vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-19 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: OK

Complaint narrative:
I got an app on XXXX XXXX  called XXXX on XX/XX/20. XXXX  disputes ( in my behalf ) unnecessary charges from your bank {$850.00} with Chase bank in one year. XXXX  filed reversals thru my bank of bills that were paid this month {$340.00} roughly. I've tried to get thru to Chase '' s dispute dept to no avail. Waited on hold 2 hrs got hung up on ( one occasion ) I've tried to get thru many times. My credit score dropped 41 pts in 24 hours. Please help idk what to do.I have gotten threatening phone calls and texts from XXXX. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am trying to link my PNC checking account with my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
Horrible experience! New American Funding caused us to lose XXXX in opportunity cost on a failed refi, and 4 months of heart-ache. Dont be fooled by advertised rates or promotions. RUN AWAY and use a local lender! 

We initiated a cash-out refinance in XX/XX/2019. We had a deadline of the end of XXXX because of new purchase that would be closing at that time. We communicated our situation to the loan officer (  XXXX XXXX ), and they said it would be no problem closing in time. Suffice to say, their incompetence delayed our refi closing. We even signed closing papers and then they never funded the loan! 

We have a log of over 20 phone calls ( hours and hours of wasted time ), several mistakes and outright lies. Half way through the process my loan was transferred to a manager ( XXXX XXXX ) because of all the issues we were having, but things didnt get better, they actually got worse! 

What they told me on the phone, never matched what they sent in writing. We nearly were not able to complete our new purchase, and we were never able to complete our cash out refi. New American is refusing to make it right, and now because of COVID, the lending market has changed, and I cant even find another lender to do the refi anymore! 

I called and complained to everyone in the company that I could get ahold of, including a customer service manager ( XXXX XXXX ), who said he would look into our case. Of course, he never got back to me. I am going to report them to the state governance board.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I provided my records where my lawyer paid. The company continued to collect.

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 2020-07-19 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
While Conducting a Routine Credit Check Of my Credit Information, I Noticed That SEQUIUM ASSET SOLUTION who listed Original creditor as XXXX XXXX Listed a {$290.00} Debt on my XXXX credit report. Their listed address is - XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I have never had any account with this company at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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:
Credit bureau calculations when educational loan is paid off two months early. The score dropped 78 points. Im working hard, paying my bills, and watching my financial health. 
Consumers have the right to know the metric of the three major bureaus use. We have a right to know the triggers that have been set in their systems to increase or drop the consumer numbers. This data impacts everything. There should be more visibility into the process by consumers, transparency builds a great foundation and educates the people being judged correctly or incorrectly. 
I trust government oversight, as a public servant myself, I just want fair reporting and not be penalized for paying off accounts with firm begin and end dates. The system needs an overhaul.

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 2020-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Good morning, I arrived in the USA in XX/XX/XXXX and I immediately applied for an insurance trough Healthcare.gov ( XXXX  ) but unfortunately I couldn't apply till XX/XX/XXXX. So I decided to renew a traveler health insurance that I had in order to be covered. In XXXX I had an accident ( a XXXX XXXX XXXX  and I went to the Hospital. I gave them all the information about my insurance and I was cured. In XXXX I obtain an insurance with the Healthcare ( XXXX that is my insurance provider ). Few months later I received a bill for the entire amount from the Hospital and I call them several times in order to collect the money from my insurance. I absolutely don't recognize the debt because I was fully covered by an international insurance and I can not be responsible for the hospital accounts receivable.. I'm not a collector. In XX/XX/XXXX I moved to XXXX so probably all the communication arrived in XXXX where I was living a couple of months. I was a credit officer in XXXX and I moved here in USA to have a better future for me and for my family. My credit score was excellent ( XXXX ) and I decided to buy a house because I had finally a good credit score and I was working for an international company for more than one year so I had the requirements to apply for a mortgage at good rates. Yesterday I received a notification ( from XXXX  ) that I had a collection account. My credit score dropped by 83 points to XXXX and it's for a debt that is not due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have the Experian credit monitoring service and several accounts have been paid off, payment history improved but I credit score has NOT changed I received emails from Experian saying dispute resolved but when I look at my file there are no changes to the disputed items Experian fails to provide a valid reason as to why this is happening all other bureaus report the account changes as well as credit score changes Also there are inquiries appearing on my credit report that are updated yet Experian fails to remove they are over 2 years old

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 2020-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Their application process is broken and poorly ( perhaps deficiently ) disclosed. As an initial matter, my spouse and I have credit freezes in places ( who doesn't post XXXX  and all the other breaches ). After ( emphasis on after ) applying, we are told that our application is rejected and we need to lift our the freezes in order to apply. 

Why HSBC is using CRA reports in the first instance for a product where they aren't extending credit ( assessing default ) seems problematic. What happened to the XXXX  reports for banking account verification. Moreover, we did not recall seeing any disclosure regarding CRA reports, nor on double checking was there any mention in the terms & conditions of the product landing page that they would pull CRA reports. If HSBC is going to pull reports -- say so unequivocally upfront and tell people to lift any freezes. 

We lift the freezes. We apply again on XX/XX/XXXX, and go through the whole rigmarole including upload proof of address ( internet utility bill ). This time the application accepts as pending, and they initiate trial deposits on XX/XX/XXXX to verify my existing bank account info, which we verify. Then on XX/XX/XXXX, HSBC again declines our application : " because were unable to verify the address of the applicant ''. This is odd as we submitted substantiation of our address.

We call, and after speaking with 3 or 4 people get to the appropriate team and ask was there some issue with the upload -- did you want a bank statement or pay stub instead? No, it was an issue with your CRA reports -- something -- can't tell you what -- did not match. Please call them and fix *something* with your CRA reports and try again. Very helpful. 

So the HSBC is saying we've received your proof of address, we've verified your existing bank -- in order words you are who you say you are -- but no dice opening the account ( because of some undefined/undescribed issue with your CRA reports that ( as far as I can tell ) we didn't tell you we were going to pull ). 

As a further note, HSBC 's decline email did not reference the CRA reports. The email did not say that HSBC relied on such reports nor provide any disclosure as to which CRA should be contacted to resolve this issue. Our impression was that there is some obligation to disclose this to the applicant/consumer in such situations ( but perhaps this scenario does not fall within the FCRA? ), but leave it to you all to confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A VIOLATION OF THE FCRA. I AM BEING IGNORED BY THE BUREAS AND THEY ARE NOT CONDUCTING PROPER INVESTIGATIONS.

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 2020-07-19 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A VIOLATION OF THE FCRA. I AM BEING IGNORED BY THE BUREAS AND THEY ARE NOT CONDUCTING PROPER INVESTIGATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A VIOLATION OF THE FCRA. I AM BEING IGNORED BY THE BUREAS AND THEY ARE NOT CONDUCTING PROPER INVESTIGATIONS.

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 2020-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I received notice on my credit report on XX/XX/19. That my credit score was lowered by hundred points from XXXX XXXX and XXXX. XXXX  report showed a 35 point drop. This was because I was more 30 days past due on my Best Buy Citibank Visa card for a {$8.00} dollar balance. I called Citibank and told them I was unaware of the balance. And was not receiving bills and no one from the company reached out to me to let me know of the balance. I ask Citibank to send the credit bureau that this was a mistake. But the company refused taken no responsibility for the mess up. I paid off the {$8.00} dollar balance and closed the account.

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 2020-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE. IT HAS BEEN MORE THAN 60 DAYS WITH NO RESPONSE AND THEY HAVE NO DOCUMENTATION SO THEY NEED TO DELETE THIS ACCOUNT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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:
Credit bureau calculations when educational loan is paid off two months early. The score dropped 78 points. Im working hard, paying my bills, and watching my financial health. 
Consumers have the right to know the metric of the three major bureaus use. We have a right to know the triggers that have been set in their systems to increase or drop the consumer numbers. This data impacts everything. There should be more visibility into the process by consumers, transparency builds a great foundation and educates the people being judged correctly or incorrectly. 
I trust government oversight, as a public servant myself, I just want fair reporting and not be penalized for paying off accounts with firm begin and end dates. The system needs an overhaul.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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:
Credit bureau calculations when educational loan is paid off two months early. The score dropped 78 points. Im working hard, paying my bills, and watching my financial health. 
Consumers have the right to know the metric of the three major bureaus use. We have a right to know the triggers that have been set in their systems to increase or drop the consumer numbers. This data impacts everything. There should be more visibility into the process by consumers, transparency builds a great foundation and educates the people being judged correctly or incorrectly. 
I trust government oversight, as a public servant myself, I just want fair reporting and not be penalized for paying off accounts with firm begin and end dates. The system needs an overhaul.

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 2020-07-19 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Filed by : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Complaint Filed against : Lakeview Loan Servicing , LLC ( XXXX ) XXXX  XXXX of XXXX id # XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX FL XXXX Complaint Description : Lakeview Loan Servicing , LLC ( NMLS # XXXX ) Cashed cashiers check and after stop pay was placed, checks were lost. I replaced payment XX/XX/2020 Post office lost mortgage payment & escrow short, sent notification Of lost payment to XXXX by phone & email to. Lakeview Loan Servicing , LLC ( NMLS # XXXX XXXX XXXX Compliance Department Director ) XXXX@lakeviewloanservig.XXXX   XXXX XXXX ) XXXX ( direct ) ( XXXX ) XXXX ( fax ) Lakeview Loan Servicing LLC to reverse and back out those payment that had a stop pay by XXXX XXXX and refund those amounts of both cashiers checks. My house is currently under Refinance because they have caused so many problems not know what they are doing, I don't want nothing to do with them. They started buying my loan in bulk, not reviewing it to know that it showed {$950.00} and my mortgage payment to increase by almost {$100.00} per month. They had my loan 6 months before I knew about any shortage. I am a service connected veteran who is retired. I am on a fixed income and can not afford for this mortgage to make these kinds of errors. They shortage figure kept being incorrect, after 2 months and my payment being lost by the post office, they still never got the figures correct. This is the saddest operation that I have ever seen. I keep them involved regarding the entire process of when the post office lost my 2 payments. I gave them a signed affidavit from the bank the casheir 's checks were drawn on. They still cashed checks that had Stop Payments on them, even though I had replaced the mortgage check for XX/XX/2020. I don't expect my complaint to go away, I expect someone to take some type of action. This should have not occurred and gone this long.

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 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I'm writing you today because I noticed an inquiry from your company on my XXXX  credit report on XXXX listed under Kia Motor Finance. I did not authorize this inquiry for credit and have no knowledge of even applying for financing with your company. This listing is in violation of the FCRA and needs to be removed as soon as 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