vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX / Zelle Transfer of {$1500.00} was sent to the wrong phone number for rent payment. 

ZELE CASE NUMBER : Zelle Case : XXXX WRONG # : XXXX ) XXXX CORRECT # : XXXX ) XXXX We contacted XXXX bank the same day when error was realized. They open a " attempt to recover '' claim due to customer error. 

We also contracted ; XXXX XXXX at phone number : XXXX ) XXXX He informed us that he contacted his bank ( XXXX XXXX ) and informed them of the error and requested they send the money back to me. I have been in contract with the branch manager at XXXX XXXX at the below address. This is the location the receiver of our funds also went in regarding the issue. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX withdrawn the funds from the receivers account and has refused to give me any updates to date XXXX XXXX informed me that XXXX XXXX closed their attempt to recover because XXXX XXXX declined their attempt. They will no open another attempt to recover claim. 

XXXX XXXX provided me with a case number : CASE NUMBER : XXXX and their Faud Departments phone # : XXXX ) XXXX As of today XXXX XXXX XXXX will not provide me with any information. They have declined providing me with proof of my funds being sent back to us and will not provide us with any resolution. We are currently facing an eviction due to us not having those funds to pay our rent in over 30 days. My boyfriend is out of work due to the COVID-19 pandemic. and we are struggling to survive due to this issue. We beg someone help us. XXXX XXXX will not provide us with our money back even when they took it from the receiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Hello and thank you for your consideration. I have a Chase credit card that I have been using for at least 10 years. I have plenty of credit on the card with an outstanding balance of app. {$5500.00}. I have been paying more than TWICE the minimum to clear up this balance. Along comes the Coronavirus and my employment stopped. I work for XXXX/XXXX XXXX XXXX XXXX travelling throughout the country keeping the XXXX  XXXX  XXXX  and XXXX. The program shut down and I havent worked since XXXX. Things are very tight so I called Chase on XX/XX/XXXX and spoke with XXXX who said that I could skip XX/XX/XXXX payment ( due date ). I thanked her and asked about going forward after that date. She said to call again and that they would be able to help me after the next bill is generated. I wnr an email to Chase thanking them and outlining my call to XXXX. In my email I told them of my situation and asked what they could do for me. Their response was that I was to pay the minimum amount!!! Apparently there is nothing more that they will do for me. Paying the minimum amount has ALWAYS been " the rule ''! Once we are up and flying again my job will return. At that point I could pay THREE times the minimum amount. I just dont know how long we will be laid off. Its my only income and I am stuck. I can not make these payments. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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:
To Whom It May Concern, I am looking through my credit report file on XX/XX/XXXX I noticed some inaccurate information. The following information is inaccurate ... I never made any of the following. Was not authorized by me. 

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also have a Derogatory mark showing on my credit report. I was told this would be removed. I will send you a picture of it still being up on my report. This should be removed. Any questions feel free to reach out 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 explanation
Consumer complaint received 2020-04-03 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: HI

Complaint narrative:
I call and told them Experian this a fraudulent account. I noticed there are late payments listed under the collection account XXXX XXXX. From my understanding collection accounts are not supposed to include a payment history of late payments as I do not have a payment agreements currently set in place with this agency. This collection claiming a history of late payments is a false representation to my relationship with them. They can not report any payment history on the account form the alleged creditor before them. A collection is by default derogatory, this goes without say. Please delete this from my credit report immediately. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I opened a credit card through amazon prime in 2019, issued by JP Morgan Chase. 

I never received the credit card nor a bill. 

Apparently Amazon prime made this my default payment WITHOUT MY CONSENT. 

Some items were ordered, totaling around {$98.00}. 

I never received a bill or the credit card. The only way I found out is when I saw my credit report and it had been reported as delinquent. 

I called and immediately made a payment, including a late fee. 

They refused to remove from my credit report, which will cause me great financial harm. I have never had a delinquent payment. 

I WANT THIS REMOVED FROM ALL THREE CREDIT BUREAUS IMMEDIATLY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: OK

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
NUMEROUS TIMES I HAVE REACHED OUT TO YOU AND ALSO TO XXXX  AND THE 2 CREDITOR ON MY CREDIT REPORT. BUT I GET NO RESULTS, SINCE EVERYONE SITTING IN THEIR NICE OFFICES ARE COMING TO SOME CONCLUSIONS. THIS ACCOUNTS WERE OPENED WITHOUT MY CONSENT, MY PERSONAL INFORMATION WAS STOLEN, MY EAIL, MY MAILBOX WHY IS IT SO HARD FOR YOU GUYS TO UNDERSTAND THIS, AND I HONESTLY BELIEVE THIS IS I AM NOT THE ONLY PERSON WHO HAS THIS ISSUE, I BELIEVE UNTIL THIS HAPPENS TO ONE OF YOU YOU WILL NOT UNDERSTAND HOW DIFFICULT IT IS TO PROOVE YOUR INNOCENCE. I HOPE THIS NEVER HAPPENS TO ANYONE BECAUSE NOT ONLY YOU HAVE TO DEAL WITH PEOPLE LIKE YOU WHO DOESN OT BELIEVE AND YOU HAVE TO CHANGE EVERYTHING WITH THE POST OFFICE FOR ME I HAD TO CLOSE MY BANK ACCOUNT AND GO TO COMPLETELY DIFFERENT BANKING INSTITUTION, I AM VICTIM OF AN IDENTITY THEFT, I NEED THESE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
NUMEROUS TIMES I HAVE REACHED OUT TO YOU AND ALSO TO XXXX  AND THE 2 CREDITOR ON MY CREDIT REPORT. BUT I GET NO RESULTS, SINCE EVERYONE SITTING IN THEIR NICE OFFICES ARE COMING TO SOME CONCLUSIONS. THIS ACCOUNTS WERE OPENED WITHOUT MY CONSENT, MY PERSONAL INFORMATION WAS STOLEN, MY EAIL, MY MAILBOX WHY IS IT SO HARD FOR YOU GUYS TO UNDERSTAND THIS, AND I HONESTLY BELIEVE THIS IS I AM NOT THE ONLY PERSON WHO HAS THIS ISSUE, I BELIEVE UNTIL THIS HAPPENS TO ONE OF YOU YOU WILL NOT UNDERSTAND HOW DIFFICULT IT IS TO PROOVE YOUR INNOCENCE. I HOPE THIS NEVER HAPPENS TO ANYONE BECAUSE NOT ONLY YOU HAVE TO DEAL WITH PEOPLE LIKE YOU WHO DOESN OT BELIEVE AND YOU HAVE TO CHANGE EVERYTHING WITH THE POST OFFICE FOR ME I HAD TO CLOSE MY BANK ACCOUNT AND GO TO COMPLETELY DIFFERENT BANKING INSTITUTION, I AM VICTIM OF AN IDENTITY THEFT, I NEED THESE FRAUDULENT ACCOUNTS 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 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
My loan was sold or a change is service took place during the first half of XXXX to XXXX NMSL # XXXX ( aka LoanCare NMLS # XXXX ). I paid my loan payments regularly as a scheduled payment from my bank. After the transition happened, I noticed some payments were missing. I have called Customer Care and eventually got transferred to payment research group via email. Their initial response to my request on XX/XX/XXXX basically did nothing and asked for proof of payment. I got proof of payment ( attached along with payment application schedule ) and submitted again on XX/XX/XXXX with a follow up on XX/XX/XXXX. There have been no response or any resolution though they tout 2 day turnaround on these requests. 

I am missing 2 payments of {$1500.00} each from XXXX and XX/XX/XXXX. I have done an analysis from the data listed on their website of my payments and application of payments over a year where I point out the missing payments on the attached Excel file. At this stage, I have contacted them multiple times via phone for resolution and through the payment research email support channel. I have no confidence in their interest or efforts in resolving these issue and would appreciate any 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 explanation
Consumer complaint received 2020-04-03 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX RE : Recent Investigation XX/XX/2020 To Whom It May Concern : I am writing this letter because after your investigation there are still errors on my credit report specifically the following accounts : XXXX XXXX XXXX {$4000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$790.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$5200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX  XXXX {$30000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$4200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$950.00} Violating FCRA Section 611 Part ( A ) ( 1 ) CREDIT BUREAU SERVICES A {$2800.00} Violating FCRA Section 611 Part ( A ) ( XXXX ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$910.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1100.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX  XXXX {$380.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX  XXXX {$280.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX  {$18000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX XXXX XXXX XXXX {$5300.00} Violating FCRA Section 611 Part ( A ) ( 1 ) To avoid litigation please remove the accounts from my credit reports immediately. You have 30 days. 


