vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I XXXX in XXXX TX. applied for an Amazon Chase credit card and the card was denied on basis of Having a derogatory relation ship with the bank CHASE, and not having investments on the bank. my credit score is XXXX. I had a call with a representative and was told that i had a card charged more than 12 years ago. It had happened back during the 2009 rescission where I hat to feel for bankruptcy. I feel I was discriminated for there are some other customers with worst credit than me and do not have investment whit CHASE and the are approved. On top of this this Bank did several credit inquiries affecting my credit report score. The representative just hung the call with no further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MS

Complaint narrative:
I have applied for a short sale multiple times. Each time, the servicer has advised they " didn't get to our request '' until the very last day their timelines allow, and they declined our application for missing documents that we were never notified of. This has happened twice so far, and each time the " missing document '' is something that does not apply to us. I have received no missing document letters and my real estate professionals who call in repeatedly are told that there are no additional documents needed, until the very last day they are told something that wasn't requested is missing and there isn't enough time to request it, so they have to just decline our application and we have to start over. The first time, SLS advised the missing document they failed to tell us about was a letter of damages to the property, of which we were never previously asked for. The second time, they advised the missing documents were pay stubs, despite the fact that we do not hold employment. My real estate agent 's office was told on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX that we had no missing documents for our short sale. Then, abruptly, on XXXX we were told that the processor had just determined later on XXXX that we were missing pay stubs and the file had to be immediately declined because they ran out of time to let us know. Again, there are no pay stubs to provide as we are unemployed. Our file was declined unjustly and in error for SLS to cover up their own short comings on the time it is taking them to review loss mitigation requests.

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 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I keep getting charged a late fee even though I pay every single month on an automatic payment on my cancelled credit card. I have spoken to amex 3 times and all they do is credit the month I complained in and keep charging me a late fee anyway. This has been going on since 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: AR

Complaint narrative:
I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.

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 2020-07-15 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX, a debt collector company called CAPITAL ACCOUNTS sent a collection notice for the amount of {$8300.00} from the original creditor of XXXX XXXX. This debt is not properly validated and has false information for the amount balance requested. 

XXXX XXXX is considered an " IN-NETWORK '' provider with XXXX XXXX XXXX. Since this provider is considered an " IN-NETWORK '' dentist - they agree with the insurance company to predetermined fees and won't bill you for the difference between their charges and the contracted fee. Therefore, this claimed amount is null and void. 

I have already filed a formal complaint and request for a formal investigation with the dental insurance and with the California Department of Insurance regarding such harassments and abusive practice from both the debt collector ( CAPITAL ACCOUNTS ) and XXXX XXXX. 

Please check the following attachment as additional evidence to my claim : Evidence 1 : Amount sent by the dental practice claiming an amount of {$4800.00}. Keep in mind that the dentist billed for service on teeth # XXXX in which has not been performed and can easily be proven since it is not in the mouth. Services should not be billed if not rendered. 

Evidence 2 : The bill sent again by the dental practice with an increase of {$7800.00} without properly breaking down the detailed amount to substantiate the claim. The Patient chart number is also inconsistent with the other billing ledger. 

Evidence 3 : A formal text message from the dental practice stating the original amount owed on XXXX XX/XX/XXXX XX/XX/XXXXfor the amount of {$4200.00}. You can see the inconsistency of the amount and despite claiming to be an " In-Network '' they continue to bill the client. 

Evidence 4 : This is the final ledger submitted by the collection agency ( CAPITAL ACCOUNTS ) claiming an increase of {$7800.00} and added their fee of {$520.00} and continue to increase despite without properly validating the debt. 

I believe I have enough evidence to present what is valid as a patient and willing to have the law enforcement entity investigate such fraudulent practice. 

If needed, I can also provide what was claimed by the dental practice with the insurance company to present transparency to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit report and furniture and a store is in my social .i do not know about

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 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Unable to link PNC Bank to XXXX XXXX. PNC is not allowing connect account to transfer domestic funds between banks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Today, XX/XX/2020 I called XXXX to dispute the charge of {$1000.00} that this company, ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX Florida XXXX ) was attempting to collect from me. 

According to MsXXXX XXXX XXXX, she would be sending me the copy of check # XXXX that I wrote from Zion 's Bank to a Church in the amount of {$1000.00} which was supposedly cashed at a local XXXX # XXXX in XXXX Texas on XX/XX/2020. 

I called Zion 's Bank Headquarters and spoke with XXXX and asked her to verify if someone had opened up an account with my name to which she responded. NO. 

Hence : I believe this is a scam to collect money from seniors who would normally make out checks to the church and who would easily feel intimidated by a letter from a collection agency that is threatening to affect their credit if the amount owed is not paid in full. 

In fact, when you call this number it literally states to have your account information handy to include your account number and the routing number. 

THIS IS A DECEPTIVE PRACTICE THAT HAS TO BE STOPPED. 
NEVER EVER GIVE YOUR PERSONAL INFORMATION TO VERIFY ANYTHING!

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 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Due to the Coronavirus Pandemic, we chose the forbearance plan on our mortgage for 90 days. My husband and I were laid off from our full time jobs due to the pandemic. Once my husband returned to work, I called LoanCare to cancel the forbearance plan. It is IMPOSSIBLE to talk to a HUMAN on the phone with the company. I had to cancel the forbearance via an automated service which I felt uncomfortable. I called LoanCare multiple times so that I could resolve the accumulated amount for the forbearance. After waiting on hold for over an hour, I hung up. A few weeks ago I started receiving notifications from different credit bureaus that my account has been flagged for being over 90 days late!!! I immediately called LoanCare! Of course I couldn't get on the phone with a human. The recording said that wait times were exceeding 30 minutes and to call back another time. Really?!?! Finally, I got ahold of a human from LoanCare and they told me that the forbearance amount had to be paid immediately after canceling the forbearance or else they can start reporting this to the credit bureaus. We have NEVER been late on a payment! My credit score dropped 116 points!!!!! Now I am in the process of trying to do a loan modification with LoanCare and again I can't get a human on the phone. I called this morning and the recording says wait times are exceeding 30 minutes, call back later. I can no longer log into my account online either! I was using it yesterday and all of a sudden it's not working today?!?! This is the worst mortgage company EVER! Something needs to be done! You are negatively affecting our lives!

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 2020-07-15 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

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 2020-07-15 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: VA

Complaint narrative:
I have repeatedly tried to dispute this XXXX late payment from my credit report. The company agreed to remove it. The XXXX payment was under deferment due to XXXX Virus. The company made an error the credit Experian will not remove it.

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 2020-07-15 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: AR

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.

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 2020-07-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I already have an open complaint regarding this company XXXX I now report NEW COMPLAINTS regarding Chase Slate Credit Cards. I was contacted by " XXXX '' from the " executive department '' who initially repeated the same false claim that I had made late payments. I have NOT made late payments, and my credit report ( XXXX ) states that my payment history is EXCEPTIONAL They then stated that I had a collection account on my credit report, which I again corrected them as FALSE. There is no collection account on my credit report. 

Frustrated by blatant disregard of the facts, the damage they were doing to my credit without just cause, and their foul attitude, I endeavored to pay more of my debt to them. I made an {$11000.00} payment ( now that the check I had received had cleared my other bank ). That payment was made XX/XX/XXXX. Please see that attached documents. As of today, XX/XX/XXXX, Chase still refuses to change my available credit based upon the payment. They also refuse to report it to XXXX. This is the SECOND TIME they did this. 

On XX/XX/XXXX they claimed I had zero available credit when in fact I had available credit. 

The funds have left my account and clearly are in their account, yet they REFUSE to change my available credit and refuse to report the decrease in my balance to the credit bureaus Surely, there must be some laws that require them to credit a payment and report it correctly? They are intentionally now doing damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: SC

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$300.00} XXXX XXXX {$53.00} XXXX  XXXX {$80.00} XXXX  XXXX {$4500.00} XXXX XXXX {$6700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: SC

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPTEDXXXX XXXX {$300.00} XXXX XXXX {$53.00} XXXX  XXXX {$80.00} XXXX  XXXX {$4500.00} XXXX XXXX {$6700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Today XX/XX/2020 at XXXX EST a collection agency named Nationwide Recovery systems called me to collect on medical  debt. When I requested written verification via US PS, I was told that if they had to mail out a letter to me that I would owe the entire debt. I told him if I did not have verification there was no way to know if the account was even mine. On top of that they stated the tea collection was from five years ago. This is past the four year mark for Florida and they are not supposed to be contacting me about this debt per the Florida State statutes and 95.11. 
I have attached proof of the phone call from today in the uploads.

Company response to consumer: Closed with explanation