transfer. I need the money in the bank account that I use to pay my bills already. 

I've set up the direct deposit for additonal money to go to my bank. I have XXXX as my bank and they don't have physical branches, so it isn't easy to pull out all the cash ( incurring fees anyway ) and deposit into my bank. 

Way2Go needs to add the bank transfer option back! They are doing this intentionally so you use the money in ways that will incur more fees for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: KY

Complaint narrative:
THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE AND UNKNOWN INQUIRIES ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623 AND 604 IM   DEMANDING THE REMOVAL OF THEM

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 2020-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am having a issue with the Branch Manager ( XXXX ) that sent my account to the Fraud Department and closed my account without any explanation. I was questioned about my XXXX XXXX Loan for that was approved and funding by the SBA. I was only able to access a small portion of my loan funds and then my account was froze for no reason. My account # XXXX. I feel they are being XXXX and biased. I have never been treating like a criminal like this ever before in my life. My loan was approved and the funds were sent to the account without any issues. So how is it Chase can steall my money that I have to pay back on this SBA Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: NJ

Complaint narrative:
On about XXXX, 2019, I pulled my credit report and found out multiple accounts that did not belong to me, knowing this I filed a Police report regarding Identity Theft issue and started disputing the incorrect information. I have been disputing wrong information on my credit report for about 1 YEAR. As of today 's date, a new collection account just showed up on my credit report, account that was not there before and actually never been there. 

That account definitely does not belong to me.

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 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I was served papers saying I was being sued by Portfolio Recovery Services in the justice court XXXX XXXX XXXX county texas On XX/XX/XXXX I appeard in precint 4 court and meet with Judge XXXX, Porfolio Recovery Services representing attorney XXXX XXXX. We agreed to a one time lumpo sum payment to settle the case of {$2000.00}. The {$2000.00} was paid on XX/XX/XXXX and notification via email was sent to XXXX XXXX. Again, The {$2000.00} was to pay the case in full. 
On XX/XX/XXXX I reached out to the XXXX XXXX law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and asked why I havent seen an update in my credit report, they verivied they received payment in full and that I would have to contact Portfolio Recovery Services. I then reached out to Portfolio recovery services and they verified that they received the payment and that my credit report would be updated as they are still reporting that I owe them the remaining balance of {$710.00} I waited and watched for 6 months for my credit report to update with accurate information. I called Portfolio Recovery services on XX/XX/XXXX and they informed me that they needed more time to update the credit report with accurate information. I also have emails trail with attorney agreeing to settlement and notification that I paid the {$2000.00}. 

I believe they have had enough time to do their reporting correctly and accurately. The collection agency should report zero balance and settlement reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: KY

Complaint narrative:
THERE ARE SEVERAL ALLEGED COLLECTION AND CHARGE OFF ACCOUNTS AS WELL AS UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623 AND 604 IM DEMANDING THE REMOVAL OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received approval for a {$5000.00} line of credit through XXXX XXXX. There was a promotion going for the space of year as far as repayment and finance charges. Less than 30 days after the end of the Promo term I called and attempted to pay the debt in full but the finance charge had almost doubled my total. I explained That I was late by less than the 30 days Due to COVID related disruption to my income and requested to have the finance charge removed. I spoke to representative and sent several messages. My payments have been consistent and yet the lender is refusing to acknowledge my dispute. I am still attempting to pay but the monthly payment requirements have also doubled. I am unsure how to proceed and feel that their practices are extremely unethical especially given the current crisis.

Company response to consumer: Closed with explanation