vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I Received a letter after having making a complaint with Chase Bank and your office. Complaint ID XXXX The letter stated that my money was available on XX/XX/2020 in which they lied I tried to buy my XXXX 's medication. I had no medication until I received my money on XX/XX/2020. I received a call from the gentleman at Executive Office. 

If you let them get away with this how many other people will go thru this. 

I want to go to court, with this bank I have all receipts of my complaint. 

Best Regards XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I fil a dispute later to the company no respon

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 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Someone stole my identity and opened up an account with XXXX XXXX. I have never had an XXXX XXXX account and never opened an account with them. My social security number and wallet was stolen.

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 2020-04-02 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One has frequently refused to release amounts that I have paid as payments even though they admit and confirmed that the payment has been received. I also confirmed with my bank that the payments have been received and they flat out refused to allow mw to use the payments. The payment was made onXX/XX/XXXX and now its XXXX it's been 6 days. They decided to hold it for 7 days regardless of if it has been received or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
response to # XXXX. 
Dear CFPB.This is what I wrote to you in letter dated XXXXThe XXXX  you, they XXXX   me, they XXXX  Department of Banking , and the giving false information to the their sister company XXXX.A little background.In Connecticut city tax can be in effect only on XXXX XXXX and can be can be raised every 5 yearsWe got big increase in city tax 2 day after we bought home in XXXX XXXX.So next increased in tax can be effect on XXXX XXXX XXXX.So in the 3 quarts of XXXX   there was any increased in tax.So this is perfidious and insolent XXXX.They increased tax without any good reason.That true.Also without good reason they increased monthly payment to {$1600.00} from {$1600.00} /previously/.Yes there was an increased in home insurance in XX/XX/2019 but this $ XXXX monthly was included in $ XXXXSoThere could  not be any increased in XXXX XXXXThey count this {$24.00} second time by increasing monthly payment from {$1600.00} to $ XXXXSo again perfidious and insolent XXXX. 
So LOANCARE and XXXX are perfidious and insolent 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 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have multiple credit cards that have been charged off on my credit file. All go the charged off account were open in XX/XX/XXXX between the XXXX and the XXXX. These are all showing on my Experian credit file and I have disputed them multiple times between XXXX XXXX XX/XX/XXXX. Experian keep saying that they are verified and the account are mine and accurate. I have written certified notices with return receipts that show they received my information. The information that was sent was a valid police report and FTC file. I provided a certified police report and FTC report. I have had my identity stolen and an arrest was made, all of which was included In the police report. Additionally I am receiving restitution payments from from the defendant through the XXXX court house. I am aware that Experian is not verifying this information and I am contacting their data furnishers and it has been reported to me by letter that has been not open dispute in these 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 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I fil a dispute later no respon

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After losing my job and my unemployment benefits expired, I did not have direct deposit for my checking account at Wells Fargo Bank. 

Wells Fargo Bank then started charging me a fee of {$15.00} a month. They said I must have direct deposit or I will get charged the {$15.00} fee.

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 monetary relief
Consumer complaint received 2020-04-02 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
- Within 30 days of closing XXXX told me that not using their lender would cause the purchase agreement price to go up XXXX even before appraisal was done - XXXX also did not give me an option of purchasing a loan without PMI, said it was absolutely not possible to have a loan w/ less than 20 % down to not include PMI forcing me to choose a product I did not want - Before we signed the contract XXXX Sales Consultant , XXXX XXXX , told me that we can use any lender with only losing the XXXX incentive in closing costs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CO

Complaint narrative:
On Wednesday, XX/XX/2020, I attempted to put a Freeze on my Experian Credit Report through the Experian Website : https : //usa.experian.com/login/index I have an active account with Experian and I have confirmed my 10 digit PIN number through their Website. When I enter all my data, i.e., Name, DOB, SSN, current and previous address, and the 10 digit PIN, in order to place the freeze, the Website informs me that my identity can not be confirmed and I must submit a written letter to Experian with all this information, plus a copy of a govt issued photo ID. 

I attempted to contact Experian by phone at their Consumer Help number : XXXX, and after entering my SSN and DOB, I am offered only two options, neither of which is my issue and both of these are simply recorded messages about products and directions to go to the company 's Website. 

I went through this same process again today, Thursday, XX/XX/2020, including the Website and trying to reach someone by phone, without success. The automated phone system hangs up on callers without allowing them to speak to a representative. 

Experian appears to be forcing people to purchase an upgrade to their accounts in order to lock their credit report, since the free credit freeze process is not working. I have excellent credit and I own a home. I am very concerned that someone could use my credit to make purchases. This company is terrible and impairs the ability of consumers to protect their identities and prevent fraud.

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 2020-04-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received an alert from XXXX stating a credit inquiry was added to my credit report on XXXX. XXXX 2020 by " Syncb/Paypal. '' I do not recall or have any knowledge about is. 

Before I jump to fraud I wanted to find out more about this inquiry.

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 2020-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We have a previous complaint on file about the servicing errors and about Nationstar Mortgage dba Mr Cooper, refusing payments, retuning automatic payments as refused, then charging us late fees and starting foreclosure process, as a predatory lending practice. When brought to their attention to get them to fix it. We were told to fix it we had to apply for modification, most of there errors were caused by botched modification from late 2018. So we paid hope mortgage fees, HUD second mortgage fees twice, and lastly on a botched modification, and was ultimately made to sell our home, that was valued at XXXX, for $ XXXX- as you lender said we couldnt get the modification because we already had one. Also we couldnt open our account to make payments even though we hadnt missed any payment, until they stated refusing payment. We have sold the home to protect our investment, however with them threatening to still proceed with foreclosure, we had no choice but to sell fast,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: LA

Complaint narrative:
My husband was a XXXX XXXX XXXX at a XXXX in the XXXX   XXXX in XXXX XXXX, LA. On XX/XX/XXXX he was terminated from his job due to COVID-19. He is waiting now for unemployment assistance to begin but has not yet received any funding from unemployment. 
I have called all of out debitors and made arrangements to defer payments of credit debt with a good deal of success and cooperation from everyone except Citibank. 
I have 2 accounts with Citibank, one account is closed and I am paying off the balance. I closed the account after the bank bailout in XXXX when Citibank wanted to increase my interest rate to more than double what it was. I have been in excellent standing making payments on this account for over 12 years. Including prior to the bailout and closing my account, right up until my XX/XX/XXXX payment. I also have a Home Depot credit card that is backed by Citibank, also in excellent standing with payment history. 
I have made numerous calls and spoken with their customer service about deferment of my monthly payments due to hardship since my husband lost his job, but they continue to tell me they have nothing in place.

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 2020-04-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax XXXX XXXX and XXXX  are reporting the XXXX XXXX partial account number XXXX in error. ( Please see page attached from my credit report. ) I have fought this with the bureaus and they can not continue to report. These accounts are over ( 7 ) years old and continuing to report this is a violation of the Fair Credit Reporting Act. I request that these line items be removed from my credit report. I have continually contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting the XXXX XXXX partial account number XXXX in error. ( Please see page attached from my credit report. ) I have fought this with the bureaus and they can not continue to report. These accounts are over ( 7 ) years old and continuing to report this is a violation of the Fair Credit Reporting Act. I request that these line items be removed from my credit report. I have continually contacted the bureaus to remove these however, I have not been successful.

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 2020-04-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting the XXXX XXXX partial account number XXXX in error. ( Please see page attached from my credit report. ) I have fought this with the bureaus and they can not continue to report. These accounts are over ( 7 ) years old and continuing to report this is a violation of the Fair Credit Reporting Act. I request that these line items be removed from my credit report. I have continually contacted the bureaus to remove these however, I have not been successful.

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 2020-04-02 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: CA

Complaint narrative:
I HAVE SENT THE DISPUTE LETTERS ON XXXX, AND XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ).  PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.

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 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I filed an FTC report on XX/XX/2020 when I discovered that I had been a victim of identity theft. Capital One Bank USA N received a letter for 2 identical accounts reporting to my credit file. The letter was mailed certified return receipt and it was ignored. Capital One Bank USA N 's account is reporting the amount of {$1800.00} with another company ( XXXX XXXX XXXX ) also reporting the same account with a balance of {$1800.00}. The same amount due, proving the debt had been sold. ( 3 accounts total ) NO CONTRACTS WERE PROVIDED to show the amount paid for the alleged debt. 
XXXX XXXX XXXX received the exact letter mailed to Capital One Bank USA N also certified return receipt and XXXX XXXX XXXX and 1 of the Capital One accounts was removed from my credit file within the 15 days as requested in my notice. Neither company has responded. It has now been more than 30 days. 
All information was also forwarded to XXXX, XXXX, XXXX, XXXX XXXX, & XXXX because Capital One Bank USA N had still not responded. 
It had came to my surprise that XXXX, XXXX  , & XXXX  had all allowed Capital One Bank USA N 's fraudulent account to update on my credit file and decrease my credit score. I sent Capital One Bank USA N another Notice certified return mail received XX/XX/2020. Capital One Bank USA N is  aware this is a fraudulent account and on XX/XX/2020 Capital One Bank USA N EMAILED a bill requesting payment arrangements. 
Capital One Bank USA N 's response did not include a MAILED signed letter under penalty of perjury by the authorized representative of Capital One Bank USA N.

Capital One Bank USA N has not provided any documents proving their account belongs to me, they are not HOLDERS in DUE COURSE with the original contract signed by me with my wet ink signature and they are fraudulently updating my credit file. 
This account is listed as closed/charge-off and is currently updating in violation of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq.

If this account is not removed from my credit file immediately I will be forced to sue Capital One Bank USA N for damages for repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq. 
No further action will be taken against the Capital One Bank USA N and the XXXX XXXX XXXX accounts that were removed. 
Attachments included.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: TX

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2020 at XXXX I made an attempt to transfer {$410.00} into my Cash App account to pay rent. The app claimed that the transaction failed. I tried a second time and it said it failed again. I went on my XXXX  XXXX XXXX account to make sure it didn't go through but {$410.00} was taking out saying the payment of was sent to Cash App. I contacted Cash App via email but they told me that maybe that my bank is blocking me from making the transaction but to make sure I made a {$1.00} deposit that went through. I called XXXX  XXXX XXXX and they told I need to resolve the issue with Cash App. I was going back and forth with both parties then decided to file a claim through XXXX  XXXX XXXX. The claim was being investigated for 2 months. During this time I had trouble paying rent and almost got evicted. I continued to call XXXX  XXXX  XXXX to check the status of my claim and at the end they basically told me they can't do anything about it because Cash App, owned by Square Inc, said they don't have the money and they can't help. I filed a claim through a different site but haven't heard from them either. It's been 4 months and I still {$410.00} short.

Company response to consumer: Closed with explanation