vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 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 HONDA FINANCE CORP
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXXXXXX XXXX XXXX and American Honda Finance. The Account Opened is XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. The Account Opened is American Honda Finance Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello, I've noticed many unauthorized transactions and brought these matters to the executive office as well. I was promised several calls back and only received 1 out of 5 calls thus far since the month of XXXX. 

I would have a temporarily credit added to my account, that gets reversed without an explanation within a few days later. 

My account is all out of place and it's something that they know and will not tell me. Which I believe is funny business within the company. 

This is a severe issue and I really need someone to look into this company. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are un-authorized inquiries on my 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 2021-10-12 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XX/XX/2021 Rocket mortgage ran mine and my wifes credit without consent. I explicitly stated that I did not want my credit ran and this time for a refinance. They instead pulled both of our socials from there information ( Im a current customer ) and did it anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
Monday, XX/XX/2021, I requested, online, a withdrawal of all my crypto-currency for a value of USD {$1500.00}. It was supposed to be transferred to my bank account automatically. 

As of today, Tuesday, XX/XX/2021, I did not receive anything yet. It's been ten days that I have been waiting for my money. My bank charged me twelve times {$34.00} fee for insufficient funds. I did not pay my mortgage last week because I did not receive this amount. If I knew that would take forever, I would have requested a withdrawal a long time ago. 

Their customer services are by chat online, and I requested that a supervisor call me back because of this significant issue. Still, the chat representative wrote me that nobody was available. According to the representative, the problem is that there's an internal issue to transfer the money. He added that it will be deposited as soon as possible. As soon as possible means nothing. They don't care, and they don't even talk to their clients, they chat. 

THEY ARE KEEPING MY MONEY HOSTAGE FOR MORE THAN 10 DAYS WITHOUT ANY EXPLANATIONS, AND THAT CAUSED AND STILL CAUSING ME FINANCIAL HARDSHIP AND EXTREME LEVELS OF STRESS. I CAN NOT SLEEP, AND I DON'T KNOW WHAT THE MORTGAGE COMPANY WILL DO WITH MY CASE DUE TO CRYPTO.COM

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 2021-10-12 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
Receiving weekly voice messages from caller stating she is XXXX XXXX attempting to find location information about XXXX XXXX, call back # is XXXX, extention XXXX. This problem apparently is occurring with my tenants whom share the same address. We do not know this XXXX XXXX person nor have any association with this company. Obviously this company is utilizing open source searches to connect anyone whom may have nexus to the debitor, and keep on contacting unrelated persons until they find Ms. XXXX. 

Attempts to contact the phone number provided, they ignored our request to remove our number from their calling list, these phone calls & voice-mails continue. Last contact was yesterday, XXXX, at XXXX. A search of XXXX came back to Alliant Capital Management, a debt collection agency. Caller ID shows these calls are from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: TX

Complaint narrative:
Equifax. com and myequifax.com do not allow me to log in to my account if I don't pay them, when it is free to access, they blocked my account to have access to it, even the basic feature they block me using it such as freezing lock and unlock my credit report, and they only let me access to my credit report or have online access to lock and unlock my credit, only when I pay them monthly membership. I have sent in mails 8 times to verify my identity and they still dont give me free access unless I pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute on XX/XX/2021 for XXXX XXXX XXXX Account # XXXX but it was not given a proper investigation.

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 2021-10-12 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Despite having my updated address ( I completed this online in 2020 ), Chase sent the attached notice to an address they knew or reasonably should have known where I would not receive it, particularly by the limited time to respond. So, over {$400.00} was sent to XXXX, which I now have to spend weeks, unpaid for my time, trying to track down and complete various forms to get money back. They also could have just credited my account. They did not. Staff confirmed they have two databases that don't talk to one another, so they did not look for my correct address in sending out the notice. I'm sure they would send overdue statements to the correct address, so why not a notice informing me that I was owed over {$400.00} from Chase?!! Their notice mailed in XXXX went all the way to the XXXX  address in XXXX and then ended up in XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XXXX XX/XX/2021 PNC Bank approved an obviously fraudulent transaction from a subprime auto lender I do not have, and have never had, any business or financial relationship with. As of end of business XXXX XX/XX/2021 I can get no response from PNC Bank, not even the transaction number so I can address the fraudulent charges with the subprime lender XXXX XXXX XXXX XXXX XXXX, TX. While I do not expect immediate resolution, I would have expected PNC to at least pretend they cared about fraud against their customers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12 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: CA

Complaint narrative:
I submitted a dispute on XX/XX/2021 for XXXX XXXX XXXX Account # XXXX and it was not investigated properly. I demand a proper investigation or the removal of the account above mention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: TX

Complaint narrative:
I have disputed the incorrect information on my credit report for several months with XXXX, Equifax, and XXXX and I have not been able to get the errors on my credit report corrected. There are several erroneous accounts on my credit report from creditors that I have never had an account with and I want this information to be removed immediately. I have never had an account with XXXX XXXX for {$740.00}, XXXX XXXX XXXX XXXX for {$630.00}, XXXX XXXX XXXX XXXX for {$910.00}, XXXX XXXX {$680.00}, XXXX XXXX  {$1200.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX {$440.00}, XXXX  {$740.00}. Please remove the incorrect information from my credit profile as it is negatively impacting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: TX

Complaint narrative:
I have disputed the incorrect information on my credit report for several months with XXXX, XXXX, and Experian and I have not been able to get the errors on my credit report corrected. There are several erroneous accounts on my credit report from creditors that I have never had an account with and I want this information to be removed immediately. I have never had an account with XXXX XXXX for {$740.00}, XXXX XXXX XXXX XXXX for {$630.00}, XXXX XXXX XXXX XXXX for {$910.00}, XXXX XXXX {$680.00}, XXXX XXXX  {$1200.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX {$440.00}, XXXX  {$740.00}. Please remove the incorrect information from my credit profile as it is negatively impacting my scores.

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 2021-10-12 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: CA

Complaint narrative:
I submitted a dispute on XX/XX/2021 for XXXX XXXX XXXX Account # XXXX and it was not investigated properly

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 2021-10-12 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: AZ

Complaint narrative:
AFTER NUMEROUS ATTEMPTS TO HAVE INACCURATE INFORMATION REMOVED FROM MY CREDIT REPORT, EQUIFAX IS THE ONLY CREDIT REPORTING AGENCY THAT DEEMS ITS NECESSARY TO CONTINUE TO REPORT THIS MIS-INFORMATION. I'VE SUBMITTED NUMEROUS DISPUTES, INCLUDING IDENTITY THEFT REPORTS, POLICE REPORTS, UPDATED ADDRESSES, AND THE CORRECT SPELLING OF MY NAME. I'VE CALLED THEM SEVERAL TIMES AND WAS UNSUCCESSFUL IN EVERY ATTEMPT TO CORRECT THEIR MISTAKES. AT THIS POINT I'M CONFUSED AS TO WHAT TO DO NEXT FOR THEM TO CORRECT THE MISTAKES AND MIS-INFORMATION ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Regional Management Corporation
State: TX

Complaint narrative:
Regional Finance Company, which does have a local branch but is a " nation-wide '' company, sent a check to a property that is owned by my family with my name on it - I did not request the loan, or a check to be mailed to me, and did not authorize any type of credit pull, or new loan account to be opened or initiated. 

I received a notification on my Credit Report that a NEW account had been opened on XX/XX/XXXX with RFC - Regional Finance. I tried to call on FRIDAY XX/XX/XXXX but reached them after hours, so I called them today. 

After I inquired about the loan and the credit report inquiry, they informed me that someone had cashed a check with my name on it on XX/XX/XXXX. I advised them that NOBODY in my family or that lives at the house cashed the check, and I did NOT cash the check myself, and they acted dumb with me... 

I have a strong feeling that someone came by house and went thru my mail and fraudulently cashed the check, as my Texas State Drivers License was " lost in the mail '' in XXXX, and now I am having fraud... 

I have been working on my Credit Score for the last 18 months, paying down debts and keeping my credit utilization rate as low as possible, while making 100 % on-time payments. I have worked really hard to increase my credit, and now I am hoping this does NOT ruin my credit... 


I was told by my father to report this, if you have any questions, my cell # is XXXX. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I was provided a payoff by Chase the lender. The payoff clearly states that I can pay off the loan by XX/XX/2021. 

On XX/XX/2021 Chase decided to charge off my account. How can you charge off the account a day before the payoff deadline provided? 

on XX/XX/2021 ( day of payoff ) a REPO person showed up on my doorstep trying to reposes my car. I showed him a copy of my check and a copy of my payoff and he said he would extend for 1 week. a few days later he let me know my repo account is closed.

I sent in documentation to them to show their mistake but I am getting a run around being bounced from one dept. to another as I call in to rectify this situation. 

Chase did get my payoff amount and says the account is closed and there nothing to do. Also they are stating that they don't have the odometer declaration form. Even though I mailed that form along with the check for payment. They obviously got the check for payment so why are they giving me the run around on providing me title to my car? 

I am including the payoff that I was provided and what I used to mail the check to pay off the loan. As well as my letter to Chase stating that I want my credit fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 I spoke with a loan re for Amerisave Mortgage, a subsidiary of XXXX Mortgage, I believe. 
The loan rep I was dealing with XXXX XXXX, told me that I had to give them a non- refundable deposit to secure my refinance with Amerisave. I spoke to another lender shortly after and he told me that I never needed to give them any money up front to secure my loan. When I heard this I e mailed her on Monday, XX/XX/XXXX, that I wanted my loan cancelled and I wanted a refund of the {$500.00} dollars I had sent Amerisave. She told me she did not think I would get the money back since it was NON REFUNDABLE.

Isn't there required to be a 3 day right of recission and don't the loan guidelines prohibit non refundable monies, especially when you cancel the loan within 3 days?

I find this to be predatory lending practice and that is why I am reporting it. 
I would like your help to secure the return of that {$500.00} to me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
It all started in XXXX when our home was over assessed and increased taxes, which raised our mortgage payment considerably to between {$3300.00} and {$3400.00} per month in XXXX. Due to this and other bills, our monthly income fell short and eventually we started falling behind in the mortgage, which XXXX XXXX  ( the loan servicer at the time ) threatened us with foreclosure. So in XXXX we went to them to see if we could refinance and could not. They offered us a Loan Modification so we took that ; however, by the end of XXXX, we were still receiving foreclosure letters and I couldn't afford to lose the house when I was also taking care of my mother who was in her XXXX and XXXX so we filed for bankruptcy and included the house. This caused my check to be garnished for 5 years with a deduction of about {$1800.00} per pay period. So the mortgage continued to be paid by the Trustee of the Chapter XXXX bankruptcy. All arears were paid during that time and we have paid every month since this thing has ended. However, when the Loan Modification happened ( after paying 4 years on a 30 year fixed term at around 6.5 % ), our 30 year term turned in to a 44 year term when we had 26 years left, which is 18 years tacked on at 5 %. Now 4 years removed from the chapter XXXX, we tried to refinance but the {$50000.00} balloon that is tacked on to the end of this mortgage is a refinance problem. Instead of refinancing to lower our interest rate and monthly payment, the payment will be higher even with a lower interest rate. I did contact the loan servicer and asked if our interest rate could be lowered- they said no. I asked if we could refinance with them- they said no but did mention re-modification again but quickly said that they would not recommend it. 
The loan officer that we talked to when we called him about refinancing, suggested we contact you to see what could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC
State: NV

Complaint narrative:
My wife passed on XX/XX/XXXX with no will, so Probate has to be done. She signed Reverse Mortgage XXXX. We married in XXXX therefore Servicing Company states that I am a non-eligible spouse to purchase a loan within 30 days of death. Has requested documents from me to prove Nevada law that spouse can assume property rights of deceased wife. Has requested a " for sale sign '' by the owner to be placed in the yard even though I am not recognized as an " owner '' by the loan servicer. Sent letters dated 2 weeks back stating 30days started at the writing of the letter. Communication via email or phone replies is stated to be 10 business days between communications. and not to send or reply twice. Have secured court date for probate but is an outside window of time given by Loan company CELINK. COVIN has changed normal business practices that used to take just a few days has changed access to courts to weeks. All I am requesting is 90-day extension to allow the new loan to be obtained via VA but the answer is no. The law was changed in XXXX for spouses but this company is not giving due to families to actually pick up the pieces prior to foreclosure. This was stated FORECLOSURE would be started 15 days prior to the 90th day in order to assure foreclosure to happen on time.

Company response to consumer: Closed with explanation