vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I submitted an inquiry with Chase for my Marriott credit card. They continue to decline a transaction my gym is attempting to pull. I have a large credit limit and always pay my bill in time. Quite frankly I am disgusted with their customer service. My first inquiry was submitted on XX/XX/XXXX, they acknowledge and then forwarded on to another department informing me I would hear back in 3 business days. They never responded, I had to follow up on XX/XX/XXXX. After my follow up they sent me another email that stated they would respond within three business days. They completely blew off my request and havent addressed anything. I then responded with a request to escalate and requested a response from a supervisor. I also repeated my request to resolve the concern. They then responded and said they were researching and would respond in one business day, they did not. They also never addressed my request to escalate. Then, yeSterday, they sent me an email that said they posted a letter and closed my inquiry. Chase closed it because they didnt have enough information but they NEVER even asked me for additional information. Now, I have to start over with an incompetent customer service. I am highly disappointed in their service, I still have an outstanding issue and will now need to spend an additional god knows how long to resolve the issue meanwhile likely having to incur double charges because of their incompetence. Please escalate or add to their overall concerns of Chases ability to service their customers and resolve anyones concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
I received another letter from Loancare on XX/XX/2019 that my mortgage was two months past due for a total amount of {$1300.00}. However, I have made all payments on time and have cancelled checks to prove it. This has happened 8 times in the past only for them to locate the on-time payments and cancelled checks. With this repeatedly happening, it feels even more like harassment. I simply want to be treated accurately and fairly. 

Attached are copies of the XXXX and XXXX cashed on-time mortgage payment checks along with their most recent letter obviously repeating the same error process within their company.

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 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, EQUIFAX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Unauthorized hard credit report inquiry from company " 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 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, XXXX, TRANSUNION

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 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM EXPERIAN, 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 non-monetary relief
Consumer complaint received 2019-11-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Unauthorized hard credit report inquiry from company " 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 2019-11-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
I received a call on Saturday, XX/XX/XXXX at XXXX XXXX  from XXXX. The caller informed me he was calling from FBCS about a debt. He claimed that I owed {$1200.00} but client was willing to settle for {$250.00} from XXXX for XXXX   XXXX  ( private student loan ). He knew my university ( but that could be available from social media ) but had an old address. He told me his name was XXXX XXXX and to contact him at XXXX to settle this debt. I did inform him that I already paid my student loans from XXXX  so I would contact the FTC as no loan from XXXX is in my credit history. Unfortunately, some of my information is on the dark web so I check my credit report for new creditors etc. frequently. I am disputing this debt and reporting the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The loan was paid off in full in XX/XX/2019

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 2019-11-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account was paid off in XX/XX/2019

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 2019-11-23 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: KY

Complaint narrative:
I am a victim of identity theft and have been in an ongoing battle to rectify this situation for years. This has caused me to look at my credit report daily in fear of further theft. Despite obtaining fraud alerts placed on all 3 credit files and then freezing all 3 files, as well as, submitting identity theft and police reports my identity is still being compromised. I will break down how by each bureau. 

XXXX  : I noticed an inquiry from the below entity XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I do not understand how this occurred when I have a fraud alert and was never contacted or gave permission for this inquiry. This is not mine. Also my report is suppose to be frozen. 


Equifax : I noticed an account that does not have a name but shows the following info Account number XXXXXXXXXXXXXXXXXX Collection opened XX/XX/XXXX Balance {$1000.00} Updated on XX/XX/XXXX This account is not mine and is a result of identity theft. 

The following addresses are not mine : XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX The following Employers are not mine XXXX   XXXX  XXXX XXXX XXXX XXXX The following Inquiry is not mine XXXX   XXXX XXXX  XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX  : The following account is not mine and due to identity theft : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} 0 % paid off Account number XXXX Collection opened XX/XX/XXXX The following Inquiries are not mine : XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX The following address is not mine : XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one walmart card is incorrectly reporting my information to XXXX  XXXX  and XXXX. And would like capital one to correct all the errors on my report and Remedy the situation i also had a conversation with XXXX from capital one on the phone on saturday XXXX XXXX at XXXX XXXX He was not willing to help me. Im requesting capital on look at my report and do a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I was attempting to refinance my home. The mortgage company Caliber Home Loans had quoted me a new rate and I had eSigned documents and provided my tax and pay stubs. On XX/XX/19 I received an email saying I had locked in the loan and then the agent taking care of me just vanished. I tried getting following up but nothing happened, I eventually received a letter saying I had canceled the process and so they would stop processing my refinance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
Since our mortgage account was sold to Plaza Home Mortgage I have trouble getting online to manage my account including getting my monthly statements so I called them three or four months ago to ask them to mail me my statements. As of this date XX/XX/2019 I have not received any statements and I can not access my account online at any of their sites. I called them again on XX/XX/2019 and was told that they show my statements were being mailed to me but I have not received any statements by mail. They have the correct address and I know my carrier has not lost all the statements mailed to me. We have lived at this same address for over 15 years and there has never been an issue with our mail. I was told they would request that my statements be mailed to me but I see nothing happening. I know I will have to call them again in a few months since their online sites are absolutely worthless for accessing my account. When I try to login online I get a message that they can't find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith & Smith Investors LTD
State: IA

Complaint narrative:
These accounts are part of an active workers compensation claim. It should not be at a debt collection agency or on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: KY

Complaint narrative:
I am a victim of identity theft and have been in an ongoing battle to rectify this situation for years. This has caused me to look at my credit report daily in fear of further theft. Despite obtaining fraud alerts placed on all 3 credit files and then freezing all 3 files, as well as, submitting identity theft and police reports my identity is still being compromised. I will break down how by each bureau. 

XXXX  : I noticed an inquiry from the below entity XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I do not understand how this occurred when I have a fraud alert and was never contacted or gave permission for this inquiry. This is not mine. Also my report is suppose to be frozen. 


XXXX  : I noticed an account that does not have a name but shows the following info Account number XXXXXXXXXXXXXXXXXX Collection opened XX/XX/XXXX Balance {$1000.00} Updated on XX/XX/XXXX This account is not mine and is a result of identity theft. 

The following addresses are not mine : XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX The following Employers are not mine XXXX XXXX XXXX XXXX XXXX XXXX  The following Inquiry is not mine XXXX  XXXX XXXX  XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX TransUnion : The following account is not mine and due to identity theft : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} 0 % paid off Account number XXXX Collection opened XX/XX/XXXX The following Inquiries are not mine : XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX The following address is not mine : XXXX XXXX XXXX XXXX, FL 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 2019-11-23 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: KY

Complaint narrative:
I am a victim of identity theft and have been in an ongoing battle to rectify this situation for years. This has caused me to look at my credit report daily in fear of further theft. Despite obtaining fraud alerts placed on all 3 credit files and then freezing all 3 files, as well as, submitting identity theft and police reports my identity is still being compromised. I will break down how by each bureau. 

Experian : I noticed an inquiry from the below entity XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I do not understand how this occurred when I have a fraud alert and was never contacted or gave permission for this inquiry. This is not mine. Also my report is suppose to be frozen. 


XXXX  : I noticed an account that does not have a name but shows the following info Account number XXXX  Collection opened XX/XX/XXXX Balance {$1000.00} Updated on XX/XX/XXXX This account is not mine and is a result of identity theft. 

The following addresses are not mine : XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX The following Employers are not mine XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiry is not mine XXXX XXXX XXXX  XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX  : The following account is not mine and due to identity theft : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} 0 % paid off Account number XXXX Collection opened XX/XX/XXXX The following Inquiries are not mine : XXXX XXXX XXXX  and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX The following address is not mine : XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally Auto Financing has had a repossession agent by the name of XXXX XXXX, call people from my social media accounts. XXXX XXXX called me through XXXX to tell me, XXXX XXXX, and a few others. XXXX acted as if she was a family member looking for me and was concerned. Others have said she told them I owed a debt and it was in serious stages of collections. WOW! 
These people were not listed on my reference sheet nor are they friends close enough to me to know my private business. I know that they have been calling these people from my social media accounts since I made the last payment, which is behind due to the XXXX XXXX which caused a loss of wages. My significant other and I have been in contact with other agents from the same department, excessively. However, XXXX XXXX, a new agent obviously, says she could not get us on the phone. This is a misunderstanding. We talk to everyone from Ally. Why she was unsuccessful is beyond me. She has brought embarrassment to me and has violated my privacy act. The Fair Credit Reporting Acts under articles within the 600 codes prevent any debt collector from privacy violations that were not  approved by me with my original signature during the initiation period of the agreement.

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 2019-11-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
they have locked me out of computer access and said I have not paid my bills. they still have not posted any payments to my account. I am trying to refinance my house and the equity line of credit in to one and they will not give me payoff and has caused be to pay for a extension for move time. I have one day left one my extension before I have to pay for another extension. the bank has asked for a pay off 7 time already since the XXXX of XXXX. they are charging me {$25.00} for the pay off. Is there a way I can charge them for my extension fees and all the stress they are putting me through? They have been nothing but trouble, to me since they took over me equity line of 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 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Information Services, Inc
State: MA

Complaint narrative:
On XX/XX/2019 I completed a background screening for the USPS. The position is contingent on the background screening and the company has not completed the screening and its been over a month. I know my record is clean so theres no reason there should be this long of a wait. I need this process to be moved along so I can hear back from the job I applied to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: FL

Complaint narrative:
Equifax and XXXX  are reporting a personal loan I paid in full that it is close and drop a lot of point on my credit report. My understanding about paying a full amount in a loan it will increase your credit score but unfortunately my credit score went down 62 points. It was a credit union account, paid in full XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Barclay is reporting erroneously and in violation. They are reporting a debt that is owed but it was previously discharged in a Chapter XXXX bankruptcy. I have notified my attorney that they are in violation of the automatic stay. The next correspondence will be from my attorney.

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 2019-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo continues to send threatening letters re : homeowner 's insurance. I recently changed insurance carriers ; I sent WF copies of my new declarations pages to show valid/current homeowner 's insurance. 

WF didn't acknowledge receipt of my new policy and started contacting me, requesting proof of insurance. 

I FAX 'd proof, again, on XXXX. I received acknowledgement from WF on XXXX via their secure messaging center. I have a FAX receipt showing when the info was transmitted/received. 

On XX/XX/2019, I received a threatening letter ; " Second and final notice '' to provide proof of insurance or they will purchase insurance and charge me. Their letter goes on to say that the policy will be expensive and may not cover much. 

Given WF 's recent history with opening accounts, without the customer 's knowledge, and then charging them outrageous overdraft and other fees, I fear they will purchase a policy and withdraw premiums from my checking account.

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