vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: OH

Complaint narrative:
Around or about XXXX, second or third I Lost my usbank relia card @ XXXX XXXX. I canceled my card and asked for a replacement card. When I received the new card I was unable to activate it. Relia card services told me to fax in my vital statistics to verify my identity. On XX/XX/2020 I faxed the verification from the library. Later I was told they didn't receive it. I faxed it again and again. I was told it wasn't legible. So I mailed it in. And they are still not releasing my pandemic unemployment assistance in the amount of {$1400.00}. it is now XXXX. I have been hung up on and talked to very disrespectfully. Now customer service is saying I have to send them a XXXX or any of my tax information then I informed them that I'm on pandemic assistance. I don't have a XXXX. I didn't make enough money to file I only made {$100.00} XXXX {$150.00} a month getting XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A card services company should not be asking for my tax information anyway. Then they want me to take a selfie with my id held next to my Face but the web site is bogus and also ask for your card number and pin number ... I'm behind in rent and utilities and can really use the help to them to release my pandemic assistance

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 2020-11-15 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX XXXX : XXXX is reporting no late payments, XXXX is reporting a a payment status of Current but a late payment of 30 days late in XX/XX/XXXX and Equifax is reporting no late payments, XXXX : XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, Equifax is reporting a payment status of Current but a late payment of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and Equifax is not reporting this account, XXXX  Account Number XXXX XXXX and Equifax is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX XXXX : XXXX is reporting no late payments, Experian is reporting a a payment status of Current but a late payment of 30 days late in XX/XX/XXXX and XXXX is reporting no late payments, XXXX : XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, Experian is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but a late payment of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian is reporting an opened date of XX/XX/XXXX and XXXX is not reporting this account, XXXX  Account Number XXXX XXXX and XXXX is not reporting this account, Experian is reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Bankruptcy filing that was dismissed and should have been removed from my credit. Bankruptcy was file in 2014. 

Also loan modification on current mortgage but late payments that were required to even be considered for a modification are still showing on mortgage.

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 2020-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Bankruptcy filing that was dismissed and should have been removed from my credit. Bankruptcy was file in 2014. 

Also loan modification on current mortgage but late payments that were required to even be considered for a modification are still showing on mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Currently in a forbearance with my mortgage company and I was looking for a way to extend my repayment options .... possibly 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020, I contacted capital one concerning my late payments due to the pandemic. I was told that there is nothing they can do about it and they can't take it off my credit. I can't get a mortgage loan due to these late payments. The company could not help me with this unfair situation. Right now I'm up-to-date with my payments and they can't still do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: OH

Complaint narrative:
AFNI is attempting an alleged debt that I have No Knowledge of and I never received a written notice regarding this debt. Pursuant to the FCRA the FDCPA and the XXXX as a consumer I feel that my rights were violated because this agency place this derogatory information on my report without due process. The alleged amount is : $ XXXXThe Original Creditor is : XXXX  As a consumer I should have been given the right pursuant to federal law to receive notice of this matter and the right to request validation of this debt. This never happened and this firm is in violation of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I no longer want my Chime account. If they will close the account asap! 

I read local news article about hackers getting into Chime accounts and Chime did little to help recover funds for Chime customers. 

Chime seemed like a nice bank or alternative years ago. I just don't find their bank useful to me anymore. 

Maybe one day they will improve services. It is currently hard to reach customer service by phone or email so have no objection that once Chime receives this complaint that they may close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 AMEX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2019 my card was charged {$740.00} by XXXX XXXX XXXX  XXXX, which I've learned is a dinner cruise service in XXXX. I'm assuming the person that made the charge gave my contact information. I absolutely did not make this purchase. I originally tried contacting the company last year and they said they'll send the police to the IP address that made the purchase. I was looking forward to this as I was thinking it would help my resolution, however if the police came, they did not come to my address. After this I tried contacting the company a few months later and they made a ticket for my case but I never received anything from them after either to my personal email or in terms of a phone call. I originally filed a dispute with my Chase Credit card but they ruled against my favor. They asked for proof that I did not make the transaction but obviously I can not provide proof that I did not do something in terms of going on a cruise and making the transaction. This year, I have subsequently filed another dispute, where they came back asking for proof again, to which I did not have any. This again got ruled against my favor. I also tried reaching out to the XXXX  company but since COVID-19 getting in touch with them has been very difficult. This includes very long hold times and at first, not even taking custom service requests over the phone. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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:
On XX/XX/2020, EXPERIAN XXXX XXXX add a hard inquiry on my credit report per Experian.

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 2020-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
Hello so Ive recently had a chime account for a couple of months Ive recently received my disaster fund from Arizona chime closed my account because they said they detected fraud Ive sent them documents Ive even sent them a picture of my self to let them know this is not fraud and customer service still havent looked at my documents they take forever to respond I have to contact them and then all they tell me is they cant give me any information about my account I just wan na get access to my money me and my family are going through a rough time we are XXXX  that money from the disaster is suppose to help us until we can figure out were to go please can you guys help me get my account back open I really need that money they are also holding my direct deposit from my unemployment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
CONVERGENT OUTSOURCING ( a collection agency ) has placed derogatory information on my credit report. The alleged debt is for : {$1300.00} and the original creditor is : XXXX XXXX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. In addition to that pursuant to the FCRA, FCBA and the FDCPA I never received any written notice at any time to notify me of their attempts to collect on this alleged debt. 

Pursuant to the federal law my rights were violated as a consumer and the have violated a federal law. Especially for placing invalid derogatory information on my credit reports and they should not be allowed to get away with this unfair practice

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 2020-11-15 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:
On XX/XX/2020, THD/CBNA add a hard inquiry on my credit report per 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 2020-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid and closed my account.kohls returned and stated I owe XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
My loan to value is 74 % .By Law, LTV as soon as drops below 80 %, they should remove PMI. But they didn't. They keep charging me Private mortgage insurance {$110.00} each month. Can u Please help me out to remove PMI from my escrow account .I never missed payment. since 2005. ( Only some times few days late .They charge {$42.00} for late payment ) But not every month. They keep charging mortgage insurance. Current LTV on the basis of appraised value of 2005 is about 74 % .But Current house value according to XXXX XXXX XXXX XXXX  XXXX XXXX XXXXSo Current LTV should be around 71 % .XXXX  is about the same as XXXX XXXX XXXX. Due to this reason By law I m not required to pay PMI .Please help me to remove PMI from my mortgage account. Its been almost 16 years I m paying Private Mortgage Insurance. Thanks`

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion refuses to address or adhere to the law. You had 30 days. Your 30 days are up. You did not investigate. You do not get to investigate 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 2020-11-15 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Good evening, To whom it may concern, I paid Shellpoint Mortgage double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent NEW REZ a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to NEW REZ and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I also did not accrue any late fees which means my payment was not considered late on their end. The representative reassured me that credit reporting would not occur due to seeing the funds available for transfer. I am disputing to have the report removed from my credit. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: SC

Complaint narrative:
There are several accounts on my credit report in error. I ask that they be investigated into and then the credit bureau takes the next appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander is in a lawsuit settlement for unlawful practices with lending. I obtain a loan with them in XX/XX/2018. I was in an auto accident and could not to continue on the loan. The loan was written off as a loss but I believe that this mediation should be able to get me loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good evening, To whom it may concern, I paid XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX XXXX and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I also did not accrue any late fees which means my payment was not considered late on their end. The representative reassured me that credit reporting would not occur due to seeing the funds available for transfer. I am disputing to have the report removed from my credit. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.

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 2020-11-15 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: FL

Complaint narrative:
Good evening, To whom it may concern, I paid XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX XXXX and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I also did not accrue any late fees which means my payment was not considered late on their end. The representative reassured me that credit reporting would not occur due to seeing the funds available for transfer. I am disputing to have the report removed from my credit. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.

Company response to consumer: Closed with explanation