vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 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: NY

Complaint narrative:
fraudulent and unauthorized inquires on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I have the cash app I had money on their for awhile like XXXX  dollars I never used it on anything then my wife wanted to see ake it off the app When I went back to look at the balance they show XXXX as the balance I have bank statements to show the money still their never spent I've been trying to make a complaint but they keep me in a circle asking same info over an over I'm really tired of this game Ready to take legal action against them This is kinda like the last reach out to them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: FL

Complaint narrative:
Ive filed a dispute regarding the results on my credit report it has been well over 30 days.

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 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I have contacted Whitney Bank about the error they have in their system after Whitney Bank made threats to me in regards to charging my account for a check they may not have been cleared from the official creditor. I deposited a check into my account and the statement came back as if the deposit was initiated from Whitney Bank. The error was on their system because there is nothing wrong with the device that was used to deposit this check because I use the mobile check deposit frequent. I have never had this issue before with mobile deposits. Whitney Bank completely ignored the issue. They could not provide the correct copy of the initial deposit of the check. They couldn't apologize for the threats they made and falsified this entire interaction. The check deposit was originally issued from another MAJOR Financial Institution, Therefore I should have never received email threats from Whitney Bank to apply charges to my personal account because the check may not have cleared. They should have just been honest and said they didn't have the amount of funds to cash the check. The letters clearly show my name was not spelled correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The congress passed legislation that indicated no interest to be charged on federally secured student loans as of XX/XX/XXXX. I made my payment for my XX/XX/XXXX due payment and the history shows the same/similar amount of interest charged month over month for same amount paid. I have asked Navient to provide a breakdown of interest charged for the loan and they have responded but the response is very limited in information. My account number is XXXX and I have 3 loans with them all under the category of FFELP. I got my loans as federal subsidized student loans and the explanation provided is that my loans are not owned by the department of education. What does that mean? Have my loans been sold to a private entity? I will write my congressman and senators as this is not what I understood my loans to be backed by.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Hello, Our loan carrier ( Rushmore Loan Management ) has owned our loan since XXXX. The loan has been owned previously by multiple carrier 's before Rushmore. Since acquisition of the loan, Rushmore has not complied by the law that was put into effect in XXXX called the Garn-St Germain Act. 

Under this law, the mortgage company can not force the due-on-clause sale if a parent ( who's name was on the loan ) becomes deceased. The mortgage company must provide a chance for the heir 's to be able to pay the mortgage at the same payment the parent had, especially if there is a transfer-to-child execution in which the child is stated on the title has joint tenant. The mortgage company must automatically offer same payment without the need for assumption/loan modification, etc. 

Since acquisition, Rushmore has not executed the law of XXXX. They have not given us notice about acquiring the same payment without hassle of offers ( Loan modification, assumption, etc ). 

In the past, Rushmore has explained that in order to get back on track, we would have to put down $ XXXX with payments close to {$7000.00} which is completely absurd. As well, our last statement sent to us stated the acceleration amount close to {$400000.00}. The original payment was around {$2300.00} a month. 

Recently, we filled out a loan modification to adhere to their standards and for the sake of the estate and trying to save our mother 's home. But, we are trying to understand why we have not been offered the original payment as stated by law since acquisition. 

Even the CFPB stated that the mortgage company can not pursue due-on-clause after parent 's death. In XXXX, the CFPB stated the interpretive rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive filed a dispute regarding the results on my credit report it has been well over 30 days.

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 2020-04-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive filed a dispute regarding the results on my credit report it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
On XX/XX/XXXXI purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX Florida. The truck was listed for {$13000.00} which is Over priced for this vehicle especially with XXXX miles. But I liked the truck and I was told I would receive {$4500.00} for my XXXX XXXX XXXX I traded in. Plus The General manager XXXX offered to take an additional {$2500.00} off for me to resurface his countertops. I was told Id be around {$9000.00} after the finance charge. Two days after I left the dealership the bank called me and told me I owed {$24000.00} and my payments were at {$600.00} a month. I immediately called the dealership and told them I didnt know what kind of crooked games they were playing but that I wanted to return this truck and get mine back. They then told me the truck was already sold at auction and that I could just return their truck and be left with nothing. I asked the bank to send me their financial papers and everything is different then the dealerships by thousands of dollars. Even the interest rates arent the same. The down payments, total amount for truck, sales price, monthly payments, nothing is the same. Oh and the total amount they are expecting to receive for this truck to be paid off is {$33000.00} dealer total and {$34000.00} bank total including price for down payment. For a truck with XXXX XXXX XXXX  value of {$8200.00}. This is insane to me and they should lose there license for this! On top of all that within the first week the XXXX went out and I had to pay {$1500.00} to get it fixed just to get the truck to move. They also spoke with my car insurance company and changed my policy without my consent. The insurance company acknowledged that The Dealership requested the change and thought that I knew my insurance doubled. Which ultimately caused me to change insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: NY

Complaint narrative:
fraudulent and unauthorized 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 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I lost my job a week ago XX/XX/15 due to the Coronavirus pandemic and my funds are limited. I may not be able to pay my mortgage for the foreseeable next few months. My mortgage is owned by XXXX XXXX and is serviced by Chase bank. According to CFPB website regarding the CARES Act ruling regarding federally backed mortgages ( which mine is ), I have the option to apply for forbearance on my mortgage for 180 days and a second time, if need be, for another 180 days. 

