vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 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: DISCOVER BANK
State: CA

Complaint narrative:
Apparently someone fraudulently applied for an XXXX student loan through Discover for {$20000.00}. I received two letters from them where it states it was denied because they could not confirm my identity. I spoke to the fraud department on several occasions to try to have this hard inquiry removed from my credit report and I had to explain that it was not me who applied for this loan. Someone else applied without my knowledge or permission but they said they were not allowed to share the email address with me of who applied they said I would have to file a police report. At this point I just want it removed as a hard inquiry on my report one of the letters I received is dated XX/XX/2021 the application ID is : XXXX, Discover address is : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. They told me they would send an email to the three major credit bureaus explaining that this application was done fraudulently but I could only confirm with XXXX that it was removed from there end. It is still showing on my XXXX report and as for XXXX I can not get a hold of a live person. XXXX informed me that I had to write a written complaint regarding this and also to write to you guys explaining as well so that FTC could send me a form that I can in turn send in to XXXX credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This complaint is in reference to an original complaint in which Chase ( in my opinion ) fraudulently pulled a credit report and sent me an active card which required me to spend hours on the phone trying to get resolved and ultimately got addressed through a prior complaint. As a result of Chase trying to resolve the initial complaint ( XXXX ) which was being addressed by XXXX of the executive department of Chase they closed down my account access to my car loan. I took out a loan when I purchased a XXXX vehicle which was apparently financed by Chase. As they closed the credit card I did not apply for they are preventing me from accessing online and making my payment for my car. I informed XXXX of this on XX/XX/XXXX at which time she said she was not sure how this would be corrected but would check and get back with me. By XX/XX/XXXX I still had not heard of XXXX and so made another call and left a message. As of the date and time of this complaint I still have not heard from her and with a payment due on my car I'm facing a potential late charge. I have spent hours on the phone trying to get all of this resolved with Chase employees who have generally been useless and actually created new problems. If Chase is going to prevent me from making a payment they should waive all due amounts, or allow me to make my car payment which as always been made prior to the due date and never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: WA

Complaint narrative:
I received a mail solicitation from KeyBank, offering a {$500.00} credit if I opened a new checking account that would receive a single direct deposit of {$500.00} or more. 
I opened the account on XX/XX/XXXX, and the first ACH deposit ( from my employer ) was in the amount of {$1000.00} on XX/XX/XXXX ( my first pay date following opening the account ). Subsequent ACH deposits have followed. 

The specific commitment made was " Your gift will be deposited within 60 days of meeting requirements '', which requirements were met with the XX/XX/XXXX deposit. 

I have repeatedly contacted the bank, been promised action, and they have failed to complete the crediting of my account, without explanation. 

The specific offer code was XXXX, which was supposedly encoded into the account when I opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The first round of letters I wrote to all 3 credit bureaus XXXX, Transunion, and XXXX on XX/XX/2021. Demanding that the things being reported on my credit report needed to be removed. I never gave them written consent to furnish anything on my report pursuant to 15 USC 1681b ( 2 ). No consent is identity theft! They only thing that I got from Transunion and XXXX was a credit report with nothing removed. XXXX never responded during the 30 days provided after the certified mail receipt.

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 2021-11-09 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: SC

Complaint narrative:
The first round of letters I wrote to all 3 credit bureaus XXXX, XXXX, and Equifax on XX/XX/2021. Demanding that the things being reported on my credit report needed to be removed. I never gave them written consent to furnish anything on my report pursuant to 15 USC 1681b ( 2 ). No consent is identity theft! They only thing that I got from XXXX and Equifax was a credit report with nothing removed. XXXX never responded during the 30 days provided after the certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: DISCOVER BANK
State: MI

Complaint narrative:
As a co-signer of this student loan I was unaware of the delinquent payments. This caused my credit score to decrease. When I became aware of the delinquent payments, I paid the outstanding balance and have continued to pay the monthly payment on time. My credit score has not reflected my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: IL

Complaint narrative:
I missed my first payment ever and paid it as soon as I found out I was late. I paid the entire payment on my card like I always have. I've had a credit card since I was XXXX ( now XXXX ) and have never missed a payment. US Bank turned my card off without telling me it was going to happen and even though they can see my payment processing they won't give me access to my card. 

I called into US Bank 4 times and have gotten 4 different answers. I was told I would be able to use my card and got the interest fee reversed since this was my first missed payment ( wasn't told I wouldn't have access to my card ). Then when I went to use my card I got denied even though I am nowhere near my limit. Called back in and they said yes your access has been stopped until the payment is processed they told me I would have access the next day. I have called in 2 more times after talking to my dad who was in banking his entire career and he said no I should have access to use my funds, now 2 different supervisors have told me 2 different things, one said I would have access today ( Day 3 ) and the other said nope not until tomorrow ( Day 4 ) and there is nothing they can do even though they can see my payment history and that I paid it in full. 

Because they took my access away to use my credit card without telling me : no email or notifications on my account, I am now behind on other bills for my house and business. 

This is not the first time they have randomly turned access off to my card, I was trying to purchase something and US Bank marked it as fraud, but never messaged/contacted me to check even though I signed up for those alerts. 

The rep today told me it wasn't US Bank 's fault that I wasn't getting the emails or notifications, it was all my fault or my email providers, however, I checked my junk, deleted, and inbox and the only email I have from them is my monthly statement ; nothing about fraud or that I wouldn't have access to 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
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: FL

Complaint narrative:
Attached is the most recent tax bill for XXXX issued by XXXX XXXX XXXX Collector. It states please contact your mortgage holder to confirm payment will be made. If paid by XX/XX/XXXX the amount due is {$3000.00}. Upon log in to my account at Union Home Mortgage on XX/XX/XXXX, the escrow balance is {$3200.00}. Therefore, there is enough in the escrow account to submit this payment in a timely manner. Confirm when payment will be sent.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2021 ordered a sofa, chair and desk. 
on XX/XX/2021 my card was charged for the sofa. 
Received the sofa on or about XX/XX/2021. 
Contacted XXXX to indicate it was the wrong color. 
XXXX sent a pick up label and asked that we attached it to the box. 
The sofa was picked up between XX/XX/2021 and XX/XX/2021. 
I have never received credit for the return. 
I contacted Chase on XX/XX/2021 and entered a dispute. 
On XX/XX/2021 Chase rebilled my account for the charge stating that I received the sofa. 
I called the disputes department on XX/XX/2021 and was asked to send proof that the sofa was returned, which I did. 
I called the dispute department on XX/XX/2021 and was told the dispute was closed and that I would have to go back to XXXX ( which I have done no less that 10 times ). I tried to confirm that my additional information was received and was told the dispute was closed.

I not have to pay for something that was returned over two months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 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: NY

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-11-09 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I reported to the credit bureaus : XXXX and XXXX that the account of XXXX was not my account. Placed disputes for XXXX with the credit bureaus on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They were all denied and were told to keep on credit report even when I provided a FTC report attached. I called the credit bureaus on XX/XX/XXXX asking both how was the information confirmed by the company and they told me to call XXXX. I tried calling XXXX several times on separate times and I could not talk to a representative to ask for them to provide me documentation of my signature opening the account because according to XXXX I dont have the proper information to verify the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX has been reporting innacurate information to equifax XXXX  and XXXX The account being reported is innacurate and unfair it is damaging my consumer rights which are federally protected and has hindered me from the pursuit of happiness and has hindered me from being approved for credit. The attached ftc report show in detail some of the damages that have been done. I require that this account be removed from all three Consumer reporting agencies and i be compensated XXXX for consumer violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
This is now my FIFTH COMPLAINT for the same matter. XXXXBridgecrest has not provided title to the car but they acknowledge that I paid off the loan in full at the end of XXXX. My fourth complaint still shows open in your portal but the company has not made contact and I think five months is long enough to wait for the title. 
Do I need to start writing congress? Can XXXX XXXX help me if I contact her? As you can tell, I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
i got out of school in XXXX  when this company was still sallie mae. My month to month payment have been {$370.00}. They are now over {$400.00}, and with the interest rates rising continuously i am never going to get out of this. They want my parents house as collateral. no bank will touch the dam thing and Ive been threw two bankruptcies due to there people. the interest rate is over 13.5 %. I have contacted them many times about other options or lower payment and they wont budge. What Ive paid in interest and on the loan should have had it paid off already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: NC

Complaint narrative:
On XX/XX/2021 I sent a bankruptcy letters to the courts asking for verification. I wrote a letter to the court and got a response on XX/XX/2021 stating they do not report information to CB. However I sent a copy of the letter the letter to Experian along with items to disputes on letter that attached on XX/XX/2021. No items was removed, no information from Experian was received to me. It's been 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 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I had a loan ( # XXXX ) with XXXX Mortgage that we were working on a Deed In Lieu during XXXX. We were 90 % through the DIL process when they transferred my mortgage to New Rez/Shellpoint in XXXX of XXXX. 

I consummated the DIL with Shellpoint on XX/XX/XXXX with the final doc attached showing it was assigned to XXXX under loan number XXXX. Property address was XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX - XXXX  XXXX. 

On XX/XX/XXXX I received a letter from Shellpoint stating they were transferring the mortgage we completed the Deed In Lieu for ( XXXX ) to XXXX effective XX/XX/XXXX. 

XXXX - I spoke with a representative at XXXX ( XXXX ) who allowed me to email the XXXX XXXX to XXXX and said she would forward it on. 

XXXX - I spoke to XXXX XXXX at Shellpoint and was asked to email the DIL doc to their XXXX email address. 

XXXX - I received a letter from XXXX stating my account ( loan # XXXX ) is in default and due for a XXXX mortgage payment. 

The DIL was frustrating to complete with both organizations but I am befuddled how after completing the DIL how Shellpoint could transfer the mortgage to XXXX. I am having to now spend hours calling, on hold, speaking to representatives and documenting this series of events. 

Please help me take action and remediate their error of transferring a mortgage ( Shellpoint loan # XXXX ) that no longer exists to XXXX ( old loan number XXXXnew loan number XXXX ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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:
Equifax Confirmation # XXXX XXXX Report # XXXX XXXX File # XXXX I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: IL

Complaint narrative:
I just received my credit report and noticed unauthorized items they shouldn't br on my profile

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I opened a credit card with synchrony bank guitar center in XXXX of 2021. I was given a credit limit of {$600.00} i have used and paid ever since without missing any payments. Synchrony bank decided to decrease my credit limit for no good reason after I asked for an increase in my credit. I have no derogatory history with synchrony bank. According to the ECOA I am entitled to my credit and can not be denied credit as long as I have capacity to enter into contract. I am being discriminated against when synchrony bank performed unreasonable searches on my name to deny my right to 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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I disputed this account XXXX and to this day it has not removed from my credit report. I called the company and dealt with the credit bureaus directly. Although they returned a verdict of saying that the account was found fraudulent they never deleted it from my credit report even though XXXX XXXX stated that it would be deleted from my report first on XX/XX/XXXX then again on XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I disputed this account XXXX and to this day it has not removed from my credit report. I called the company and dealt with the credit bureaus directly. Although they returned a verdict of saying that the account was found fraudulent they never deleted it from my credit report even though XXXX XXXX stated that it would be deleted from my report first on XX/XX/XXXX then again on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: AR

Complaint narrative:
There is an inaccurate account that is reporting to my EXPERIAN and XXXX credit report. I sent a letter via standard shipping on XX/XX/2021, and I have yet to receive any explanation of this unknown account. This agency is in violation of the U.S. Fair Credit Reporting Act by failing to respond within 30 days. I am asking for proof of this debt or remove this account from my report. I also tried to submit a dispute for EXPERIAN online and received an error message being that this dispute is in process. This dispute should be over. Remove the following account Account : XXXX XXXX XXXX Amount : {$360.00}

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