Thank you. 

Sincerely, Your XXXX XXXX CC : 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 2020-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been having a collection on my credit report the agency name is XXXX XXXX  XXXX reporting for XXXX XXXX. I paid {$110.00} in return for them to report the collection from my report. It is on my XXXX  and Transunion credit report. The collection has been on there since I put in a dispute in XXXX and I keep getting transferred to departments that can't help me. I received a letter from XXXX XXXX  XXXX on XX/XX/XXXX stating they would have the collection deleted from both reporting agencies. This is stopping me from getting approved for a house and it should be removed already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I am a veteran. The VA approved payment of all my medical bills that are being charged to myself in this bill. The VA tells me to have the company send them the medical bill so they can pay it. However, no matter how many times I attempt the company with the address to send the bill, they ignore me and continue to send me the bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX DOB : XXXX RE : Recent Investigation XX/XX/2020 To Whom It May Concern : I am writing this letter because after your investigation there are still errors on my credit report specifically the following accounts : XXXX XXXX XXXX {$4000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$790.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$5200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX  XXXX {$30000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX/XXXX XXXX {$4200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$950.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX XXXX {$2800.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$910.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1100.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$380.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$280.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX  XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$18000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX XXXX XXXX XXXX {$5300.00} Violating FCRA Section 611 Part ( A ) ( 1 ) To avoid litigation please remove the accounts from my credit reports immediately. You have 30 days. 


Thank you. 

Sincerely, Your XXXX XXXX CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX RE : Recent Investigation XX/XX/2020 To Whom It May Concern : I am writing this letter because after your investigation there are still errors on my credit report specifically the following accounts : XXXX XXXX XXXX {$4000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) JXXXX XXXX XXXX {$790.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$5200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX  XXXX {$30000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX/XXXX XXXX {$4200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX  {$950.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX XXXX {$2800.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$910.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1100.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXXXXXX {$380.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$280.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX  XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX  {$18000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX XXXX XXXX XXXX {$5300.00} Violating FCRA Section 611 Part ( A ) ( 1 ) To avoid litigation please remove the accounts from my credit reports immediately. You have 30 days. 


Thank you. 

Sincerely, Your XXXX XXXX CC : 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 2020-04-03 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: OK

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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
Consumer complaint received 2020-04-03 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: OK

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
On XX/XX/2020 I called fortiva cause I noticed that my account was closed when I checking my online account so I called to find out why my account was closed and not given the proper notification that is required by law. After speaking with XXXX who refused to give me his employee so I could better identify him. Told me a manger would call me 2-3 business days. Well on XX/XX/XXXX a manger called named XXXX Told me he could not answer my questions and in 2-3 business days he would receive a call from a different manager. Well that never happened Im not sure XXXX  was even a manger. This is the 3 rd time they have closed my account with out send out in the mail proper notification. And when you call they say they do not have to. They keep saying they have right to close my account and I agree they do. I do lot even care what the reason is. There needs to be consequences for them doing this. Also like to know why I never got call from second manger

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper is acting in bad faith regarding a real estate transaction At issue is a short sale request that was submitted an approved on my home. During the buyer 's process of buying the home there were several unknown factors that came out during the inspection. As part of any contract it is standard to deducted for materially defective functionality of the home. As evidenced by the attached there is significant issues such as the roof which could not have been known unless somebody went on top of the home. The buyer is seeking a very reasonable reduction ESPECIALLY considering we are in a PANDEMIC and people aren't buying homes right now. Instead of Mr. Cooper doing what they are LEGALLY required to do and reduce the asking price they are trying to have the buyer pay more for the home than what it is now worth. This is RIDICULOUS as the property values will be CRASHING DOWN shortly with XXXX XXXX new unemployment filings. Mr. Cooper needs to be led to reality at this point.

Company response to consumer: Closed with explanation