vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
A fraudulent assignment of mortgage was used to claim ownership and obtain a foreclosure sale on XX/XX/XXXX. 

The enclosed assignment of the mortgage recorded and filed on XX/XX/XXXX, in the county clerks office of the XXXX/county of XXXX is fraudulent. The assignment of a mortgage uses MERS, who can not legally assign to XXXX XXXX XXXX, a company that did not exist on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX publicly went out of business in the year of XXXX 

The Trust to which the mortgage was allegedly transferred had closed in XXXX, and could not have accepted the assignment in XXXX  7 years After the Trust had closed. Transferring non-performing loans into a Trust or making an out-of-time assignment is void under the New York Trust law 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 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My divorce was just recently final and I was in a very toxic, XXXX marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I noticed a collection on my credit report that I was not aware of and don't believe is mine as i have no outstanding debts with anyone including the company the collection company is attempting to collect the debt for, Charter Communications. 

I attempted to contact the Collection Company, Amsher Collections and asked them to validate the debt and asking them to prove the debt belongs to me. I asked to verify the personal information on the account, asked them to send me a contract, statements or documentation from Charter Communications with my name or address on it that shows what the charges are for. 

I sent letters to Amsher on XX/XX/2023 and got no response so, I sent another letter XX/XX/2023 and again got no response so, I sent a third letter on XX/XX/2023 asking them why they have not responded and for the third time got no response. 

I've also attempted to dispute the collection account with the three credit reporting agencies beginning on XX/XX/2023 and agin on XX/XX/2023 and currently with disputes that were sent XX/XX/2023. The problem is the credit reporting agencies will not respond to my disputes either! 

I read on the CFPB website that the collection company and the credit reporting agencies are supposed to respond within 30 days of a dispute but I have yet to get a response from any of them. 

After doing some research I read that the credit reporting agencies are no longer required to respond to consumers about disputes on their credit reports, is this true? How can these private companies not be held accountable for misinformation they are reporting? 

This misinformation is hurting my credit and my financial stability and the fact that they don't comply with Federal Laws that are supposed to protect consumers is frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I opened a credit card with Chase Bank on XX/XX/XXXXXXXX  that offered a XXXX first statement credit and my first statement has arrived as of yesterday ( XX/XX/XXXX ) but the credit has not been applied. 
I did see online that they never applied the credit, and I did call Chase Bank on XX/XX/XXXX to ask why the promotion had not been applied and they said give it a couple days. 
In the meantime, I am accruing interest on the money that was supposed to he credited to me and I believe that is the strategy on Chases part. 
I have looked online and see Im not the only one who is experiencing this. I believe Chase is behaving in a predetory manner, trying to collect extra interest by delaying or never giving the promotion at all. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 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: NJ

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-11 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: NJ

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-07-11 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: IL

Complaint narrative:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2023-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was refinancing a fixed equity loan, and when I was asked about The bank of American representative told me there was NOT a fixed rate home equity loan option... 

Now my payments have doubled, and my interest rate is higher than my original loan.. and I'm pretty sure I was just blatantly lied to in order to saddle me with this XXXX ARM loan, since Fixed rate options are now plastered all over the bank of America website . Ontop of being forced to manifest and pay off thousands of dollars in other 0 % debt. Leaving me with no emergency funds, and this second mortgage payment that quickly doubled, forcing me to live off of credit cards again.

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 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
When checking my credit report I noticed I had a collections debt that was not mine in the amount of {$1100.00}, the original creditor is XXXX XXXX XXXX  and the creditor that is reporting to collections is Sequim Asset Solutions.The account was opened XX/XX/XXXX XXXX XXXX which is puzzling because I had my credit frozen for almost a year as of today and XXXX XXXX  still approved someone with services in my name and information. I have reached out to XXXX XXXX  and they were no help so I went ahead and filed a dispute with all credit bureas. This debt is not mine along with the address that was linked to this debt. Please help and Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Years of being charged overdraft fees, especially during COVID 19

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 monetary relief
Consumer complaint received 2023-07-11 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: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My divorce was just recently final and I was in a very toxic, abusive marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The XXXX credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-11 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: IL

Complaint narrative:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021. Wells Fargo bank charger my account for a transaction that I did not authorize. It was listed on my account as XXXX XXXX XXXX XXXXXXXX. I spoke to 5 different people whom I didnt receive any information from nor did my issue get resolved. 

