vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a loan from Chase, from XXXX to XXXX, with an amount of {$15000.00}. This loan was paid off and I have bank letter confirming that. ( Loan number XXXX ). 

I worked on sell my property and closing date was set on XX/XX/XXXX. Title company search found that this loan is still bonded to my property. I sent bank letter stating loan was paid off to title company and started to request lien release from Chase on XX/XX/XXXX, I got a case number from Chase Lien Release Customer Research-XXXX. Title company only needs to see lien release paperwork from Chase so that closing can proceed last week, but Chase insist that it will take time to complete its own research despite its staff agreed that this loaned was fully paid off. 

When I search online, there are over 2200 complaints ( 1806+473 ) online about mortgage service from Chase , I will attach screenshot. Its escalation office seems busy in handling similar case, which indicate this problem is wide-spread. I like federal agency to know about this. Bank should process lien release 10 years ago as soon as loan was paid off. Who knows whether or not the lien release paper was sent out to county office. Only federal office has its authority to ask them to show evidences, the bank will not show evidence to individual consumer. Bank may be negligent in  processing lien release and put pressure on consumer instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: FL

Complaint narrative:
XXXX/XXXX XXXX company placed my mortgage under bankruptcy that was discharged on XX/XX/XXXX. I have paid on time since opening the loan in XX/XX/XXXX. I have talked with them several time and they refuse to report my on time payments since XX/XX/XXXX. I did not include my mortgage in the bankruptcy but they say it doesn't matter. They said they will never report my payments to the credit bureau 's. I can't refinance for two years so i'm losing valuable info on my credit reports monthly. Also I am a XXXX XXXX XXXX XXXX XXXX  XXXX veteran.

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 2018-08-13 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: TX

Complaint narrative:
IN REGARD TO : EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE SENT CERTIFIED LETTERS DETAILING AND OUTLINING I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED AS WELL AS FORGERY IN MY NAME I HAVE SENT IN ALL SUPPORTING DOCUMENTATION AND ACCORDING TO THE FCRA EXPERIAN HAS VIOLATED MY CONSUMER RIGHTS AND I'M HIGHLY UPSET. 
THE WRONG FRAUDULENT NAMES LISTED ON MY CREDIT REPORT ALONG WITH THE WRONG FRAUDULENT ADDRESS LISTED HAS CAUSED ME FINAINACIAL HARDSHIP.

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 2018-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On Sunday, XX/XX/2018, we attempted to make a deposit at the Webster Bank ATM located on XXXX XXXX, XXXX XXXX, CT. 
The atm took my {$50.00} cash deposit, malfunctioned, didn't credit my checking account and printed out a note they they could not return my cash. 
I went to Webster Bank and explained what happened also showed the note from the atm machine so the person that I spoke to gave me a case # didn't even apologize for the inconvenience and then proceeded to tell me that they were not able to return my {$50.00} until an investigation and the atm was serviced which would take 7 to 10 business days which put me in a dire situation. I kept checking with the bank for an entire week and still have not gotten my money back.

We are on a limited income, only social security, which by the way, are direct deposited into the Webster Bank account. 
I had asked about a provisional credit for the deposit snd was told that they would get back to me and never did until Saturday, XX/XX/XXXX after hours do they were not able to speak to anyone until today. 
We feel that we were treated unfairly. 
The social security deposits are well over {$50.00}. They could have given us the provisional credit. We have banked with Webster for a long time and really didn't need this treatment. 
Because the {$50.00} credit was not applied, I had to borrow money to deposit to cover the checks that were not cleared yet. This was embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND 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 2018-08-13 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: CORELOGIC INC
State: TN

Complaint narrative:
I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND 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 2018-08-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I submitted a dispute on my Capital One Credit Card ending XXXX in early XX/XX/2018 regarding a dresser that was purchased back in XXXX of 2018. The dispute was due to the fact that The dresser received was structurally damaged and unusable. I took pictures of the dresser and sent them to the furniture company the same day the dresser was received and filed a claim with the furniture Company. I was getting ignored by the furniture company none of calls returned and no progress on the claim after roughly 45 days. So I decided to submit a dispute of the charge to capital one. I answered a questionnaire that was sent to me by capital one regarding the dispute and sent it back to Capital One via mail. I also called and advised a representative that the documentation was being sent that same day. However capital one knowing all this info still rebilled this amount back to my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13 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: CORELOGIC INC
State: LA

Complaint narrative:
On XX/XX/18 I inquired about information relating to the home buying process. I provided my name, email, and telephone number to XXXX XXXX. At XXXX on XX/XX/18 I received a call from XXXX XXXX associated with XXXX XXXX on a recorded line. 

I was asked if I wanted to give permission to do a hard inquiry on my credit report and I replied that I did not give permission for that, and I am not interested in continuing the process as I was just looking for information. 

On XX/XX/18 a hard inquiry was added to my credit report by Credco. On XX/XX/18 I contacted XXXX XXXX with XXXX XXXX via email at XXXX stating I would be filing a complaint due to a hard inquiry done without permission and my specific instructions not to do so. I received no response. I am awaiting a response from 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 2018-08-13 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: GA

Complaint narrative:
This Collection is incorrect and is not mine I do not owe and medical bills! I once disputed this and received a letter from the company that they sent it back to the original creditor and would be deleted off my report and shortly after it was taken off it was put right back on. I have submitted proof and they are still reporting which is causing my score to keep dropping every time they put it on there! It is reporting on Equifax and XXXX. 

This collection needs to be deleted immediately and they need to cease contact with me and my report as this is violation on their behalves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: GA

Complaint narrative:
This Collection is incorrect and is not mine I do not owe and medical bills! I once disputed this and received a letter from the company that they sent it back to the original creditor and would be deleted off my report and shortly after it was taken off it was put right back on. I have submitted proof and they are still reporting which is causing my score to keep dropping every time they put it on there! It is reporting on XXXX  and Experian. 

This collection needs to be deleted immediately and they need to cease contact with me and my report as this is violation on their behalves.

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 2018-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My vehicle ( XXXX XXXX XXXX ) was paid in full as of XX/XX/2018 ( account # XXXX ) with Bank Of America ( BOA ). I requested BOA to forward my address to the following : XXXX XXXX XXXX XXXX, CA. XXXX. My vehicle is registered in the state of XXXX. I spoke with supervisor ( XXXX at BOA ) regarding this issue. As of this date ( XX/XX/2018), I have not received my title.

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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have noticed that AMEX have placed an inquiry on my XXXX credit file dated XX/XX/2018. 

I spoke XXXX a XXXX customer service rep on XX/XX/2018 and was told he cant an unauthorized hard inquiry. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sonnenschein Financial Services, Inc.
State: IL

Complaint narrative:
I received a letter from the agency for a redlight ticket I paid in XX/XX/2017. They said the check was cashed but applied to another ticket of mine. I asked for proof of the other ticket because I never got anything from the town. Over the weekend we received a letter and a copy of a ticket for a XXXXXXXX XXXX  XXXX from XXXX XXXX Illinois. The letter says here is proof of your other ticket the letter was addressed to me but you can clearly see the ticket isn't mine. When I called to complain XXXX she said they were in there right to mail out the ticket and letter to me for Mr XXXX. I shouldn't have to pay someone elses ticket and it should have never been mailed to me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Company XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SC XXXX is trying to collect a debt that is not mine. False credit card from a XXXX XXXX XXXX that i never had and they are trying to collect {$720.00} on my Trans Union credit report only. I have sent validation letters to these people without any response back. They have had 2 validation letters sent out in the past 3 months with no response and they are still reporting erroneously on my Trans Union. Trans Union fails to verify properly and ignores the fact that i am concerned about this false account. I am reporting this complaint on XXXX as well as Trans Union for  not verifying this unknown debt. This is why i have a fraud alert on my credit report due to fraudulent debt collections such as stated above and credit bureaus not doing the proper verification, instead the credit bureaus use a computer ( e-oscar ) to verify and that it not appropriate for fraudulent debt collectors! Please remove Trans Union this is already in violation to the FDRA and XXXX is in violation of the FDCA

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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have noticed that XXXX have placed an inquiry on my Transunion credit file dated XX/XX/2018. 

I spoke XXXX a Transunion customer service rep on XX/XX/2018 and was told he cant an unauthorized hard inquiry. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Transunion report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''

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 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Hello, Sorry to bother you with this but I see no other choice, being a consumer fighting a big bank with departments to defend themselves, but to file complaints against my current bank for additional insurance charges that are not warranted and was never asked for. I have a loan that begin in XX/XX/2003 for an apartment/condo in XXXX. I'm the president of the condo board. Back about 7 years ago they wanted insurance that covered the wall studs in, which I provided although PNC Bank actual charged me but reverse it after I argued that I already had insurance covering that. Now they are claiming some other bogus claim that I do not have this or that insurance. First they claimed they never received my insurance coverage proof then once they got that they came up this claim that if I turn the building upside down it covers that. What? I did some research on this years ago and banks like PNC and XXXX XXXX were being sued for forcing mortgagees to buy insurance from companies that they either owned or had some affiliation to. So, if my bank which I signed an agreement with back in XX/XX/2003 decides that I need some type of insurance that they decide it should be enforceable? This sounds very corrupt and sets a bad precedence going forward. I would appreciate if you can notify them to stop trying to come up with created ways to charge me and others insurance so one of their affiliates can make money. I fully understand my insurance coverage and this is not justified and seems illegal. This is not my first run-in with PNC where they did everything to prevent me from refinancing my existing loan with them at a lower rate. Thank you for your time. 

Sincerely, XXXX XXXX XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Google Compare Credit Cards Inc.
State: KS

Complaint narrative:
XXXX XXXX applied a {$20.00} credit to my account XX/XX/2016. I didn't have a bill anymore from them so I call and they assured me the credit is there and when I close the account they would give it back to me. After I closed the account I do a chat to make Sure they are sending it to the right address. They tell me they see the credit but it is their policy not to give me the money. I said there is a big mistake so they continue to harasss me thinking I'm just going to drop it and they can keep my money. The manager acknowledge he wasn't sure if it was legal or not but he still wasn't going to give it back. They previous representative said it was on Google pay but when I talked to them they said they have nothing to do with XXXX XXXXXXXX. Google stole my money and they deceived me into thinking I would get it back later so I wouldn't file a complaint with my credit card.

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