vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
In XXXX we moved from XXXX  to XXXX due to a job offer in XXXX. We put our home on the market, but removed it as a favor to a family we knew that needed a place to rent for a year. That turned into

t wo years. And deep regrets for many reasons. After eight
years of renting the house to various renters, many of whom did not pay rent, and several who damaged the property, we were unable to make the repairs necessary to keep owning it as a rental property, and it was still upside-down in value. We found a buyer for a short sale, presented Chase with a complete and reasonable short sale purchase offer in XXXX. 

Instead of closing on our offer in a timely manner, Chase sat on the file for 10 months, constantly threatening us and offering us mortgage refinancing that we could not afford. After around ten months, they initiated foreclosure. Shortly after that, in XXXX, after 11 months of stalling, they suddenly closed on the original short sale offer. Some time later, they sent us a letter apologizing for their mishandling of our foreclosure initiation in particular, and enclosed a check for ~ {$150.00} or so as a sop for our troubles. I was very angry. 

The only major negatives that exist on our credit are that started foreclosure and the short sale. Last week we applied for and were denied a mortgage refinance for the lowest rate in decades. The foreclosure start was the final straw that prevented that. 

We need that foreclosure start removed from our credit. It should not be there. We believe that it was put there in pure spite by Chase, with no intention of following through, just to hurt us further, when they were going to take the short sale offer anyway as evidenced by their closure on the short sale soon after.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: ME

Complaint narrative:
In XX/XX/XXXX I submitted a complaint to CFPB regarding the servicing of my mortgage. The company ( XXXX ) had incorrectly reported my mortgage account as 30 days late to the credit bureaus. Last year, XXXX my previous mortgage company sold my mortgage and the servicing of the mortgage to XXXX. Because I was out of the country, I missed the notification of the change and continued to pay XXXX for two months after the mortgage had been sold. When I returned from my trip and realized my mistake, I immediately called XXXX to explain the situation. I explained that I was in the process of trying to get the mistaken payment reimbursed from XXXX. I immediately paid the XX/XX/XXXX bill but could not afford to pay the XX/XX/XXXX bill without first getting reimbursement from XXXX. Nonetheless and despite my explanation to XXXX, it reported me as 30 days late on my XX/XX/XXXX payment. In XX/XX/XXXX I filed a complaint with the CFPD against XXXX. By letter dated XX/XX/2019 ( attached ), XXXX denied that it made a mistake but nonetheless agreed to change its report to the credit agencies as " current, pays as agreed. '' The letter said to allow 45 days for the credit agencies to update their records. Since that time, most of the credit agencies have updated the reporting of my loan. However, one agency Equifax has not made the change and contunes to report me as 30 days late on my home loan. Equifax says that XXXX has been unresponsive to its requests for the information so that it can confirm that the delinquencies have been removed. XXXX has not responded to my request for assistance. I have called XXXX XXXX who wrote the XX/XX/XXXX letter on behalf of XXXX multiple times. Despite multiple calls and messages explaining the situation, neither XXXX nor anyone else at XXXX has returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
I signed up for a Square Cash/Cash App account back in XXXX, and my account has been in good standing ever since. 

I noticed over the weekend ( XX/XX/XXXX-XX/XX/XXXX ) that my Cash App card stopped working. After opening the Cash App and going to the Support page, I saw a message saying, " Your Account is Closed '' and " We're really sorry but it looks like your account is in violation of our Terms of Service. ( https : //squareup.comXXXX ). '' I read the Terms of Service, and my account is not and has never been in violation of the Terms of Service. I tried to speak with a representative about this by calling the number on my Square Cash Card ( XXXX ), as well as the number specified in the Terms of Service ( XXXX ), and both numbers played recordings saying to contact support through the Cash App. 

On XX/XX/XXXX, I contacted support through the Cash App as indicated, requesting that my account be reinstated and offering any additional information that might be needed. I received an immediate auto-response by email as follows : -- - Hello XXXX, Your Cash account has been closed and can no longer send or receive payments. 

Reasons for this decision may include your account history, transaction disputes, or other violations of the Cash Terms of Service [ https : //cash.appXXXX ]. 

Unfortunately, we can not provide further details regarding our decision, which is final. We are unable to reactivate the account. 

If you have a stored balance, you can Cash Out the funds. If you have any issues, we recommend that you link a previously used or a new card/bank account. 

To Cash Out : 1. Open the Cash App and tap the dollar amount in the bottom left corner 2. Tap Cash Out > Confirm the Cash Out amount 3. Funds will deposit in 1-3 business days. 

