vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
The details are covered in CFPB complaint # XXXX I did get a response to the complaint from NewRez, but it is incomplete and inaccurate : 1. The Town taxes listed on the NewRez web portal show {$3200.00} payment due on XX/XX/2020 and {$3200.00} payment due on XX/XX/2020. These are incorrect for the property in XXXX, MA. These are actually the tax values for my property in XXXX, MA. So the tax information is still incorrect and needs to be updated by NewRez 2. The Insurance information supplied by NewRez is for my property in XXXX, MA and it clearly states this in the information that was sent in response to my complaint. The policy premium listed in the Doc and on the NewRez portal ( {$1300.00} ) is for the XXXX property. XXXX XXXX has the policy and loan information correct for both the XXXX and XXXX properties. NewRez needs to update their incorrect information. 

3. I have not received a response to my request for a root cause of the initial problem with the incorrect property address in the NewRez system. And I did not get a response to my request for compensation for the time that I have had to take to resolve all of NewRez 's problem servicing my loan. 

4. I have now left 2 voicemail messages with XXXX XXXX ( listed as the Compliance Department contact ) - with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Sent a letter asking the company to verify or provide me with what money they say I owe, a detailed explanation of how they have that information, a verification or copy of judgement if applicable, name and address of original creditor, proof that the statute of limitations has not expired etc.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
American Express dated on XX/XX/2019 pulled a inquiry on my XXXX  Credit Report that I have not applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I was getting at least 4-5 calls a day for about 5 months, due to my continued debt. 
I did understand that I did owe this money, but for the 5 months I wasn't working I could not afford to pay this bill, and have contacted them since then to let them know about my no job situation. I have a least 3 different numbers that i can provide to show how many calls/people were contacting me due to this balance. Although I have been a long standing customer of XXXX XXXX and have always paid my credit card for the past 4 years I have had the card, before the balance got this bad. After it reached this company due to my debt I had a very unprofessional and aggressive conversation with a individual that was threatening to take me to court if i did not resolve this matter that day. There should be phone recorded conversations of this call. I will be providing the company name and numbers that have been calling me. 
Midland Credit Management # XXXX # XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: CA

Complaint narrative:
I called US Bank Visa credit card ending in XXXX requested a forbearance as I was impacted by the Corona virus and they denied my request and us Bank Visa Credit Card indicated that if I was 30 days late they would report it to the credit reporting companies

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 2020-03-24 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: GA

Complaint narrative:
There are inaccurate information reporting on my credit file : Addresses : XXXX XXXX XXXX, MS and XXXX XXXX XXXX, MS I was never 60 days late on my XXXX/XXXX  XXXX account. Please verify this information and provide me with proof of this verification. 

I was never 30 days late on my XXXX/XXXX  account. Please verify this information and provide me with proof of this verification. 

These are not my inquiries. Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: GA

Complaint narrative:
There are inaccurate information reporting on my credit file : Addresses : XXXX XXXX XXXX, MS and XXXX XXXX XXXX, MS I was never 60 days late on my XXXX/XXXX  XXXX account. Please verify this information and provide me with proof of this verification. 

I was never 30 days late on my XXXX/XXXX account. Please verify this information and provide me with proof of this verification. 

These are not my inquiries. Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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:
fraudulent accounts shows on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Here I am again fighting Portfolio Recovery and their IMMEDIATE removal of the XXXX account they have bought. XXXX deleted the file because they have no PROOF as required under the FCRA and FDCPA and still Portfolio insists they can keep reporting this account to XXXX   without PROOF of my physical signature of a contract between ME and PORTFOLIO It DOES NOT EXIST they can not. Sending me statements is not proof I have a contractual account with Portfolio and it must legally be removed immediately. 



Again : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: CA

Complaint narrative:
On XX/XX/2020 we deposited two checks into our personal checking account at Chase Bank in XXXX XXXX, Ca through the ATM. We received a receipt that stated the funds would be available in XXXX business days. This is not unusual in our experience with Chase Bank. 

On Friday XX/XX/2020 the funds were still not available. 

On Monday XX/XX/2020 we called Chase bank for an explanation. We waited on hold for several hours while we were passed to various departments. The customer service representative told us the funds would be available tomorrow ( XXXX XXXX ). She said we could wait another few hours on hold to talk to another department but they would only give us the same information. 

On Tuesday XX/XX/2020 the funds were still not available. After two hours on hold and despite a state mandate to shelter-in-place we were forced to put our lives at risk and drive to our local branch for help. Still on hold, we met with the bank manager to review our account. He said the funds were placed on a XXXX hold but did not know why. At that point, customer service finally answered. We were transferred the the check verification department and waited another 40 minutes. That person told us they would not release our funds. The bank manager asked her if the funds had been collected from our grandparents bank. At that point the customer service representative, reminded the bank manager that this was a recorded call. She said this three times during our conversation. She told him and us there is nothing they would do.

We told the bank manager that this has never been our experience with personal or business banking. Ever.

We are overdrawn and have no money for food, gas or supplies. The bank manager, himself, withdrew {$400.00} in cash from our already overdrawn account so we could have something to survive on.

Our business is public facing and relies on large public crowds. We are absolutely crippled and at the mercy of generous family members and a bank manager who had an ounce of compassion. 

We believe that Chase Bank put into policy during a global crisis to place longer holds on deposited checks to make money on their end at the grave expense of the consumer. We can prove the funds were collected almost immediately from our grandparents account. We can prove we have never had a 10-day hold on business or private funds previously. This is exceptionally unusual in our banking experience. This has caused us tremendous harm. 

If this is happening to us, it is happening to others. We are crippled. Banks are the first to be bailed out and the last to help. They must put an end to this policy especially during times of extreme crisis. This is unimaginable negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Called XXXX XXXX XXXX XXXX several times to ask why did three accounts still show potentially negative on my credit when I pulled my eperian credit report after the three accounts were paid in full and never late. Shows account ic closed and paid in full but still says potentially negative.

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 2020-03-24 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: NC

Complaint narrative:
Called XXXX XXXX XXXX XXXX several times to ask why did three accounts still show potentially negative on my credit when I pulled my eperian credit report after the three accounts were paid in full and never late. Shows account ic closed and paid in full but still says potentially negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Called XXXX XXXX XXXX XXXX several times to ask why did three accounts still show potentially negative on my credit when I pulled my eperian credit report after the three accounts were paid in full and never late. Shows account ic closed and paid in full but still says potentially negative.

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 2020-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
I applied online for a personal loan, and received an email stating I was approved. The email stated : " You areApprovedfor your loan offer ( s ) upon meeting the following conditions : Verification of your identity and addressVerification of your monthly income and review of your expenses* to determine if the loan payment fits your budget according to our lending guidelinesThe value of your motor vehicle to be used as collateral is sufficient according to our guidelines ( secured loans only ) *We will review your monthly income minus your monthly expenses ( such as mortgage payments, auto payments and utilities ). '' I have submitted those documents, but the lender came back and denied my loan due to unrelated items. They stated they declined the loan due to my credit report, which they already had when I received this approval email. I dont think it is right, or legal, to approve me for a loan submitted online based on my credit, then come back a day later and decline my loan based on the same information they had available to them when they approved my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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:
fraudulent accounts shows 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 2020-03-24 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:
fraudulent accounts shows 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 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have contacted the company several times in the past regarding the inaccurate reporting of the mortgage loan on my credit report and the claim there is noting they can do because I filed bankruptcy and they can not report after that date even though the loan is still open and being paid on. How it is being reported on my credit report needs to be corrected somehow to reflect accurately! 

It is beginning to negatively affect me. I recently had credit denied XX/XX/20 because, " Lack of real estate secured loan information ''. The account information has an incorrect balance, missing payment amount, the account status is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Here I am again fighting XXXX XXXX and their IMMEDIATE removal of the XXXX account they have bought. XXXX deleted the file because they have no PROOF as required under the FCRA and FDCPA and still XXXX  insists they can keep reporting this account to EQUIFAX without PROOF of my physical signature of a contract between ME and XXXX  It DOES NOT EXIST they can not. Sending me statements is not proof I have a contractual account with XXXX and it must legally be removed immediately. 



Again : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been calling and emailing Chase Mortgage daily. 
After 4 hours yesterday I did get through. Despite the federal government guidelines, they are NOT offering deferred mortgage payments. They will only waive the late fee for 90 days. 
I lost my job, as did my XXXX adult children. 

They won't explain what happens, but say I will owe all the past due payments in 90 days. 
This is not what the news about deferred mortgage payments are saying. The news is saying homeowners will be allowed to defer payments. 
Chase Mortgage company will not!! 
Please help. 

They complained about all the incoming calls, I said if they would do the right thing maybe everyone would not need to call. I asked them to keep me updated if they make a decision, they said they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I was getting at least 4-5 calls a day for about 5 months, due to my continued debt.

I did understand that I did owe this money, but for the 5 months I wasn't working I could not afford to pay this bill, and have contacted them since then to let them know about my no job situation. I have a least 3 different numbers that i can provide to show how many calls/people were contacting me due to this balance. Although I have been a long standing customer of Victoria Secrete and have always paid my credit card for the past 4 years I have had the card, before the balance got this bad. After it reached this company due to my debt I had a very unprofessional and aggressive conversation with a individual that was threatening to take me to court if i did not resolve this matter that day. There should be phone recorded conversations of this call. I will be providing the company name and numbers that have been calling me. 
XXXX XXXX XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Worth Finance Corporation
State: TX

Complaint narrative:
I received a letter with a check for XXXX dollars as part of a pre-approved loan. I never asked for the load nor applied for any loans in last 2 years. The terms in the back are as follows : Annual Percentage Rate : 88.76 % Finance Charge : {$450.00} Amount Financed : XXXX Total of Payments : XXXX This seems really like a predatory practice as it comes right around the time of a stimulus that will give people about this much or a little more. They interest rate is just out of this world.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was made aware of a potential fraudulent double charge on my credit card on XX/XX/XXXX. Synchrony bank called me to alert me. I had not been to either store or location when told about the charges. They immediately closed my card and began investigation. I was alerted three weeks later that they denied my claim saying I potentially benefitted from the transaction. I immediately called to speak with a supervisor and we discussed the purchases, locations of purchase and times of purchase. I have never been to XXXX Georgia nor those stores which I mapped were in the same shopping center. They agreed there was not a proper investigation and reopened the fraud claim on XX/XX/XXXX. However, on XX/XX/XXXX I was notified with a letter that said it was denied saying I potentially benefited, participates or Authorized the purchase. Again I did not purchase anything from XXXX XXXX for {$190.00} not XXXX  for XXXX. I only use an app for XXXX and it is linked to my XXXX  not this MasterCard.

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 2020-03-24 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 sending a attachment with the list of the Identity theft on my personal information some one used and open credit accounts.

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