vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Throughout the pandemic I made great efforts to make payments my credit cards. Although not always the amount due, I remained in communication with the creditors, waiting for long periods of time on hold. 
After coming into some money, I paid off all of my accounts in full. Before the next cycle could document all of accounts being at XXXX balances, Chase closed my account citing balances proportionately too high compared to available credit. Except for my student loan balance, all of the accounts were at XXXX balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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:
THIS IS MY SECOND TIME DISPUTING THIS FRAUDULENT ACCOUNT ALONG WITH THESE INQUIRIES. THESE COMPANIES SHOULD NOT BE ALLOLWED TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THIS IS A VIOLATION OF MY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: AL

Complaint narrative:
THIS IS MY SECOND TIME DISPUTING THIS FRAUDULENT ACCOUNT ALONG WITH THESE INQUIRIES. THESE COMPANIES SHOULD NOT BE ALLOLWED TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THIS IS A VIOLATION OF MY RIGHTS.

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 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I close my house XX/XX/2020 with XXXX XXXX and they transfer me to mr cooper. In the middle of XXXX pandemic happens and I lost my jobs, I call mr cooper and they told me about forbearance plan and there is no interest or fee. After 3 month I call customer service was telling me dont end the forbearance plan yet, because you dont know what will happen with this pandemic and government have programs from 12 month, After the forbearance they do loan modification and they charge me interest {$710000.00} and on the top of trial payments that I already make. So instead of helping me, I feel they scam me. They add move debt to my mortgage saying that they dont charge the interest for late payment but they charge daily interest for amount that on forbearance. I call to end my forbearance plan but they keep postpone everything. When I ask should I make a payment they said no because you on loan modification, but when I ask about the interest that they charge me then the answer is because I dont make payment, so what ever I do I will still get charge. They never mention anything about any interest for going to forbearance. If they said something then I will go knowingly and I will try to make little bit payment so I wont be charge like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MD

Complaint narrative:
I have been requesting a specific detailed section from my LexisNexis consumer report. 
It deals with how information about my address history is collected in Section 2 of my consumer report. I have been requesting the detailed information as to how their company compiles this information, as the report itself states that the consumer can request this detailed information. They have continued to send me nothing more than additional chips of the same report. I have been requesting the further detailed report of Section 2, and they have failed for months at delivering this item to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: LA

Complaint narrative:
I RECENTLY WAS RELEASED FROM XXXX 2 YEARS AGO AND I HAVE FRAUD ACCOUNT IN MY NAME I WAS IN XXXX FOR A TOTAL OF 8 YEARS

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 2021-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Im on a covid 19 forberance since XX/XX/XXXX. My work hours were reduced then I got XXXX and was not able to work. I have been reaching out to Wells Fargo since XX/XX/XXXX to get into an agreement for payment. I was told I can do a loan modification but they are not helping me out. They keep asking for the same documents. No one calls back with a clear answer. They assumed I was married to my cosigner who is my sister in law without asking any clarification. I keep calling and every rep I talk to says something different every time. I asked to speak to a supervisor on XX/XX/XXXX. They said a supervisor will call me back within an hour and noone called me back. I called back XX/XX/XXXX and I was told I needed to speak to a high XXXX department but noone answers the phone. The rep said that dept might be closed and to call back the next day. I can't get help from them for 3 months now. I need to keep my home. Now I'm stuck with over XXXX balance that I can not pay at once. Wells Fargo is horrible.

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 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
On XX/XX/2021, I instructed " MRS Associates '' to cease and desist contacting me via my cellphone regarding an alleged debt. That call was recorded by me in full. The customer service rep acknowledged my request. On XX/XX/XXXX, the company texted me again regarding the alleged debt. I called back the number to ask to speak to the company 's legal representation to resolve the issue. The customer service rep acknowledged that I should not have been contacted again, yet refused to connect me with a legal rep or attorney for the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One is reporting inaccurate and old information to my credit report. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609that this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: FL

Complaint narrative:
I have been disputing 2 accounts on my credit report since XX/XX/2018! These items should NEVER have been reported the way that they have been! After over 2 years of disputing, these needs to be completely corrected and/or removed immediately!

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 2021-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
Applied for an online loan through the website of the business, on or about XX/XX/2021. Immediately, provided the company with two years of tax returns as requested. On or about XX/XX/2021, was asked to provide a front/back picture of my drivers license along with a selfie, this was immediately provided. On or about XX/XX/2021, I received a couple of daily phone call messages from the business with a heavy accent that was hard to understand, advising me to call in. The business was already provided with everything requested. In fact, I applied at a competitor at the same time, and the loan was fully funded within 2 days of applying. 
On XX/XX/2021, the business sent via email an notice claiming your recent application through Avant has expired.

Upon receipt of this complaint, send me a statement of specific reasons why you were not able to offer a loan to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax, what you are doing is clearly illegal. we are now at 60 days since my original dispute and you now barely say i did not supply sufficient identification. In my original dispute i provided a notarized affidavit confirming my identity as well as a drivers license and bank statement. 30 days later after no response I sent I also sent a follow up letter. Today in response have mailed a copy of everything plus a w2 and a additional letter addressing these games you are playing. I will also be filing a complaint with the XXXX and If I have to the attorney General. 

Original CFPB complaint : " Someone please help! I have reached out to Equifax multiple times and they never get back to me. on XX/XX/XXXX I sent a letter disputing all that was wrong with my report. Along with it like recommended o their site i sent a copy of my Id and a notarized letter confirming the dispute. I never got a response and they couldn't tell me anything over the phone. I sent my original dispute on XX/XX/XXXX. That's 51 days! A month later on XX/XX/XXXX I send another letter demanding the investigation results. Still nothing! CFPB please step in and help with this. I understand covid may delay things but this is ridiculous and I doubt its legal ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CURO Intermediate Holdings
State: MO

Complaint narrative:
My ex husband was taking out loans in both of our names and in just my name online with all of my information. I have tried disputing with XXXX XXXX and contacting speedy cash and debt collector. I filed bankruptcy in XXXX  and haven't done any payday loans or installment loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-18 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: LA

Complaint narrative:
I RECENTLY WAS RELEASED FROM XXXX 2 YEARS AGO AND I HAVE FRAUD ACCOUNT IN MY NAME I WAS IN XXXX FOR A TOTAL OF 8 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I sent a wire to XXXX on XX/XX/2021 for {$21000.00}. The wire was never accepted by the bank from my account at XXXX XXXX XXXX XXXX. I have reached out to both my bank and JPMChase and the business that received the money Gemini Trust Company LLC. My bank told me that the wire has already been sent and received by Gemini Trust Company LLC. I have the XXXX and XXXX numbers to prove and show the transactions. I have been told that Gemini Trust Company LLC has already switched banks to a new account. But that was after the wire transfer had been completed. So that shouldn't be the issue anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have incurred numerous unauthorized subscription and membership charges from XXXX from XXXX to XXXX, totaling to nearly {$500.00}. I cancelled these plans on multiple occasions, for which these charges were generated but they continued to be automatically reinstated, thereby resulting in unauthorized transactions to my card. 

A few of the various subscriptions & memberships that I was charged for include, but are not limited to, the following titles : XXXX Membership, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, etc ... 

I reached out to my bank to try and resolve this issue but by the time I'd recognized these charges, the deadline for filing a dispute had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name and social security number were somehow breached and someone was able to file a fraudulent unemployment claim using that information. As a result, I was told to contact all three credit agencies to freeze my credit. I was able to do so with XXXX and XXXX but had difficulty with Equifax. The system locked me out and then sent me a verification code in the mail which failed to work when I tried to enter it repeatedly. I then called the company and had to answer questions in an automated system. The robotic voice is too difficult to understand and I apparently didn't answer all of the questions correctly. This system is problematic because there is no customer service person to engage with. For example, I was going through a divorce and my husband went to re-finance our mortgage. Since I wasn't present in the house for that transaction I didn't recall when or know what finance company he re-financed with to assume the mortgage on his own. This was one of the questions, so yet again, I have been locked out of even speaking to a customer service representative!! In the meantime, my credit remains unfrozen. 

Equifax is now requesting that I send my name, address, social security number, date of birth, copy of my driver 's license and a summary of my request. Are you kidding me? If someone intercepted that letter, my excellent credit could be ruined forever. This is outrageous and terrible customer service. I would like a human being to contact me to resolve this issue. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is my second complaint being filed for Capital one for the two accounts listed on my credit report. 

Validation letter was sent. Company responded but did not provide any supporting documentation requested. This was verification not validation of the debt. 

Capital one sent a second letter stating no statements or current balance could be provided. The account is closed/charged off. 

Attached is the original letter for validation. Capital ones 1st/2nd response for the two accounts in question. 

This 2 account are to be deleted immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Concentric Receivables Management, Ltd.
State: TX

Complaint narrative:
I have filed multiple disputes with XXXX concerning an unauthorized hard inquiry ( XXXX XXXX/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( Concentric receivables Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from XXXX that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, XXXX XXXX sent me a letter and also sent a letter to XXXX saying " After review of the XXXX XXXX XXXX claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to XXXX to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does XXXX continue to say the hard inquiry is verified? That's a lie! Additionally, since XXXX would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on Concentric Receivables for having an unauthorized account on my XXXX credit report and on XX/XX/XXXX Concentric Receivables responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that XXXX is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the XXXX data breach. This hard inquiry and collection need to be removed from my XXXX credit report today!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have filed multiple disputes with XXXX concerning an unauthorized hard inquiry ( Comenity bank/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( XXXX XXXX Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from XXXX that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, Comenity Bank sent me a letter and also sent a letter to XXXX saying " After review of the XXXX XXXX Reward claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to XXXX to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does XXXX continue to say the hard inquiry is verified? That's a lie! Additionally, since XXXX would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on XXXX XXXX for having an unauthorized account on my XXXX credit report and on XX/XX/XXXX XXXX XXXX responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that XXXX is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the XXXX data breach. This hard inquiry and collection need to be removed from my XXXX credit report today!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
Greetings, I have received a second factor authentication ( XXXX ) for an account I have NEVER made on from Cash App ( XXXX ). 

I contacted their resolution phone number at XXXX XXXX XXXX XXXX to request that check their system why I was contacted and to ensure someone wasn't trying to make an account in my name. 

They refused to do anything. They refused to : - Check to see if my email had an active account attached to it. 
- Check to see if my name was used in the creation of any account. 
- Place a " do not contact '' related to my name sake or email in their system. 
- Remove any information seemingly connected to me. 
- Connect me to a supervisor ( because the front line agent refused to do any of these things ).

Company response to consumer: Closed with explanation