vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
We decided to go with Chase for our mortgage, as I am a long-time customer and wanted the one-stop service they can offer. I was pleasantly surprised when my home-lending advisor discussed the Chase on-time closing guarantee for existing customers when we got our loan estimate on XX/XX/2021. The guarantee as I understood it at the time was for up to {$2500.00}, received via check after the closing. 

Then, our mortgage closed XXXX  days late on XX/XX/2021. It only closed when it did because of how intensely my realtor and I badgered the company over the XXXX XXXX holiday. There were consistent roadblocks cited after the original closing date that were not communicated previously, including an extra employment verification request that was not received by my company and an additional credit check for my husband. The company said there had been a system outage of some sort that had disrupted their task tracking and internal communications that contributed to the delay. Most of this happened in phone conversations, but some happened via emails that I attached. 

My home-lending advisor said that he would push for us to be approved for this guarantee given how our closing went. He called a couple days after we closed to check in, and we have not spoken since. I submitted my feedback via the survey that Chase set out and had a call from my customer care specialist 's manager about what I submitted ; however, this did not result in Chase following through on their " guarantee ''. I have called and left a voicemail for my home lending advisor XXXX times between XX/XX/XXXX and today, XX/XX/2021 without a return call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XX/XX/21 attempted to make a purchase in Discount Tire using my Discount Tire credit card issued by Synchrony bank; learned that the account is closed. Called Synchrony bank and had very poor customer experience : First XXXX told me card was closed due to delinquency and low credit score - I never had any delinquency in my life and my score is XXXX. Since XXXX  did not seem knowledgeable, I asked to speak to a XXXX. I was on hold for 40 minutes " XXXX XXXX '' came to the phone, mumbled something that sounded like having to place me on hold again ; I was placed on hold again, and could not wait more ... at this time I was already on hold for an hour and I have had enough I decided to use other phone and call again, hoping to get someone that can assist ; the representative advised account was closed due to inactivity. He also advised that they are not required to send me the letter about account closure. 

I still can't believe that I spent over an hour and could not have any knowledgeable person to assist. I would not recommend this financial institution to anyone.

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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I initially noticed a new XXXX XXXX credit card on my credit report which used a different address and birthday in XXXX of 2021. I disputed it immediately with Experian but was told to contact XXXX XXXX. 
I initiated a fraud complaint in XXXX of 2021 and was informed by a letter from XXXX XXXX that since the account was being paid then it was not fraudulent. I immediately contacted XXXX XXXX again and disputed the decision. Again, I was notified by a letter that its not fraudulent since the card is being used. A second XXXX XXXX card had just opened under my name which I did not apply for in XXXX XXXX. I plan on disbursing the new card as well. XXXX XXXX somehow continued to refuse canceling the fraudulent account. The reasons they provided did not make any sense. They didnt ask for proof of identity during the dispute or fraud investigation.

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 2021-11-30 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: NY

Complaint narrative:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: NY

Complaint narrative:
XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-11-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On Equifax I just noticed on my credit report that there were XXXX hard inquiries. Now I never made those inquiries or authorized an company or agent to run my credit for possible goods, credit or services. I never authorized or applied for services from XXXX XXXX XXXX, I never sought credit from an account listed on my credit report as XXXX or from another account listed on my credit report as XXXX. I never applied to any program that would result in a hard pull on my credit report. I am therefore asking you that you please delete these inquiries from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Starting From XX/XX/2021 an unknown person has been siphoning money out of my bank account totaling the amount of {$21000.00}. I finally noticed my online banking had to be compromised XX/XX/2021 after spending a weekend in XXXX XXXX and noticing egregious charges from foreign vendors in countries Ive never even traveled. I then called my bank which is Bank of America and started a claim and closed my card on XX/XX/2021. I was told I would receive a new card and within XXXX business days receive my provisional credit.Instead what happened is no one from the bank followed up with me and on the XXXX business day XX/XX/XXXX they closed the claim to avoid giving me the provisional credit as promised. I thought they would be of assistance but they havent helped in the least.

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 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX, 2021, I attempted to get a drivers report online. Instead I got charged {$1.00} off of my mastercard. Later they took {$18.00}, for a business to check on employees report to hire them. So I ended up not getting the report that I wanted, and nothing else for the {$18.00} they took it. I did not authorize it. That was the Wisconsin DMV. I did send them a email explaining the situation to them. They sent me a email back telling me that ( We do not refund any purchase you made on any website that is not ours, and please contact your bank to dispute refund ) That was XXXX XXXX, 2021, at XXXX A.M. There is not any bank listed on the card I have, so I do not know whom to contact. I have been trying for several days to contact XXXX customer service. I always got hung up on, Their phone number that I called for mastercard is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion as of XX/XX/2021 is showing under collections {$180.00} debt that was removed XXXX months ago upon proof payments thru bank statements that I provided.They have broken there trust and reposted the debt with another collections company on there website.

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 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My mortgage was originally closed with XXXX XXXX XXXX XXXX ( purchase and closed on XX/XX/2021 ). They sold the loan and servicing was given to Select Portfolio Servicing. From inception it has been a nightmare and the list of errors are below : 1. They did not apply my additional payments toward principal correctly. 
2. I set up auto pay in XX/XX/2021 to start effective XX/XX/2021. They never withdrew money and on XXXX XXXX cancelled due to my failure to make payments -WHICH NEVER HAPPENED. I made my payments timely in XXXX, XXXX, and XXXX. And in fact made additional payments toward principal. 
3. I am not sure if my credit will be affected because of item number 2 above which is incorrect. 
4. My account is set up with escrows for taxes and insurance. However just yesterday the account representative told me it was not. My account was set up for escrows and I have the written proof. 
5. Select portfolio failed to make my property tax payments which were due XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I purchased a new XXXX XXXX XXXX vehicle out of state ( Ohio ) and financed the purchase thru Hyundai Motor Finance. I live in XXXX, and the lien holder ( Hyundai Motor Finance ) is required to send the original title issued by the XXXX XXXX Ohio XXXX to XXXX XXXX so the vehicle can be registered and insured. I bought the vehicle on XX/XX/XXXX. I have contacted Hyundai Motor Finance, every week, since XX/XX/XXXX requesting the status of the title transfer. I have had numerous case # 's issued, the last was on XX/XX/XXXX # XXXX requesting the search for the title. On XX/XX/XXXX, XXXX XXXX in XXXX, Ohio mailed the title issued by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) to the XXXX XXXX XXXX, XXXX Tx XXXX location. XXXX  XXXX tracking number # XXXX shows the title was signed for and received. At this point in time Hyundai Motor Finance tells me that they can't find the title. I can not drive the vehicle legally in XXXX without the vehicle registered. Hyundai Motor Finance could easily remedy the situation by requesting a duplicate title from the XXXX XXXX XXXX XXXX ( XXXX ) and then send the title to the requested site I have provided in XXXX  to process the XXXX XXXX registration. We are over XXXX days and this is the worse company to try to address legal issues with.

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 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
On XX/XX/21, I filed a complaint, with CFPB showing this account being fraudulent. They stated to this office, in there finding the assumption documents, hadnt been completed on there part. In to today, they still havent completed nor has they reach out, to have completed. Phones call Ive received, have all been automated, requesting funds. As Ive continue to explain, this loan was modified with wrong concepts I believe. I tried on 3 different occasion to refinance loan, one with this company in was denied by all three, which Ill show with uploaded documents. Also which should be in question is how did they determine this modification, the original loan was for {$91000.00} it was in additional {$60000.00} included with a interest rate of 6.5. I believe this was determined by a insurance check received for a ablaze building

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my Experian credit report today and saw where it was reflecting a hard inquiry from an account called XXXX CARD. Now I never applied for such a card or had an agent acting on my behalf apply for this card on my behalf. I never applied for any services that would result in a hard pull on my Experian credit report. So, I am asking kindly that this be deleted from my credit report immediately please.