Upon calling Chase to ask for this forbearance, I was told by a representative that they have not heard of such ruling and that they can only defer my mortgage for 90 days and only 1 time. After the 90 days my 3 months of mortgage payments as well as my 4th month 's payment will be due as a lump sum. 

I find this very troubling since these are not the rules the bank should be abiding by as stated in the CARES Act. Also, how am I supposed to pay 4 months worth of payments in a lump sum if I'm UNEMPLOYED? If I could pay 4 months of payments, I would not be asking for forbearance in the first place. 

These " options '' from Chase bank are only masked as being helpful when in fact are only going to hurt people more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/2019, Citibank- The Home Depot reported a 30 day late on my credit. I had submitted the information in the system for automatic payments. The automatic payments did not go through on citibank side. I requested that the creditor pull the telephone recording to verify the request submission from XXXX of XXXX  with no response. I have written, text and called with no recording or follow up. This late has caused a 60 point drop in my credit with a 7 year stain on my credit. I want the 30 day late removed as I have NEVER missed a payment before.

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 2020-04-22 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: NY

Complaint narrative:
fraudulent and unauthorized 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 2020-04-22 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: NY

Complaint narrative:
fraudulent and unauthorized inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To whom it may concern Dear chase I tried contacting you or waited for for the lady who called me a few days ago but she never called me back. Im very disappointed at whats going on just today chase has put in my account negative and want me to return the credits given to me. I lost my wallet at a public transportation train station and have no knowledge on who took and stole my black leather wallet as I was in the train I believe as I walk through the ramp I had my one ticket pass. There was people there with me we were sitting keeping distance there were few people standing and some were sitted. And skipping a few seats. As I disputed I was never contacted by chase to give them a police report number lady said if they needed more info I would be contacted that never happen I called back to give them The police report number given to me. The lady was very nice and help me dispute the unauthorized transaction and atm withdrawals. I was told I would be receiving some type of affidavit forms thru mail but I never received any document to fill in I didnt received any document to fill out and send back to chase or emails. I am thankful that they gave me the credits while the investigation was processing I want to say It was weird as I didnt get any affidavit forms or documents I also said if I had to print them out my self the nice lady said she did everything for me. I called several times for updates and to ask that I had not received any documents to fill in the affidavits. And provide them with the police report number. The police report was given to the lady. There was more than XXXX  or more of unauthorized usage. Not XXXX like the police agent said in the report I had gotten in touch with him to correct that. With this corona virus going on Im not allowed to step in any police station but I do have there number to called. I have no knowledge of who have taken my wallet I had my driver license and I had my school if from XXXX the school ID numbers were XXXX and my pin were the last 4 which was XXXX I never wrote my pin on any cards or debit card or paper Im assuming they guess it by looking at my school ID and guess the number pin correct. I. Any accused any one because I have no knowledge who took it if it was a women or man or group of random people. The time waiting to reach a representative thru chase was very poor high demands to wait almost 1 hr or longer than 50 min or 40 to talk to the fraud department or regular representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one bank is charging overdraft fees of {$35.00} per overdraft in this historic event and they have NO COMPASSION!!!! They are horrible, they will not take off the fees, it is infuriating!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22 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: NJ

Complaint narrative:
fraudulent and unauthorized inquires on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
In XX/XX/2018 The Receivables Management Services sent my final insurance bill to collections without an opportunity to pay. When I made the payment, I was told the account would be deleted from my credit. I also spoke with a supervisor on XXXX and was told the collection would be removed from my credit as a courtesy based on everything going on, along with this derogatory mark on my credit preventing me from getting a home.

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 2020-04-22 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: NJ

Complaint narrative:
fraudulent and unauthorized inquires on my reports

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 2020-04-22 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: FirstPoint Collection Resources
State: GA

Complaint narrative:
XXXX has refused to correct the inaccurate information that has caused me to be denied from refinancing my home with XXXX & obtaining a personal loan with XXXX XXXX XXXX XXXX. I have sent numerous dated certified letters to XXXX  as well as FirstPoint Collections Resources Inc. ( who is the debt collection company ) that placed this inaccurate statement on my report. These two entities have reluctantly taken over 45 days to respond to me as well as provide any verification that a debt is owed especially since this is considered a medical debt and now refuse to investigate and respond back to me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient has been reporting incorrect information to my credit report.I was told that I was under forbearance in 2016 Navient instead reported me as 120 days late in 2016.It is incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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:
Equifax recently had my XXXX credit card balance listed at {$8.00}, which was correct. It is now at a XXXX  balance. Today, I get a credit alert showing the balance is back to {$290.00}. This is incorrect. I have not made any charges on the card and Ive worked hard to pay off all my credit cards. This will cause my credit score to drop. What are they doing?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$2500.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my 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