I have 3 claim # s that I received XXXX 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 2023-07-11 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: FL

Complaint narrative:
Chase solicited me for a new credit card offering a XXXX % balance transfer introductory rate. Nowhere on the front advertising or balance transfer steps did it note that a balance can not be transferred from a Chase account. I went to the website online rather than use the physical form to apply. Again it was not clearly stated that Chase transfers were precluded. When I attempted to enter the transfer account I did not receive a warning about the ineligibility of current chase balances, I received a warning asking me for the 3 digit cvv code on the card I had yet to receive. 
When I received the card I then received the warning chase balances were ineligible. 
I called chase and asked for either an exception or to have the account closed and removed from my credit as it would impact my score. They refused the exception and further stated any change in the reporting would need to be done through the bureaus. This was after I pointed out the advertising was deceptive and hiding these critical details in small print is at best shady. It also forces me to make efforts and plead my case to a third party to resolve the harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One is reporting inaccurate latenesses on my consumer credit profile from XX/XX/XXXX through XX/XX/XXXX on my capital one account ending in XXXX. When my accounts was in a Deferred/ Forbearance status. In addition, to Latenesses reported from XXXX XXXX XXXX As youre aware Section 4021. Of the CARES ACT states SEC. 4021. CREDIT PROTECTION DURING COVID19. ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My wife and I have a mortgage through PHH. Over the past five years we have watched our payment move up from around XXXX to around XXXX. Yesterday we received a bill for a payment of around XXXX. After calling the mortgage company their explanation was that our home insurance had increased from around XXXX annually to over XXXX. They also us claims dealing with increased taxes and expected increase in escrow. Is this legal? I felt our contract was a 'contract ' and not a liquid form. There is no way we are able to make these types of payments. I did call my insurance provider and found that because we had wind damage claims that XXXX XXXX had increased our insurance to that claimed amount of over XXXX. My wife and I are both retired. Could you please help. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XX/XX/23 I contact Rocket Mortgage verify XXXX amount for new small house purchase building. Service rep verify. Then XX/XX/23 I called Rocket Mortgage service financial to get mortgage rates lesser than current mortgage rates and the small loan I could use from equity. XX/XX/23 I was told from Rocket Mortgage service rep not financial services I don't have equity for small house building. I asked for a call back I reported to FTC the harassment service employees give me when I call to verify Acct mortgage status of mortgage payment because money stolen and payments not applied. This does effect my credit score and purchases with credit company and using my credit to do business as XXXX  and personal working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We had linked our credit card to the XXXX app. Over the past ~6 months, we have been conducting some personal tansaction on XXXX that got charged to our credit card. 

What we discovered in our credit card statements is that Chase was charging an addition {$10.00} minimum transaction fee per transaction. 

We were not notified of this by Chase similar to how we would be notified of a cash withdrawal fee for transactions at certain non-Chase ATMs. 

The {$10.00} minimum fee is something we were unaware of and I would argue Chase has not provided sufficient notification of. They should be providing a notification before any transaction similar to what's done at non-Chase ATMs. I'm sure it's buried in contractual terms from Chase but that is not adequate notification. 

I also find this {$10.00} minimum transaction fee quite excessive and would characterize it as gouging their customers. What is the basis for such a high minimum? Chase needs to clarify why such a high fee is needed and how this is not taking advantage of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
Unknown person/persons impersonating my identity. Deposit was made mid to late XXXX. Discover closed my account ending in XXXX due to overdrawn fees. Overdrawn fees were an action of Fraud and Ive been advised by XXXX to report a compromise of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: MI

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief