vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Your escrow analysis was performed on XX/XX/XXXX. At this analysis, you have a surplus of {$120.00}. 
New Monthly Payment XXXX STARTING ON XX/XX/XXXX PRINCIPAL & INTEREST XXXX ESCROW XXXX County Tax XXXX COUNTY Parcel : XXXX Annual Amount : {$9700.00} Next Installment Due : XXXX XXXX, XXXX Hazard Insurance Policy : XXXX Annual Amount : {$2900.00} Next Installment Due : XXXX. XXXX, XXXX Your escrow analysis was performed on XX/XX/XXXX New Monthly Payment XXXX STARTING ON XX/XX/XXXX SURPLUS AMOUNT XXXX Escrow analysis was performed without taxes and insurance information. 
My first escrow analysis was performed from {$0.00}, that's when I first realized there were problems with this company and have continued to date. 
My mortgage went from XXXX to Mr. Cooper and every since the switch ; there have either been inconsistencies, incompetence or unscrupulous dealings from employees within the company. I have spoken to these so-called escrow specialists and have yet to be convinced they know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX performed a hard inquiry on my credit report without my consent and without notifying me that they intended to perform this inquiry. I was simply relocating my service with them across town. I called Equifax to dispute it. They told me to contact XXXX XXXX XXXX. XXXX XXXX XXXX said they could not help me and that only Equifax could help me. When I contacted Equifax again, I spoke with two low level customer service representatives before I spoke with XXXX  ( Agent ID XXXX ). XXXX refused to share her full name with me, but she did tell me she was a supervisor in the Dispute and Fraud Department located in the XXXX. They said they could not file a dispute for this action by XXXX XXXX XXXX and said I had to file a complaint with the FTC or a police report. I chose to file the complaint with the FTC because I felt like my local police department would think it was ridiculous to file a police report for something that should be handled by the credit agency, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX, I have visited BECU for the third time to dispute an unauthorized transactions ( using debit card and depositing forgery checks ) due to fraudulent scam. There is a negative balance of {$6200.00} on my savings account due to the fraudster depositing forgery checks and using those money that got returned afterwards. I have filed a police report on XX/XX/XXXX and gave it to BECU but they did not approve the unauthorized transaction. The fraudster, XXXX XXXX is also being charged for Identity Theft on XX/XX/XXXX but BECU ignore the fact and take no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: AR

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit report. I then pulled my credit report for myself and I notice unknown, suspicious accounts. Please remove these fraudulent accounts as soon as possible. 

US DEPT OF EDUCATION XXXX {$27000.00} XXXX XXXX XXXX   XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
CURRENT BILLING CYCLE : XX/XX/2019 TO XX/XX/2019 was due in the amount of {$260.00} was due on XX/XX/2019 a payment in the amount of {$260.00} was made on XX/XX/2019 which resulted in a remaining balance of XXXX due. On XX/XX/2019, I received a letter from USAA advising me that my account was at that point in time 30 days past due for an amount of XXXX cents. What I couldn't understand is if I made a payment on XX/XX/2019 and the letter was sent on XX/XX/2019 how the account became passed due 30 days for the XXXX cent difference. The letter stated that payment needed to be made prior to XX/XX/2019. On XX/XX/2019, I called and spoke with an agent to confirm if payment needed to be made or if I could pay it with the rest on XX/XX/2019, payment. I advised the agent that I wanted to confirm that it would not effect my credit and I was advised that it would not. On XX/XX/2019, a payment of {$260.00}, which was prior to the deadline of XX/XX/2019, which was reflecting on their letter. USAA and their agents have provided incorrect information causing my credit report to be hit for a 30 day past due payment for a mistake that they have committed on there end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
There's medical bills on my credit and I never received any bills for any rights about notification or anything about that I had record of medical bills on my credit report until I ran it I was never aware of it I had full coverage insurance I would have took care of it and even when I now send in paperwork proving it and also showing proof that I've never received any letters at all these companies still do not want to assist me by removing them from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I bought an international ticket where united airlines offers free checked in baggage already. United explorer card from Chase offers free first checked baggage listed in their terms of agreement. However this is false advertising as this no longer is a benefit claimed on the card when the cost of the ticket should cover the baggage checked already. This is a clear case deceptive advertising to the consumer and now I  would have to pay them {$100.00} for added baggage when I thought they would offer up an added luggage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITALONE FRAUD REFERENCE # XXXX I, XXXX XXXX, did not receive my new credit card because I moved. The credit card was received by an unknown person and the card was used for unauthorized purchases I did not make. I contacted the credit card company immediately when I discovered the unauthorized charges. Someone that said they were calling from Capital one contacted me in mid XXXX and asked me for a security code to prevent fraud. When I called to make my fraud claim I told the fraud representative about the strange call I received for a security code. They told me I would not be held liable for any unauthorized charges. However, Mr XXXX XXXX Stated that my claim was being denied because I had a fraud claim two years ago in 2018. I have no idea what that has to do with this new claim. I have had this card for years. Mr XXXX stated he did not believe me so he was denying my claim. I feel he is being unprofessional. I do not believe I should be held liable for unauthorized charges I did not make. I never been to the merchant that the charges that were made at before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have the Delta Reserve personal credit card from American Express, which rewards {$30000.00} in spend each year with XXXX Delta XXXX, and XXXX Delta skymiles.  As the year to date summary was saying that I spent over {$30000.00}, I requested American Express to verify this via online chat. On XX/XX/XXXX, I was assured that I had spent {$31000.00}, which was all eligible spending and would be " counted for the bonus XXXX and bonus miles ''. I had not received them on XXXX XXXX, XXXX, so inquired as to when they would be arriving. I was on that date told that I had spent {$34000.00}, and that I had qualified for the bonus. Amex keeps referencing returns, but I had no returns after XX/XX/XXXX, which should definitely have been accounted for by XXXX XXXX. 

As of XXXX, Amex is suddenly saying I only spent {$26000.00}, and after several disputes is refusing to grant me the bonus. Amex misled me into spending quite a bit of money on their card, while refusing to give me the bonus they promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04 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: AR

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit report. I then pulled my credit report for myself and I notice unknown, suspicious accounts. Please remove these fraudulent accounts as soon as possible. 

US DEPT OF EDUCATION XXXX {$27000.00} XXXX XXXX XXXX  XXXX {$0.00}

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 2020-02-04 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: AR

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit report. I then pulled my credit report for myself and I notice unknown, suspicious accounts. Please remove these fraudulent accounts as soon as possible. 

US DEPT OF EDUCATION XXXX {$27000.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-02-04 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: AR

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report. There are many derogatory items that do not belong to me. Please delete these items. 

XXXX XXXX  XXXX {$520.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX  XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have never made a late payment and have always paid over the minimum but im never accepted for credit limit increase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have 2 lenders that are unable to pull my Equifax report, so Im being denied credit. I have spent hours on the phone with Equifax and have no results or even answers except the problem is not with them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There were 5 inquiries made on my account on XX/XX/XXXX. I did not authorize all of these inquiries and they subsequently lowered my score. There were 3 more made on XX/XX/XXXX. I did not authorize all of these. I had to file bankruptcy a couple of years ago and I am trying to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2020, I successfully deposited {$1400.00} in cash to Chase bank at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I received a receipt, which is attached to this complaint, that proves the funds were successfully deposited to my bank account. In addition to being a receipt for the deposit transaction, it also proves that the balance posted to my account as available funds. 

On XX/XX/2020, I went to make another deposit at the ATM and my debit card did not work. I spoke with a teller who advised that my account was closed. I did not close my account. In regards to the {$1400.00} in question, the teller told me that the deposit was " rejected. '' I have proof, and so does the bank, that it was not " rejected. '' The funds posted to my account.

I was advised to call the number on the back of my debit card to file a " claim. '' The representative at that number said I can not file a claim because my account was closed, and that the branch manager had to. 

I filed the claim, and there is material fact ( evidence ) readily available that proves I deposited {$1400.00} to my account. However, I am being made to wait for an indefinite amount of time for an " investigation, '' and " physical inspection '' of the ATM. The evidence is in the documentation - I should not be made to wait excessive periods of time for an " investigation '' when the facts are apparent.

This is not an inconsequential amount, and my ability to pay bills is in question without the funds.

Do not do business with Chase - " programming errors '' or whatever excuse they may have does not relieve them of their responsibility to immediately provide me with my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: AR

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report. There are many derogatory items that do not belong to me. Please delete these items. 

XXXX XXXX  XXXX {$520.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$240.00}

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 2020-02-04 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: AR

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report. There are many derogatory items that do not belong to me. Please delete these items. 

XXXX XXXX  XXXX {$520.00} XXXX  XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX  XXXX {$240.00}

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 2020-02-04 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have three Navient tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by Sallie Mae/Navient representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville Collections # XXXX is reporting a collection to my credit with a balance that was paid off in 2016. There is no reason this should still be reporting a balance and I would like it removed off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: MN

Complaint narrative:
A company called XXXX XXXX XXXX  is trying to sue me for a credit card debt that does not exist. I have contacted XXXX XXXX XXXX  on many occasions, filed a Cease and Desist Letter on XX/XX/XXXX and yet they are still trying to sue me for a non-existent debt. XXXX can not find ANY record of this card tied to my social security number. I spoke multiple times with XXXX and confirmed this. On XX/XX/XXXX the XXXX Security Operations officer confirmed once again, there is no debt tied to my social security number. She suggested I contact XXXX, the Consumer Financial Protection Bureau and the State Attorney General as this company is violating the Fair Debt Collections Practice Act. This 3rd party debt collector has harassed me for a year and a half and keeps trying to get more personal information from me over a debt that does not exist, and I am very concerned about Identity Theft. There is NOTHING on any of my 3 credit reports pertaining to this card. I was informed by XXXX Fraud department that XXXX XXXX  XXXX  is in violation of the Fair Debt Collections Practices Act. I want this lawsuit and harassment to stop ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-02-04 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: AR

Complaint narrative:
I received a couple of bills in the mail stating that I needed to make a payment for a loan. I don't owe a loan. I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two loans  and a couple of other fraudulent items that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED  XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation