vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: TX

Complaint narrative:
In XXXX of 2019 I attempted to get home improvement loan on my house. I discovered there were liens that had never been released. I did the work finding the people having those properly removed. I also discovered there was a second mortgage that was not paid ... the mortgage was in my husband 's name, he passed 7 years ago, I only knew of the one that I took over financially responsibility for. It took some digging around, but I found the lender that had the second mortgage. I was instructed to fax a request to settle the balance. I started on XX/XX/2019 with my first settlement offer, after a couple of week, it was declined. XX/XX/2019, I submitted another request, after a few weeks it was declined. XX/XX/2019, I submitted another request, I received another decline 2 weeks later. 
I spoke to a gentleman that advised me to go higher, when I submitted request for $ XXXX on XX/XX/XXXX, I didn't hear anything and when I called I was told it was approved and just awaiting signature. Then I got a call that it was declined, they wanted the full amount owed. I said ok, I wish you would've just said that in the beginning. I then asked if they could just send me paperwork to assume responsibility of the loan and to do a modification. After a couple of weeks, I called back asking about modification package, he would say it was sent out. I would always ask if they could just email it to me, not it had to be mailed. weeks would go by and nothing, I called back and he finally gave me an excuse that it was returned. There is no way, the address is the same and we have the same postman. I asked if they were putting my husband 's name on it, again the postman knows I am still here so I don't know who would've returned it. I never saw proof of the return, we have community mailboxes, hopefully if it was put in wrong box my neighbor would bring it to me. They would email declination of offers to me, but they couldn't email the modification package? 
I have recently started getting letter from attorneys regarding foreclosure, I was confused because I pay my mortgage on time every month and I remembered I have never resolved issue with Franklin Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NV

Complaint narrative:
These are not my accounts, nor did I live at these addresses. I also did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NV

Complaint narrative:
These are not my accounts, nor did I live at these addresses. I also did not authorize these companies to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NV

Complaint narrative:
These are not my accounts, nor did I live at these addresses. I also did not authorize these companies to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I can not link my PNC main checking account to my other bank checking accounts via XXXX or to make direct free money transfers between my own bank accounts any longer. I also can not link it to XXXX to pay my mom/sisters for minor small things for $ XXXX we are splitting for free any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX is trying to access my information with my consent to do so. I want to use my debt card to round up my purchases to use the rounded up change to invest in my portfolio with XXXX. 
XXXX has requested me to file this complaint so that we as the consumer have a right to choose whether or not to allow these 3rd parties to use our financial institutions instead of our financial institutions making that decision for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NV

Complaint narrative:
These are not my accounts, nor did I live at these addresses. I also didn't authorize these companies to pull my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NV

Complaint narrative:
These are not my accounts, nor did I live at these addresses. I also didn't authorize these companies to pull my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NV

Complaint narrative:
These are not my accounts, nor did I live at these addresses. I also didn't authorize these companies to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a credit account with XXXX called XXXX XXXX in 2017. When I opened the account I was in formed that it would never appear on my credit report Synchrony says they own my account The account number they have is not my account number. I never opened an account with Synchrony bank and I have never heard of them until they appeared inaccurate information on my credit report. Now they are reporting false info to my credit report after I contacted them I have spoken with their fraud department. I said I never opened an account with them and had never heard of them. They admit they never informed me of credit reporting I have the recording form the fraud department of the Synchrony bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
BANK RESPONSE IS FRAUDULENT, UNETHICAL AND DECEPTIVE. 

I walked into the bank at approximately XXXX : XXXX XXXX, i presented all my information with a withdrawal slip, I have withdrawn from this branch before and the teller recognized me. Upon search, they came back and informed me i could not withdraw my money and stated they didn't not have a reason other than what was seen in the computer, ie the bank had refused to give me my money in retaliation to my complaints. I also received a phone call from the Chase bank later that week acknowledging this situation and stating they would get to the bottom of it. 
In the prior response of XX/XX/2020 by chase has falsified the facts and stated they were not able to find this situation even after agreeing that it happened. 
As i have earlier stated Chase bank doesn't respect the CFPB since or this process as it has deemed useless and can state any falsification to close the complaint. 
I intend to expose this unjust and retaliation behavior, this is a breach of contract and trust by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear CFPB I have been waiting for unemployment since XX/XX/XXXX. I have been having to borrow funds from several different people to make ends meet. I finally get my unemployment check and bank is charging me {$70.00} in fees. I ask them to return but they didn't

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Financial Services
State: FL

Complaint narrative:
I have tried to reach out to the creditor and no response since XXXX of 2020 for the amount of {$8700.00}. this is causing many difficulties in my credit to purchase things for myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I recently bought my car with my partner on XX/XX/XXXXMy credit was pulled, but the car place ended up using my partner 's credit and now I have all these inquiries from these loan places and I did not consent to those. I am confused as to why these inquiries are still here when it can be seen that his credit was used for the car and not mine. Starting on XXXX XXXX, my credit was pulled 5 separate times without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I open an account with Chase Bank on XX/XX/ and deposited {$150.00} in my new checking account. Just 2 days later my account was closed with out reason, so I called and spoke with a lady in the Lost Prevention Department which she told me this : ( We closed your account and you can not ever open an account with chase bank ever again, ) So I asked her why? I never owed chase and if I did any amount was paid in full. I do not owe any other banks I never had any issues and I have a XXXX credit score. 

The Lost prevention lady was very rude and unprofessional she said I will not be getting anything back or not even a letter explaining why I will NEVER be allowed to open an account Chase Bank. I then asked to speak with a supervisor. 

So I spoke with a male named XXXX in Chase located in Ohio location and was informed if I did try to open an account again it will be closed immediately. I said can you provide the reasoning or logic behind this? He stated no you just do not have and account anymore with us and my {$150.00} was never sent to me and I am now interested in doing a Class Action Lawsuit against Chase Bank. I have been Discriminated against and Chase has committed fraud against me. I will also sue for punitive damages. I never has a large entity treat people so darn low. I will go public with this until I get a real answer of why I can not EVER open an account with Chase bank and get my {$150.00} back!!! I am very upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NV

Complaint narrative:
Submitted a dispute for hard inquiries from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These inquiries are not connected to open accounts. These inquiries were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AVANTE
State: FL

Complaint narrative:
Avante USA has opened two old accounts from XXXX as brand new accounts on my credit report. This action will extend the amount of time that the accounts can legally report on my credit report and makes me appear high risk to lenders with new collections accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NV

Complaint narrative:
Disputed a hard inquiry from XXXX dated XX/XX/2018. I do not have a personal loan. Equifax failed to remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I opened a credit account with XXXX called XXXX XXXX in 2017. When I opened the account I was in formed that it would never appear on my credit report XXXX says they own my account The account number they have is not my account number. I never opened an account with XXXX XXXX and I have never heard of them until they appeared inaccurate information on my credit report. Now they are reporting false info to my credit report after I contacted them I have spoken with their fraud department. I said I never opened an account with them and had never heard of them. They admit they never informed me of credit reporting I have the recording form the fraud department of the XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I opened a credit account with XXXX called XXXX XXXX in 2017. When I opened the account I was in formed that it would never appear on my credit report XXXX says they own my account The account number they have is not my account number. I never opened an account with XXXX XXXX  and I have never heard of them until they appeared inaccurate information on my credit report. Now they are reporting false info to my credit report after I contacted them I have spoken with their fraud department. I said I never opened an account with them and had never heard of them. They admit they never informed me of credit reporting I have the recording form the fraud department of the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: AR

Complaint narrative:
On XXXX of XXXX, I have XXXX XXXX, I keep the service 2 days, so I cancelled it due to XXXX XXXX  not having my desire channels. XXXX charged me for a month, I complained about them not honoring there 14 day policy of not paying if canceled within that time so they told me I didnt owe nothing. On XX/XX/XXXX I received a credit alert from the credit bureaus that a collection agency named SEQUIUM ASSET SOLUTIONS placed a collection amount of {$44.00} on my XXXX, XXXX and XXXX. I havent received any kind of correspondence, no mail or phone calls and it was just placed on my credit breaking laws pre the debt collection laws and Fair Credit Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I applied for a credit card which offered a {$100.00} statement credit after I spent {$500.00} within 90 days. In a footnote to the statement credit offer it says that I should " allow 6-8 weeks for your {$100.00} to be credited. '' I applied on XX/XX/XXXX. I spent over {$500.00} within the 90 days. I then waited about 5 weeks. When I contacted the company via email they said that the offer was not flagged on my account and since it had been over 120 days from the opening of the account, they could not now override it. ( That is a " catch-22 ''. ) I waited until XX/XX/XXXX so I would have allowed the maximum time of 8 weeks for the offer fulfillment, hoping it would happen automatically. Since it had not, I contacted them by phone. I was helped by a couple of nice people ( XXXX and XXXX ).  But when I got to XXXX, I was appalled that he blamed me for waiting too long to contact them. 

The offer code on the form I received was XXXX. I applied 10 days before the expiration date for the offer ( XX/XX/XXXX). The printed marketing offer which I received in the mail on XX/XX/XXXX has a form code XXXX and/or XX/XX/XXXX

I am looking for the {$100.00} statement credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Disputed Chapter XXXX bankruptcy reported to credit report. XXXX  and XXXX  have removed the inaccurate information. Experian has taken longer than 30 days to remove the inaccurate 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 explanation
Consumer complaint received 2020-04-25 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: CA

Complaint narrative:
Victim of identity theft here. 

On XX/XX/2020 I received a notice on XXXX XXXX of a " XXXX XXXX XXXX '' hard credit inquiry through Equifax. 

XXXX XXXX does not provide a dispute mechanism and they referred me to you. 

Can you please assist? 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My application XXXX application # XXXX XXXX to Bank of America to renew my Home Equity Line of Credit was denied. on XX/XX/XXXX. The reason stated was " Debt to Income ratio was too high. Here 's the information I provided to the bank. 
!. Credit Scores My score is XXXX my wife 's is XXXX 2. Estimated value of my house {$840000.00} 3.Loan balance of existing loan wit BofA {$170000.00} 4. Balance of my IRA accounts on XX/XX/XXXX ( date I submitted my application XXXX {$640000.00}. 
5 Our Social security income was {$26000.00} 6. 2 years of tax returns and my IRA distributions for XXXX I calculated my Debt to Income ratio as follows : Monthly Debt Mortgage XXXX Taxes XXXX Credit Card monthly minimum XXXX ( We always pay the complete credit balance to avoid high interest ) Home owners insurance XXXX Flood Insurance XXXX Car lease XXXX Car insurance XXXX Total monthly debt $ XXXX Monthly Income I use XXXX XXXX to calculate my taxes. Looking at my tax history from XXXX thru XXXX XXXX estimated XXXX the income averaged {$80000.00} per year or {$6600.00} per month. 
using those figures for monthly debt and income My DTI is XXXX = 30.6 % My research indicates a good DTI ratio is 36 % and 45 % is maximum. 

I can't understand based on this information how they can deny me for a high DTI ratio.This in spite of the fact that I already have a HELOC with Bof A and was just trying to lower the interest rate ( no increase in loan amount ). 
Perhaps they don't like to lend money to XXXX year olds. 
Thank you XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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:
On XX/XX/XXXX I paid XXXX XXXX off in an agreed settlement. I filed a dispute with Equifax letting them know that its paid in full. On or around XX/XX/XXXX, they updated my credit report to show paid in full and at a XXXX  balance. On or around XX/XX/XXXX, Equifax placed this closed account back on my credit with a $ 2,900+ balance. Im not sure what theyre doing, but this has caused my credit score to drop 30 points! Ive called them about this 5 different times, Ive spoken to a supervisor, and all they want to do is keep opening disputes instead of correcting their mistake.

Company response to consumer: Closed with explanation