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 2021-11-30 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: NC

Complaint narrative:
Due to recklessly poor security on behalf of Discover Bank, an individual was able to steal my mail- and shockingly without any protection or additional verification required by Discover during an activation process- was able to go on a spending spree at a mall that maxed out my card. Discover then falsely reported that I had maxed out my credit card to the credit bureaus. Discover refuses to timely remove the false credit report and the fraudulent billing in my account that was caused because of the gross reckless incompetence of their process that allows some random person to activate a stolen credit card without any checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: OK

Complaint narrative:
The company, IQ DATA INTERNATIONAL, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 i am an natural person which means the name in all capital letters is not me. My name is XXXX XXXX. 15 USC ( A ) ( 1 ) The term " bureau '' means the Bureau of Consumer Financial Protection. XXXX XXXX, XXXX, and XXXX are assumed to be credit bureaus but there is only one bureau and that is the consumer financial protection bureau. 
On XXXX XXXX XXXX Congress enacted HJR 192 to suspend the gold standard into abrogate the gold clause. This resolution declared that " whereas the holding or dealing in gold affect the public interest, and or therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed the provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of Congress... In the payment of debts. This resolution declare that any obligation requiring payment and gold or particular kind of kind of currency or an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, and any coin or currency which at the time of payment is legal tender for public and private debts.

15 USC 1681 ( 3 ) ( E ) ( e ) the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mold living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: SC

Complaint narrative:
Submitted information several times via XXXX, Experian Upload, and directly to Experian through my credit monitoring application. The information was what I was told directly from them that I needed to remove the file. Both XXXX and XXXX have removed the account. My first submission was in XXXX of 2021, then again in XXXX and XXXX. The account in question is a fraudulently opened XXXX account that is now charged off but paid in full.

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 2021-11-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX D.O.B XX/XX/1992 S.S. # XXXX I am not an attorney or a third party, I am filing a complaint on my own behalf because it is my legal right to do so. I have had my income affected by the Pandemic Shutdown. I am requesting accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am in the process of refinancing my Car loan and I need help with the late payment and repo reporting is inaccurate. 
Please update the following reported account to a current status XXXX XXXX XXXX XXXX XXXX XXXX. I have two unverified account that are not reporting correctly I new had any legal business dealing with the following companies : XXXX XXXXXXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX. I HAVE DEMAND LEGAL DOCUMENTS FROM THESE COMPANIES BEFORE I RECEIVED NOTHING IN WRITTEN CORRESPONDENCE. PLEASE DELETE/ REMOVE THE ACCOUNT AT ONCE!! 

I have found Cell phone numbers on my account that do not belong to me!! 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX I decided to cancel services with XXXX  ( {$70.00} ). I did receive an email stating that I wont be charged. 

XXXX  months later I realized they were billing me and Chase was paying them. I then file my first complaint with Chase about this. They promise to stop authorizing my payment and reimburse me. XXXX months later. I noticed the same charges, and I contacted chase again to request reimbursement and to stop this transaction. They promise to put a stop on the {$70.00} charge from XXXX. It dont happen. 

Today, XX/XX/XXXX a new charge from XXXX for the amount of {$70.00} is pending. 


I have been affected and was unemployed for about XXXX  months. I am living on few dollars and this charge is making me miss my rent. 

I need help so this does not happen any more to me. I have given them way too many chances. 

I have email record for this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit file and noticed hard inquires on my credit report that were not authorized by me. XXXX ( XX/XX/20 ) XXXX XXXX XXXX XX/XX/20 ) and XXXX XXXX XXXX XXXX XX/XX/20 ). I have never done business or have tried to acquire credit from any of these companies so I would like for these inquiries removed from my credit file. I have reached out to these companies already but they do not have any information for me on file so they are not able to help me. 
I think that my information could have been stolen when my home was broken into and someone could be using my information to obtain credit. I would like for these inquiries to be removed ASAP as they were not authorized by me.

Company response to consumer: Closed with explanation