vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: NV

Complaint narrative:
When I had set up both my Credit Cards, roughly a half a year ago, all the information I put in was deemed correct, and It was all complete. Since then I HAVE DROPPED XXXX POINTS?! I have tried so many times trying to fix this situation. I have called both, XXXX & Discover. The automatic pay I have set up on both my banks is my Savings Account. I had PLENTY of money to make my payments. According to Discover ; Automatic Pay through my XXXX XXXX XXXX XXXX ( SAVINGS ACCOUNT ) is not available, so every month I had thought I have been paying on time, I was not. This is not my fault, how can they accept my Bank Information just to XXXX me over? I had no idea until I had a notification of my XXXX saying I was down 100Points! This is ridiculous. Each payment I had to pay would be in the range of 250-300, MAX. I had PLENTY of money to pay that, but because it was never able to go through, IT WAS DEEMED A LATE PAYMENT. This is unfair, and a very sad thing to find out before XXXX. Please help me and let me know on what I should do next. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CA

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in XXXX  matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

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 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
DMI, as a servicer for XXXX Mortgage has failed to refund escrow payments in compliance with XXXX within 20 days of the loan being satisfied in full. They refuse to make alternate arrangements for a timely dispersal of the escrow funds and are not providing sufficient information to the Borrower as whether it has met its obligations to provide a timely refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me. These account need to be removed from 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 2020-12-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me. These account need to be removed from 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 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One plays games. Attached is latest letter from Capital One regarding two cards. It is frustrating because Capital One continually misunderstands and I am now convinced they do not misunderstand but are playing word games. Capital One accuses me of denying ownership of the accounts. I do not. Capital One then goes further by stating my phone number was used to perform maintenance on the accounts. Yes, BUT and I capitalize BUT, the thieves used another phone to make fraudulent payments and Capital One states they do not have records of the phone used to make these payments. So, Capital One states my phone number was used to perform maintenance but refuses to provide the phone numbers used that made fraudulent payments in 2017. 
FURTHERMORE, thieves stole my card, made fraudulent payments, I filed sheriff 's report, Capital One closed the account, then Capital One charged off the account, AND THEN CAPITAL ONE ACKNOWLEDGES THE FRAUD, REDUCES AMOUNT DUE WHEN I CAN NOT PAY A LUMP SUM! In addition to now playing games, Capital One isn't organized. Card amounts should have been reduced long before canceled, charged off, and then sold to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
Today XX/XX/2020, my husband and I received a PayPal Prepaid Mastercard ( The XXXX  XXXX  ) via US mail for an individual unknown to us at the address where we have resided together for the last 5 yrs. Because we are the original owners of our unit, our concern is that this person may have a PayPal Account set up in his name and is unlawfully using our mailing address in his account profile. 
I attempted to contact PayPal directly about this today XX/XX/2020. A gentleman informed me that this would be a Mastercard issue, then transferred me to the automated system of XXXX where I spent the next 10 minutes trying to circumvent their system in order to speak to a live person, who told me he would need to transfer me to the Fraud dept. He assured me that he would be staying on the line to introduce my call and problem, but after several minutes an automated voice ended the call. So I called the CFPB phone number from the MasterCard brochure, and spoke to XXXX who suggested that I file this complaint online.

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 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I did a fund transfer from Chase Account to XXXX Account on XX/XX/XXXX with {$20000.00}. 
The fund was rejected by XXXX XXXX however the funds didn't come back to my chase bank account. I've contacted with XXXX XXXX, attached is the email from XXXX XXXX branch manager. 
Per XXXX XXXX the fund was rejected and XXXX has already contacted with Chase for the refund approval months back. Please help identify why Chase didn't approve the refund request from XXXX and refund my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
If you apply for an Apple MasterCard, you can only use it in the Apple store unless you own an XXXX or an XXXX. That sounds like a store card, not a MasterCard. That does not sound completely lawful to market it that way as a MasterCard. It should be either a store card or a MasterCard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

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 2020-12-21 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: U.S. BANCORP
State: CO

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, US BANK CONSOLIDATED add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On Tuesday XX/XX/2020, JP Morgan Chase restricted my account due to unwarranted fraud. I am a XXXX XXXX and my XXXX check was being deposited into my checking account. I am a based in XXXX but I live in XXXX. Therefore XXXX has to issue my XXXX I spoke to someone at the branch and someone in the fraud department and advised what exactly was going on XX/XX/2020. That day I was told that they would close the account and send me the balance of {$1100.00}. I have called JP Morgan Chase several times about the funds in the closed account. The bank has been unresponsive and unhelpful after several attempts to obtain answers. I have not until this day received the funds that were in the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing accounts with XXXX XXXX XXXX and XXXX XXXX because this account have been disputed before and have not been removed by XXXX or Equifax, but XXXX XXXX has removed both accounts as od XX/XX/2020 from my credit report and it is by law that each credit bureau is suppose to report the same accurate information across all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

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 2020-12-21 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DC

Complaint narrative:
My wife and I were informed by Specialized Loan Servicing via a letter dated XX/XX/2020 that our hazard insurance had expired. On XX/XX/2020 we talked to XXXX ( our insurance coverage ) with whom we have had coverage since we bought our current house. 

The XXXX rep told us that our coverage had not lapsed and that in his opinion it fit the ( unclear and undefined in the letter ) definition of hazard insurance. The rep faxed proof of coverage to the number provided by Specialized Loan Servicing. 

We received subsequent letters stating that Specialized Loan Servicing felt our coverage had lapsed. We uploaded proof of our insurance to a portal they provided for that purpose but continued to receive notifications. 

We than talked to a Specialized Loan Servicing rep on two or three occasions and were told that we had coverage and not to worry about it. We asked for written/emailed confirmation of that and never received it. 

Instead, we were told that Specialized Loan Servicing had bought insurance for us and then that they had set up an escrow account. Finally, we were informed in a letter dated XX/XX/2020 that we would be billed an additional amount on our monthly mortgage until the escrow account was paid off.

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 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
With my MasterCard, issued by Goldman Sachs on Apple Pay, I applied for an installment loan to purchase an XXXX XXXX aluminum. But after a few weeks, I changed my mind, canceled the order, and purchased an XXXX XXXX steel outright, without a loan. Apple sent a refund for my loan as a credit on my account for the aluminum watch : XXXX XXXX Refund - Apple Pay,XX/XX/20 for + {$540.00}. And even though the aluminum watch was returned two MONTHS ago, I am still being billed monthly payments for this original loan amount, which has now whittled down to {$410.00}, as of XX/XX/XXXX. 

Today I spoke to a Goldman Sachs rep who said that I CAN NOT pay off the {$410.00} on the original loan now/today, and that I MUST continue to make monthly payments from my credit card account over the course of a year, even though I have closed my account. THEY WILL NOT LET ME PAY OFF THE BALANCE of the loan in advance! 

The problem is that I ALSO have two credits from two refunds on the revolving credit part of my card, and these two refunds total + {$620.00} on my statement as of XX/XX/XXXX, and I can not receive any of the + {$620.00} UNTIL the YEARS installment loan payments have finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Hello, We went through the underwriting process for a conventional construction mortgage with Associate Bank in XXXX. The initial reason we went down the underwriting process with Associated was their construction loan product had a 12 month interest only period followed by a traditional 30 year mortgage. We received multiple rounds of " Initial Disclosure Documents '' from Associated all that had 12 months interest only payments, displayed very prominently, with no additional disclosures or asterisks. We finished construction early ( about 4-5 months into the loan ) and got a notice that they were converting our loan to principal and interest payments. I reached out initially, via email in early XX/XX/2020, to the loan officer : ( XXXX XXXX Residential Loan Officer | Residential Lending Office : XXXX | Fax : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX NMLS : XXXX ) we worked with to inquire about what had happened and got no response. I followed up again a week later and got a response which was a forwarded email from her supervisor : ( XXXX XXXX VP | Senior Residential Sales Manager Office : XXXX | Cell : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX NMLS ID : XXXX The response was that buried in the FAQ 's on our loan documents, which we received late the night before a morning closing, there is a provision that says once construction is complete they will convert our loan. During numerous calls and emails with our loan officer during the underwriting process this material fact was never mentioned despite the fact we said 12 months interest only was very important to us. I told our loan officer that I though the response was inadequate and the language in the initial disclosures and our discussions ( mine and the loan officer ) were misleading for not ever mentioning such a material fact and I wanted the bank to honor the 12 month interest only commitment. I never received a response back. About 10 days ago I received a call from the bank asking about why we had not made out payment, I told the woman on the phone why and again asked to speak to a manager. I was told that no manager was available at the moment, but that one would absolutely give me a call in 24 hours. To date I have still not heard anything from the bank. 

I have attached 1 of the many disclosure documents that we signed and highlighted all 5 of the spots where is says interest only payments for 12 months and not one spot is there any qualifier or note that once construction is complete the loan will automatically convert.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX my car was broken into and thieves stole my wallet, keys and phone. The thieves purchased over {$15000.00} of goods on my credit cards at stores I never frequent. Chase approved all of those charges. 

I returned to my car that same day and noticed the theft and reported the card stolen immediately- I also called the police and filed a police report. 

Initially Chase resolved the claims and didn't charge me. About 20 days later they put {$11000.00} back on my account with no explanation. When I called them they informed me that since the " customer received goods or services '' and that " I approved the charges via text. '' I was liable for the purchases. 

I was a victim of fraud and had my phone stolen. I informed them on the call that I couldn't haven't approved the charges since I didn't have my phone at the time, which is documented in the police report. 

Please help me.

Company response to consumer: Closed with monetary relief