We appreciate your understanding and cooperation with this matter. 

Thank you, Cash Support

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
On XX/XX/2019 specialized loan servicing LLC reported to my credit that I was behind a payment even though I have never missed a payment I never received a letter letting me know about this problem I was notified by XXXX XXXX I called them to see what was going on they said I was behind {$280.00} but they didn't know why they said they would look into it and after many phone calls and hours and hours on the phone being bounced from one person to another after two months of this I Findlay got a lawyer involved on XXXX me and him were on the phone with with them for a hour and forty eight minutes they still couldn't figure out why I owed the money then a day or two later they sold it too XXXX XXXX XXXX XXXX   and they took over my payments as of XX/XX/2019 but it was reported to them I was behind but they also not informed why so I spoke to them late XXXX early XXXX about this and they said it would take 60 days for them to go over all the stuff they received from previous mortgage company after they looked over everything they didn't have a answer why so they had me send in my proof of payments and they looked in to it now they said they figured it out that specialized loan servicing LLC decided there was not enough money in my escrow account so they took it from a principal payment and put it in to escrow account with know notice to me I never missed a payment I can't see how this was my fault they miss calculated and chose to fix it with out letting me know there was a problem I am XXXX and can't afford to make extra payments for a mistake specialized loan servicing LLC made

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 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 I was informed via telephone that my business bank account with SunTrust was being closed. I asked why, I was told I would receive a letter explaining why and that any funds in the account would be mailed in a check within 10 days. Approximately a week later, I received a letter from SunTrust explaining that SunTrust had decided to end their relationship with me and again stating any funds that were in the account would be mailed to me. At the time ( in or around XX/XX/2020, I had already requested funds from the IRS be sent to my business bank account and I was not able to reverse that transaction. On XX/XX/2020 a direct deposit from the IRS was sent to my bank account and was received by SunTrust into the account that was supposed to already be closed. On XX/XX/2020 I called SunTrust to ask when I should expect to receive my check ( minus any funds that were owed to SunTrust ). I was informed that I would have to wait at least 5 days after my last transaction from XX/XX/XXXX ( which was a {$15.00} maintenance fee charged by SunTrust ) to receive a letter regarding my account being closed. I had already received this letter in mid XXXX. Then I was informed that my check would be mailed ( at some point ) after that letter, likely 10 to 20 days per the customer service representative. I would prefer to not wait another month for MY money.

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 2020-03-02 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: TX

Complaint narrative:
ftc violations As part of a {$90.00} XXXX proposed settlement, XXXX is refunding customers who were unfairly billed third-party charges by the company. XXXX has been contacting all of its current and former crammed customers to let them know about the refund program and claims XXXX XXXX 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 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was mislead through a CHASE BANK phone conversation regarding the down payment I paid toward a refinance of my current mortgage. I was told that the deposit was refundable. An inspection was never completed on the property but the appraiser said I had to replace an inside door a, tiled basement floor and fix the spackle job in the bathroom ceiling. There was never a Purchase or a Refinance contract given to me stating the terms of my down payment or allow for any contingencies. I was told that my application was denied unless I do repairs that the appraiser could not confirm if the repairs were necessary. The language they used was they " may be '' necessary to repair but were not requires. Chase would not move forward with my loan application, therefore it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: GA

Complaint narrative:
XX/XX/XXXX I pulled my free annual credit report. After going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX   account opened XX/XX/XXXX with charges exceeding {$5000.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1300.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$6100.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1100.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}. I have filed a complaint with the FTC, please see attached complaint 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 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received the Citicards secured Visa card in XX/XX/2018, several years before I was blessed to have a healthy baby girl. Later when I experienced the birth of my daughter and while going to school for a better career to support my family, I became disorganized with respect to making timely payments with Citicards. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Citicards since that time. I have only one late payment dating back to XX/XX/2018 that I am asking to be removed from my credit reports because of situations announced above.

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 2020-03-02 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: TN

Complaint narrative:
Please remove fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/2020 i called my freedom chase credit .regarding why i was late for the payment of the month of. XXXX .i told them i was out of the country that i was going to pay my credit card. and i did on XX/XX/XXXX after i paid XXXX next day they decrease my credit limit from XXXX to XXXX! i think is not fair i always paid my card. i called many time to fix this problem and restore my credit line, but they are using that i have collection with XXXX for XXXX dollars.when i applied for this credit card that was there already, and i don't have delinquent account with chase .i think this no fair or even legal to that to a person .my concerning is my credit score will get affected. i want to restore my credit line after i paid that big amount. when i call before customer service told me not to worry about it that i just have to made a payment of XXXX on XX/XX/XXXX. but i paid XXXX cause i really want it to have my credit line up to date .am really confuse i think this is not rigth. thats why am making this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: TX

Complaint narrative:
ftc violations As part of a {$90.00} XXXX proposed settlement, XXXX is refunding customers who were unfairly billed third-party charges by the company. XXXX has been contacting all of its current and former crammed customers to let them know about the refund program and claims XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I have an account with Robinhood ... an online investing platform with investing, cash management and low cost trading services. I have had an account for several years and I have not had any problems until today. 

I have been trying to access my account all day and I can not make any trades or move any money in or out of my account. I started out at market opening by trying to make several trades, but I was unable to place any trades. So I have sent multiple emails through RH customer support, but they have not responded. 

My biggest concern is that I can not access my funds. But I am also concerned about the lack of trading services and the lack of customer response. So to iterate ... 

1. Can not make trades today XX/XX/XXXX. 
2. No response to my problem reports through RH customer support. 
3. Lack of access to my funds either through trades or cash account. 
4. I have no idea if this is a temporary system problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have a loan with XXXX XXXX XXXX, they stopped reporting to the credit bureau arond XX/XX/XXXX, i then filed a dispute with experian around XX/XX/XXXX, i never recived a letter of there results, it now appears experian has removed the account from the credit 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 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
FreeMsg : Verify Wells Fargo activity. Card XXXX {$1300.00} @ XXXX XXXX XXXX {$27.00} @ XXXX XXXX Reply Y if recognized, or call XXXX. STOP to stop msgs This text message was received today, XX/XX/XXXX at XXXX XXXX ET. This is not mine. I have never had a credit card with Wells Fargo. My deceased mother had a Visa with them but that account number ended in XXXX. Spoke with Wells Fargo today who confirmed my moms account is closed and listed as deceased and that hers is the only account associated with my cell phone. I spike with XXXX in their collections department. 

Several months ago I received voice messages from Wells Fargo where someone was attempting to open a mortgage in my name. I reached out and advise I had not make any credit applications with them and ask them to show that application as fraud. They assured they would but a month or so later I received another voice message. I called again and was assured again they would close that application as fraud. 

Ive since added security freezes to all 3 credit bureaus as another company, a bank, had pulled my XXXX XXXX, I believe, credit file for a mortgage application. I contacted the company and they supposedly reflected it as fraud and the credit union removed the inquiry once I contacted them. 

Someone withdrew almost {$1000.00} from my XXXX XXXX XXXX money market account with XXXX and some other companies. After disputing as fraud, the credit union replaced all monies and closed the account. 

Someone has stolen my identity and attempting to open accounts in my name and somehow has access to my accounts. 

Help

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 2020-03-02 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: TN

Complaint narrative:
Please remove fraudulent 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 2020-03-02 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: TN

Complaint narrative:
Please remove fraudulent 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 2020-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had a car loan with Capital One Auto Finance in XXXX of XXXX for my new XXXX XXXX XXXX which matured after paying on time for 6 years. On a Sunday morning, XXXX of XXXX after my account showed that it had matured, Capital One sent a repossession tow truck to come get my vehicle stating that I still had a balance on a loan that was paid off and took my vehicle. I did pay whatever I owed which was late fees to get my vehicle back and now Capital One and all three credit bureaus are reporting my vehicle as a repossession which is now causing me to not be able to obtain credit on another vehicle. I did owe some late fees in which I had all intensions of paying, however, this doesn't justify a repossession on late fees. I need this investigated as I am now frustrated with the damage that it is causing to my credit as well as trying to resolve it on my own and calling Capital One Auto Finance and getting nowhere and being continuously hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
Have repeatedly called CBS to ask for a hard copy itemized statement as to the six accounts showing as delinquent medical bills over the last two physical years. These accounts begin to show at the end of XXXX and no contact was made until mid XX/XX/XXXXwhen the annual credit report was printed. 
The dates and amounts are as follows : XX/XX/XXXX {$760.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} These are all reported at " XXXX XXXX XXXX XXXX '' ( XXXX ) I have called billing offices at XXXX they tell me both at the local, XXXX KY office and at their headquarters they have zero accounts showing in collections or otherwise. To their knowledge these accounts never existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation