vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX Chase bank closed my account because I received an sba grant. Without notice or warning they completely froze my account and closed it. they did not let me bring documents to prove I was entitled to the grant thats was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I went to the emergency at XXXX hospital for XXXX XXXX XXXX XXXX at the time, even through I got insurance and The doctor even touch me, it just let 's me know you can go to see your primary doctor. I thought I was receive two or three bills from them and after I usually receive a lot call by different phone number who tries to make my life miserable until when I go to credit XXXX this week I saw two different bill but there is one I know {$370.00} and the other one {$120.00} I do not have too idea about it. I got a credit card from XXXX   XXXX it was closed, when I receive a letter by XXXX  XXXX XXXX said I have too much inactivity on this account, current or past delinquency, derogatory public record ( s ) and /or collection account ( s ) Utilization of your credit is too high an make my credit score very low like XXXX. I thought this is injustice and prejudice not because you are receive the letter from the hospital you have to do that because for XXXX dollars to make me lost everything. This is an act criminal at this pandemic virus that the time you chose to do that to me. 
Not only you make me on crisis with my family that mean you are closing all the opportunity I have and you close all the door for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX XXXX took a double payment from my account. I emailed them about it XX/XX/XXXX and was ignored. I was forced to call today XX/XX/XXXX and had to wait on hold. The person on the line was able to put in a request but it will take several days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I spoke to Capital One to attempt to make arrangements for lower payments during financial hardship, they have options but they stated they will still be reporting as delinquent regardless of what was done on that call unless I paid the entire past due balance in a lump sum

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: MD

Complaint narrative:
This account has a balance of {$5500.00} on a charge off. This account has to be deleted because there should not be a balance on a charge off account. SEE ATTACHMENT FOR ACCOUNT IN QUESTION

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 2020-07-16 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: MD

Complaint narrative:
This account has a balance of {$5500.00} on a charge off. This account has to be deleted because there should not be a balance on a charge off account. SEE ATTACHMENT FOR ACCOUNT IN QUESTION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: FL

Complaint narrative:
someone use my ssn to apply and open several fraudulent accounts that I did not do they stole my personal information and used it I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: FL

Complaint narrative:
someone use my ssn to apply and open several fraudulent accounts that I did not do they stole my personal information and used it I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN

Complaint narrative:
I requested mortgage load application from Cardinal Financial on XX/XX/2020. They called me and one Loan officer XXXX XXXX ( XXXX XXXX ) spoke to me. Promised me low rate of 2.375 % for a 15 year mortgage and said could get away with the points after running credit and talking to his manager. 
He gave me the numbers on the phone and promised to give me the loan estimates after the credit pull is done. To my surprise he already has my SSN to run credit. 
After he ran the credit ; he said the numbers have change little bit. Again gave me the numbers on phone, but I asked if the loan estimates could be mailed/emailed to me. He said, " All the numbers I gave you, you can write it. Why you need load estimates? ". After I insisted on loan estimate, he said it will be mailed within 3 business days and hung-up on me. 
I called several times and left voice mail to him to provide me the estimates. I did not got call back. 

Finally, On XX/XX/XXXX, I reached out to the company customer care and enquired about my application. They again forwarded me to no-response voice-mail of XXXX. I finally called customer care and asked for XXXX XXXX  full name and NMLS ID. 

Then I emailed XXXX and again asked for the loan estimates. And I got following response on email. 
" We had gone over all the fees and cost and you rejected the option I provided. I'm not sure how I can help you? Did you not end up going with XXXX? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XX/XX/2020 {$450.00} I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.

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 2020-07-16 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: GA

Complaint narrative:
I am a victim of identity theft and I have been trying to resolve the effects of this on my credit file. I currently have 2 accounts that are reporting on Experian that they claim have been verified as accurate despite the numerous documents I have supplied to show otherwise. I have even contact the data furnishers and they have stated they have never had this account disputed as fraudulent. I have since sent a request for validation and verification that the accounts are indeed mine to include the methods of verification/validation and any people contacted. I contacted Experian to confirm they received my documents and spoke with " XXXX in the fraud department '' as that is the only information he gave me. He stated that he did not see my dispute even though I have proof my fax was sent successfully. I have since uploaded the request for validation/verification and am also reaching out to the XXXX, CEO and Attorney General until this is rectified. Both of these items were deemed fraudulent previously and deleted from my credit file but then added back onto my credit file without notice.The fraudulent accounts are XXXX and 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 2020-07-16 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: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
Account still showing open and delinquent when its paid in full. Company stated it will be removed on the XX/XX/2020.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2020, a payment of {$800.00} was made to Carecredit/Synchrony Bank, which paid the outstanding balance in full. 

On XX/XX/2020, XX/XX/2020 and XX/XX/2020, CARECREDIT / SYNCHRONY BANK have drafted {$140.00} from my XXXX XXXX  account, resulting in overdrafts on two occasions. This has moved the Carecredit account into a credit balance. They have refunded this with a check that takes a week to receive for the XX/XX/XXXX and XX/XX/XXXX drafts. I have requested a refund of the XX/XX/2020 draft but it has not been received. 

I have spent hours on the phone with Carecredit and they say that the payment is initiated by XXXX. I have also spent hours on the phone with XXXX and are assured that this is untrue. In addition, I never set up on my XXXX online account or by phone to do bill pay. I always initiated payments through Carecredit/Synchrony website. In addition, XXXX verifies that these are ACH requests they are receiving from the merchant. 

I can not continue to have {$140.00} a month withdrawn from my checking account to a credit account that has been closed and paid completely in full. I have spent at least 8 hours across these three months with Carecredit and there is no real help that they have provided. Please 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 2020-07-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: MN

Complaint narrative:
Over the past 30 days i have called customer service 6 times. First time they answered and assured me they were sending a replacement card. 2 weeks later still no card. I have called 5 times since then and 2 times i was on hold 2+ hours no answer. Other time an hour no answer. I have had 3 deposits on my card and can not accese my cash. Im livid and need my cash. Please 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 monetary relief
Consumer complaint received 2020-07-16 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MO

Complaint narrative:
I was approached via email and telephone about an employment opportunity with XXXX XXXX XXXX  XXXX XXXX as a XXXX XXXX. I was offered a position and accepted. The company stated they were going to pay my personal credit card balances so that I could purchase XXXX products for export. Two separate bank accounts were provided and both have reversed charges back to my credit card. 
I am now {$43000.00} in debt to Discover, {$16000.00} in debt to XXXX, and {$13000.00} in debt to XXXX XXXX XXXX  XXXX XXXX. 
I have filed a report with the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: VA

Complaint narrative:
On XX/XX/2020 there was a hard inquiry on my equifax account from XXXX XXXX  XXXX  I didnt Authorize any inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays are reporting incorrect information wrong amount wrong balance

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 2020-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Round Point Mortgage a Loan servicing company for XXXX XXXX XXXX Adjusted my VA Arm Loan from 1.75 % to 5 % in XXXX of XXXX. My loan was only suppose to go up 1 % a year based off the T-bill rate with a cap of 6.75 after the initial 3 year period at 1.75. This rate at 5 % continued on through XXXX of XXXX before they realized there mistake and corrected the rate back to 2.75 %. The over payments where applied to the principal balance of the loan without giving me an option what i wanted to do with the money. Round Point Mortgage provided me with an escrow analysis dated XX/XX/XXXX stating there would be a shortfall of {$3500.00} in my account. they provided me with options on how to resolve this matter, but i chose to pay the entire shortfall along with the current monthly payment for a total XXXX for XXXX of XXXX. This satisfied the deficiency balance in my escrow account and per the letter ensured my payment would be XXXX instead of going up to XXXX beginning on XXXX 's payment. My auto draft is set up for the XXXX of each month for my mortgage payment. I received notification from Round Point Mortgage on the XXXX of XX/XX/XXXX that an auto draft payment would be made from my bank account for the amount of XXXX. This payment should have been XXXX according to the letter from them back in XXXX. Here i am again being overcharged for my mortgage and i don't want that over payment being refunded into my principal balance. I have called Round Point Mortgage several times regarding this and i was told by a supervisor through the call taker that they would do another Escrow analysis. Somehow the Escrow analysis back in XXXX is wrong and they would need to do another. This company is stealing money from me because they have access to my bank account and improperly managing my loan. Please 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 2020-07-16 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have disputed this BrandSource credit card account now three times and was told that the information was accurate, however, this account is a fraud. I do not know what BrandSource is and what was bought on this account and when. I disputed the accounts with the credit card company in XX/XX/XXXX as well as XX/XX/XXXX after I was told they believed it was accurate because it was being paid off. I even attempted to ask for the contact information on the address and they would also not give me that. I then went to dispute the account through XXXX, XXXX, and XXXX  and BrandSource in XX/XX/XXXX and they provided the bureaus with the same information stating that since the account has been open since XXXX and being paid that they will not follow through with the dispute. Again, I did not and never opened an account with them. They send me emails about the account and I can not even open to see information on the account because I do not have access to whatever email and password are on the account. The only reason they started sending me emails and paper mail is because I gave them my actual email and address when I filed the complaint the first time.

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 2020-07-16 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: CA

Complaint narrative:
I ordered a laptop from XXXX XXXX XX/XX/2020 in the amount of {$1900.00} but never received the package. XXXX reports the package was signed at released by the driver on XX/XX/2020, but my package was never delivered to my door. I never signed for any package. I don't understand why my package did not require a signature from me. Contacted XXXX XXXX who denied my refund or shipping a replacement, then I disputed the charge on my Chase Credit card. XX/XX/2020 I received a letter from chase stating my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: MD

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: FL

Complaint narrative:
Im reporting fraud on my credit report. 
XXXX XXXX XXXX is the account And the amount is : {$120.00} This is not My account and was opened not under my consent. It needs to be removed from my account 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 non-monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im reporting fraud on my credit report. 
XXXX XXXX XXXX  is the account And the amount is : {$120.00} This is not My account and was opened not under my consent. It needs to be removed from my account 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 2020-07-16 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: FL

Complaint narrative:
Im reporting fraud on my credit report. 
XXXX XXXX XXXX  is the account And the amount is : {$120.00} This is not My account and was opened not under my consent. It needs to be removed from my account immediately.

Company response to consumer: Closed with explanation