vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I have been receiving calls from Mr. XXXX who will not give his company name but states he is collecting a credit card debt that I owe Providian now Chase Bank for XXXX and that they have been trying to serve me papers but have been unable to reach me. Mr. XXXX states I was sent a letter on XX/XX/2021 explaining I am being sue and I have not responded He did repeat my actual social security number, my date of birth and place of employment. He stated that they were going to show up at my job and serve me papers and have my wages garnished, and that will ruin my credit. Problem is I have never had a card with Providian or Chase Bank I explained that to him and he said it was an old debt and since Providian was bought out by chase bank they have a right to collect this debt. I ask to be mailed validation that I owe this debt and he said they mailed it in XX/XX/2021 and that they are only required to mail it one time so if I lost it that is my problem. I have never received anything from anyone regarding being sued for a debt. I have a credit score as of today of XXXX and there is nothing on my credit report as of today. they have already called me back 5 times in the last few days. I hang up but am concerned that they have my social security number, date of birth and place of employment. The number Mr. XXXX calls from is XXXX and they say my file number is XXXX with so many scams out there I thought this needed to be reported. Per Chase Bank they have no record of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: FIRST HERITAGE CREDIT LLC
State: TN

Complaint narrative:
I already had a complaint filed with you against them they contacted me and it seemed as if they had corrected the situation however upon the recent check of my credit report they have not- I have unemployment insurance on this one I notified the company of my financial problems prior to the loss of my income on XX/XX/XXXX and then at that same time provided them with the correct documentation for which to process my unemployment insurance claim. I am still unemployed and the governors office is working with me to file a claim for XXXX which they have already submitted for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
We never received our XXXX credit card statement from Capitol One due to the dismantling of the US Postal Service initiated by the Trump Administration. Capitol One is a major contributor to the XXXX XXXX in general and the Trump administration in particular, so they share in the responsibility for what is happening at the USPS. When we were able to view the statement a {$25.00} late fee had been charged as well as a {$13.00} interest fee. We contacted Capitol One and made immediate arrangements to pay after having the fees were waived by a bank associate. 

Today I checked my Capitol One statement online because once again the statement has not arrived. Once again the bank has assessed a {$4.00} interest fee which they said is due to last months late payment. I called Capitol One and this time they have refused to waive the fee. They also refused to provide contact information for higher level management to appeal to. I have no recourse but to file a complaint with the CFPB. 

I have an excellent credit rating and I refuse to submit to extortion. I am appealing for your help with this because not receiving my statement was totally out of my control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 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: NV

Complaint narrative:
I have tried disputing these unauthorized inquiries several times, and to no avail, nothing has been deleted. These inquiries do not belong to me. My next step will be to file a complaint with the federal trade commission. 

XXXX XXXX XXXX XXXX-REPORTING TWICE XXXX -REPORTING TWICE XXXXREPORTING TWICE XXXX XXXX XXXX-REPORTING TWICE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: FL

Complaint narrative:
I have perfect credit. 

On XX/XX/XXXX, XXXX XXXX notified me that my TransUnion credit report changed to include a derogatory account from XXXX XXXX Account. 

Please note that the XXXX XXXX Account was reported as FRAUD through law enforcement reports filed several times including a report filed TEN YEARS AGO on XX/XX/XXXX ( XXXX XXXX Sheriff 's Office, Case # : XXXX ). In addition, I filed a report with the XXXX XXXX Sheriff 's Office on XX/XX/XXXX, when I found that a fraudulent address in XXXX XXXX, Florida, was being used as my residence. 

To this end, please remove immediately the XXXXXXXX XXXX Account from my TransUnion credit report. 

I am happy to pay whatever I owe, but I will not pay a penny of someone's financial scheme.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
When searching for a refinance we encountered XXXX XXXX of Rocket Mortgage, a branch of Quicken Loans I believe. We were promised quick efficient service because we had XXXX accounts, and THAT WE WOULD NOT NEED A HOME APPRAISAL. 

Over a period of many months they asked for document after document. Then they claimed that so much time had gone by that we had to redo some of the documents. 

And then, when we sat down to sign, the process was halted because of a spelling error. 
Then, they said they couldn't continue until they had another closing sum from our bank. 

Now they claimed that the original interest rate offer had expired. 

NOW THEY CLAIM SO MUCH TIME HAS PASSED THAT WE NOW NEED AN APPRAISAL OF OUR HOME 'S VALUE! This does seem like bait and switch? 

In any case we have heard nothing further from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I, the consumer, in fact, am a victim of identity theft, and pursuant to 15 USC 1681c-2 I am requesting the block of such information resulting from such identity theft from my consumer report. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in error nor is there any material misrepresentation by me the consumer so my request should not be declined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: AL

Complaint narrative:
I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/2021, I filed a complaint with the CFPB ( Reference number : XXXX ) in regards of KEYBANK not granting me the opportunity to complete a consumer credit transaction because I asserted and reserved all rights under the ECOA ( Equal Credit Opportunity Act ). 

On XX/XX/2021, KEYBANK corrected their position through the CFPB, and confirmed that they would be in compliance with the ECOA ( Equal Credit Opportunity Act ) and also would honor my ECOA request, as well as grant me the opportunity to complete the consumer credit transaction. 

On XX/XX/2021 I reached out to KEYBANK in regards of applying for a mortgage. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '', This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ). Through correspondence with the mortgage loan officer via email, the mortgage loan officer was properly informed of my ECOA request and was recommended by her supervisor to move forward in completing the transaction. On XX/XX/2021, the consumer transaction was completed and submitted for review by KEYBANK. On XX/XX/2021, I received an email from the mortgage loan officer informing me that the transaction was denied due to the information that was furnished to KEYBANK from consumer reporting agencies in regards of my credit history and worthiness. I Informed the mortgage loan officer that my ECOA request has not been honored and that KEYBANK has willfully violated the ECOA pertaining to this transaction. I have not heard back from the mortgage loan officer since my last correspondence through via phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I already had a complaint filed with you against them they contacted me and it seemed as if they had corrected the situation however upon the recent check of my credit report they have not- I have unemployment insurance on this one I notified the company of my financial problems prior to the loss of my income on XX/XX/XXXX and then at that same time provided them with the correct documentation for which to process my unemployment insurance claim. I am still unemployed and the governors office is working with me to file a claim for XXXX which they have already submitted for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I already had a complaint filed with you against them they contacted me and it seemed as if they had corrected the situation however upon the recent check of my credit report they have not- I have unemployment insurance on this one I notified the company of my financial problems prior to the loss of my income on XX/XX/XXXX and then at that same time provided them with the correct documentation for which to process my unemployment insurance claim. I am still unemployed and the governors office is working with me to file a claim for XXXX which they have already submitted for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TN

Complaint narrative:
Re : REQUEST TO REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT To Whom It May Concern, Ive sent this complaint to your credit reporting company in request to REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT appearing on my credit report, under the Fair Credit Report Act you are required to comply with my request, I know that your company will need some sort of verification to prove my identity. My documentation is clearly enclosed and attached. Thank you!

After these FRAUD ALERTS has been REMOVED, please send me written confirmation to the address as it appears on Government Issued ID and bank statement. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX ENCLOSED ARE THE FOLLOWING THREE DOCUMENTS THAT VERIFY MY IDENTITY GOVERNMENT ISSUED ID/SOCIAL SECURITY CARD/BANK STATEMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
J.P. MORGAN CHASE. Credit Journey " XXXX, New York XX/XX/XXXX This Banking institution is constantly doing the wrong things ... They are notorious for ruining ones credit. They had me on their " Credit Journey " as being delinquent with 14 late payments to my XXXX XXXXXXXX credit card for the month of XX/XX/XXXX ... ..I am Always on top of my payments, making sure they are submitted by the " Due Date ''. I checked my account and sure enough there is a payment of {$100.00} to XXXX XXXX in the month of XXXX. I am getting tired of having to dispute issues with them ... .They discontinued the use of my card ... ... I think I am going to take my business elsewhere ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARM Professional Services LLC
State: IL

Complaint narrative:
I HAVE OVER 50 ITEMS ( VIDEOS, Calls, emails, and pictures ) Of proof PLEASE DO ME THE FAVOR AND TAKE ME TO COURT PLEASE!!!!!

A complaint with the XXXX  is filled, numerous pictures and emails ( some attached ) proving the amount is completely wrong/ the balance is XXXX. I waited over months for them to fix the itemized document and they ignored me then sent the account to collections I I okayed them taking me to court ( bluffing to scare me into paying ) they breached the contract in numerous ways and know it that's why they quickly handed the debit off and literally refuse to speak to me now. No calls or emails received and when I do reach out I am hung up on as recently as XX/XX/2021. ( Proof in emails attached as well ) 1.the pipes where ruined while I was in the building and even after the fact ( sign telling tenants don't run the water until further notice on the door ) 2.I paid my last, first month 's and deposit and got non of it back 3. Proof in emails that I gave over 3 months notice!!! And even asked to stay of they would just fix the issue that breached our contract and they didn't 4.Pictures attached of how clean and fixed up I left the apparent and videos were emailed and saved. Showing nothing needed repair 5.I advised and they knew as seen in the text between me and the leaser that I was gone hints the electricity would be off and they said I " turned the switch in the basement off '' causing ( already damaged pipes ) more damage which is a LIE.they just wanted a discount for their repairs Everything about this is a scam look at the XXXX reviews from real people and not bots THEY ARE MONEY HUNGRY XXXX  DISCRIMINATING unprofessional people. That don't even call you or contact you back

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 monetary relief
Consumer complaint received 2021-07-26 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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I requested validation of this account alone with itemized payment dates. 
My last communication was on XX/XX/2021. 
Until now I have not received any proper investigation report .Neither I was informed about such actions.As required by FCRA Duty to Provide Accurate Information : FCRA 623 ( a ), this account must be deleted from my report and blocked from the further appearance .Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I notified The company prior to XX/XX/XXXX of this year of financial hardship and then afterwords on XX/XX/XXXX I let them know of my unemployment that began that time and opted to take the unemployment insurance and I paid for on my loan. They did not process the unemployment insurance paperwork correctly ; so I reached out to them using several different methods and finally filing a dispute with you just previously. They contacted me and seemed like they were finally correcting the situation however upon checking my credit score and report again they have not done so, or they have changed it and then went back and reported it as a delinquent account after the fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I notified The company prior to XX/XX/XXXX of this year of financial hardship and then afterwords on XX/XX/XXXX I let them know of my unemployment that began that time and opted to take the unemployment insurance and I paid for on my loan. They did not process the unemployment insurance paperwork correctly ; so I reached out to them using several different methods and finally filing a dispute with you just previously. They contacted me and seemed like they were finally correcting the situation however upon checking my credit score and report again they have not done so, or they have changed it and then went back and reported it as a delinquent account after the fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I've started receiving hang up calls from Comenity Bank/XXXX XXXX on my cell phone and today ( XX/XX/21 ) they've left messages on my brother 's phone giving a misleading bank name. I called the message phone number left on his phone and found out it wasn't " XXXX XXXX '' but Comenity Bank/XXXXXXXX XXXX. The collection agent " XXXX '' was very rude, wouldn't let me talk, kept contradicting me as to whether I made payments ( I have ) and refused several requests for the address for their Customer Service Department. Finally he gave it to me and then started another rant non-stop and I hung up. I'm sending them a cease and desist letter per the Fair Credit and Collections act but I don't like the threats he was making so I want to register a complaint. I had an agreement to make payments monthly at {$20.00} a month, actually have been making them at {$30.00} a month and they state that what I pay doesn't even touch the principle of my account! I want the calls and rude threats to stop.

Company response to consumer: Closed with non-monetary relief