vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Applied for a Chase Visa and was denied due to negative history with JPMC so I called and they said I had opened a XXXX Visa in XXXX, ran up balance to $ XXXX, then never paid it and it went to collections in XXXX. 
I have never had an account with Chase in my life, They told me to contact an XXXX XXXX where they apparently sold this debt or wrote it off. That company no longer exists so I cant even dispute it with them. Chase insists they can not remove this despite my repeated attempts to contact them about it. They have my current address noted on the account as well but Ive only lived here 2 years. This debt has never been on any credit report ever. Only seems to be in Chases system and a complete mistake. Ive purchased homes and vehicles and monitor my report and this item has never been present until now when I applied for and was denied credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has been servicing my home mortgage for years. I pay bi-monthly and recently XX/XX/XXXX and XX/XX/XXXX they started adding a {$4.00} payment process fee each time to make the payment. This has not happened in the past but recently started.

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 2020-09-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Around XXXX, I incurred a dental bill of {$2000.00}, and since I was unable to pay it at once, I put it on my CARE CREDIT CARD, which is SYNCHRONY BANK. The next day, I called CARE CREDIT to advise them of the charge, and informed them of the following : ( 1 ) That I wanted to pay said charge at the rate of {$200.00} a month ; ( 2 ) That I wanted the account to be set on " Automatic Payments '', so that I would never miss a payment ; ( 3 )  That I will make 2 monthly payments right now, or {$400.00}, and to put the balance of {$1600.00} on " Auto Pay ''. 
Then, on XX/XX/2020, I saw on my bank statement, that CARE CREDIT took out the ENTIRE {$2000.00} out of my account! On XXXX, I finally got a hold of someone there by the name of XXXX , and told her of their " mistake '' of taking out the entire sum of {$2000.00}, which was completely against our agreement. She apologized and assured me that I would receive a check in the mail for the balance owed to me of {$1600.00}. 
After 2 weeks passed, I still never got the check & when I called again, they said the check was sent out on XX/XX/2020, and that I was to receive it in 7-15 days. When still not receiving said check by XX/XX/2020, I called CARE CREDIT again. This time they told me that the check was not sent out until XX/XX/2020! And he informed me that it is up to 15 " business days ''. 
So, when I still had not received my refund, I again called CARE CREDIT on XX/XX/2020. They said " All we can say that the check was sent on XX/XX/2020 and you should have received it ''. When I assured her that I did not receive it, she essentially said that there was nothing she could do! 
To make matters worse, is that their records reflect that the {$1600.00} had been tendered & paid, and that I now have a {$1600.00} balance that will be paid at the monthly rate of {$200.00}!!! 
In my phone calls, I asked them to just credit back the charge to the Debit Card they were paid with. They refused to do that!

It is very clear that their actions amount to more than gross negligence, as it certainly is 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 explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
Ive been trying to retain foreclosure assistance for quite some time, first with my lender ( s ) then with HUD, and so on ... no one has ever helped or offered help. 
I have an FHA Loan in a rural area of California, I am 3 years XXXX and still unemployed as a result and due to COVID I am going on 2.5 years trying to obtain XXXX  Benefits .... 

Prior to COVID my lender denied modifications for every ridiculous reason or just ignored my request completely I file Bk in XXXX to halt the sale and now with COVID the care act has helped a bit as well, however Im again in the same position of filling out the mitigation packet, calling & emailing the bank, never getting a response They ARE NOT HELPING ME! 
HUD, always tells me to call someone else when I speak to them. 
I always go round & round until I give up so frustrated & XXXX & confused. 
Ive also asked about who Id contact to try to be eligible for all the different NOFA grants & programs and Im always told they dont have any programs for people like me ... .what does that even mean? 

Im very confused, I virtually have no immediate income, I cant afford a lawyer, Ive been scammed twice, and Im positive the lender has violated my homeowners bill of rights, lied, overstated/overcharged my account, and made changes to my loan without authorization. 

In fact, XXXX XXXX sold my loan to M & T Bank while I was in a loss mitigation, M & T never filed correct county documents stating they were my lender, my owed about is $ XXXX more than my original loan and Ive never borrowed money, they tried to charge me more than XXXX XXXX for my monthly mortgage, when I use the search tool online at HUD to search my lender it says XXXX XXXX however M & T Bank are trying to foreclose on me ... .Ive had the money to pay up the home out of black but their is so much hinky stuff taking place that I dont want to plus the county came and inspected my home and property dropping the value $ XXXX last year and this year as soon as they receive a soil report from finding sink holes in my hard plan to drop my value another {$50000.00} down to a value of {$150000.00} and the bank wants {$270000.00} for the loan I got in 2017 for only {$240000.00} .... 

Please someone help me! 

Thank you, 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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending
State: TX

Complaint narrative:
I closed on a condo on Friday, XX/XX/XXXX in XXXX XXXX, TX with my lender as Supreme Lending of XXXX XXXX. On Monday, after closing they claimed they didn't realize the flood insurance they approved did not meet their standards and now they were seeking to fine me for not meeting their flood insurance requirements. My condo board covers 80 % of my flood insurance and they say that XXXX requires 100 % coverage since I am in a flood zone. They had signed off on me taking out an additional flood insurance coverage with XXXX XXXX to cover the other 20 % prior to the closing. Then on Monday they claimed they were told by FEMA they couldn't have 2 flood policies on the same unit. The policy they are claiming by XXXX has been in place for years since Hurricane Harvey. They claim to be sticklers for this policy, so they are well aware of it. I believe they closed on my mortgage knowing they would come back to fine me afterwards under false pretenses. They withheld information from me with the plan to extort more money from me. They also withheld information form me by refusing to contact me directly and only working through the realtor who is a long term business partner of theirs, who did not relay the information to me. They also admitted in XXXX they had the wrong insurance documents and had based their analysis off of the gatehouse in my community and blamed the COA for giving them the wrong document, even though it clearly says Gatehouse on the document. While I was under the impression they were reviewing the mistake with the COA and the COA insurer, they moved forward with sending me a 45 day notice to fix the insurance coverage or be fined by them. This is unethical. Unprofessional and deceitful. 10 other units have sold this year and no other lender has made this claim according to the COA. They are the first lender in the history of this condo regime since the XXXX to make this claim. They are praying on a first time home buyer and who will protect me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: CA

Complaint narrative:
On XX/XX/XXXX someone attempted to purchase a 2009 XXXX XXXX through Shift. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life. 

Equifax Also fix your effing dispute UI. YOU CANT UPLOAD DOCUMENTS!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: MD

Complaint narrative:
On XX/XX/2020, a dispute letter requiring Experian for two accounts. One for account XXXX XXXX and XXXX XXXX. As it is my right according to the FCRA, I required and demanded according to the law that Experian validate both reporting accounts. I required that they provide the contract bearing my signature the method of validation, along with the infomration of all individuals who validated this account and their method of validation. Experian sent back a letter stating that the information was validated. However, no such documentation or requested information was provided. I sent a follow up letter on XX/XX/2020 as a good faith effort asking them to follow up with the required documentation and information to validate this account. Experian again failed to send the requested validation information. On XX/XX/2020, I sent a final letter to Experian demanding the required documentation for the two above mentioned accounts. Again, Experian completed their investigation without providing the required documentation. 

According to the FCRA, all credit reporting agencies have 30 days to validate the account. If the accounts can not be validated and a contract binding me to this debt, bearing my signature is produced, the accounts must be deleted. I have provided Experian with an additional 60 days totaling 90 days to complete the dispute and legally provide all requested documentation. Experian has failed to comply and are now willfully breaking the law and reporting false and fraudulent information on my credit report. They are illegally damaging my character and credit reputation. 

At this point both disputed accounts MUST be deleted according to the law. Experian are well out of the 30 day window to properly validate these accounts and can not continue to illegally report these accounts. Experian must remove these accounts IMMEDIATELY before final legal actions are taken.

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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Re : CFPB Case ID # XXXX submitted XX/XX/XXXX already closed by CFPB i am filing this new complaint because of Incomplete Response provided by Specialized Loan Servicing ( SLS ) to Request for Information dated XX/XX/XXXX submitted on my behalf by Atty XXXX XXXX XXXX I mailed the following letters dated XX/XX/XXXX & XX/XX/XXXX to SLS To : Ms. XXXX XXXX I D XXXX Customer Care Support SLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX Dear Ms. XXXX, Your response dated XX/XX/XXXX to the Request for Information dated XX/XX/XXXX by Atty. XXXX was provided by XXXX/Atty XXXX to me. 
There were 7 items she requested from SLS. 
Kindly respond to the items you have not responded especially item # 4 about LOAN OWNERSHIP also provide the DATES of each Loan ownership transfer. 
Sincerely, XXXX XXXX XXXX Signed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX SLS loan # XXXX ~~~~~~~~~~ Dear Ms. XXXX XXXX I am resending this XXXX/XXXX/XXXX letter to you because I did not receive any response from you Sincerely, XXXX XXXX XXXX XX/XX/XXXX SLS loan # XXXX ~~~~~~~~~~~ XXXX XX/XX/XXXX SLS provided to CFPB copy of SLS letter dated XX/XX/XXXX from XXXX XXXX ID XXXX that SLS sent to me with the information that : XXXX XXXX was the Original Creditor Federal Home Loan is the Current Creditor SLS is a third party mortgage loan servicer ; servicing of the account was transferred to SLS on XX/XX/XXXX SLS also sent a copy of the recorded Assignment of Deed of Trust from XXXX XXXX XXXX to SLS. 

SLS & XXXX XXXX NEVER informed me of this Assignment of Deed of Trust dated XX/XX/XXXX until SLS sent to me the XX/XX/XXXX letter All the information that I received from both SLS & XXXX XXXX was the transfer of servicing from XXXX XXXX to SLS effective XX/XX/XXXX QUESTION remains : After the Deed of Trust dated XX/XX/XXXX was assigned to SLS from XXXX XXXX WHEN & WHO & HOW MANY MORE TIMES was the Deed of Trust transferred until it was assigned to Federal Home Loan, the  current creditor?

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 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I logged into the Capital One credit card website and noticed that my available credit was only {$4900.00} when it should have been {$9900.00} as I had a $ XXXX credit limit. I am enrolled in paperless billing and checked my latest account statement and it showed a $ XXXX limit with no mention of a credit limit reduction. While searching the website for a correspondence page, I logged into XXXX from Capital One and it revealed that my credit score dropped 28 points because my available credit decreased. As I am currently in the process of shopping for a new home, a drop in my credit score that significant will negatively impact my ability to finance my purchase as my pre-approval was based on my prior credit limit and credit score. I finally found correspondence dated XX/XX/XXXX that informed me why my credit limit was decreased. As I have been a Capital One customer since the year XXXX, I called to ask for the credit limit decrease to be reversed. I was told that the decision was final and could not be reversed. I asked to speak with a supervisor and was told that they would not be able to reverse the decision. The supervisor then explained why my credit limit was decreased. I explained that I understood why because the letter detailed the reasons ; what I didn't understand was how a business decision with no policy, term, conditions, or member agreement could not be reversed for a 20 year customer with excellent credit history. I also expressed that I have never felt more disrespected by a credit card company ( even though I was a customer of the predatory Associates credit card I received as a freshman in college ) and should have been notified my credit limit would decrease if my usage didn't increase. I was again told that the decision was irreversible even though my XXXXredit score was so negatively affected. I am making this complaint because I have no recourse to repair the damage to my credit score inflicted by Capital One at a critical time when I am trying to procure a new home and need excellent credit to receive funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-09-01 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/2020, i entered into an agreement with Synchrony Bank/Care Credit account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if Paid and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript be obtained if needed. I have Verbal Authorization on my Care Credit acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told Care Credit to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you

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 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report XXXX XXXX XXXX , XXXX response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. XXXX XXXX XXXX , XXXX is a collection agency representing XXXX XXXX XXXX Mobility in association with a collection claim on account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( XXXX XXXX XXXX XXXX ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconvenience that this XXXX have caused you. Thank you, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief