vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-01 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays Bank US reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contacted XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XXXX have done that three different times, and nothing happened, and the unauthorized inquiries still remains on my XXXX  report. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: William D. Meeker Enterprises, Inc.
State: GA

Complaint narrative:
CIC Credit reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contacted XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XXXX  have done that three different times, and nothing happened, and the unauthorized inquiries still remains on my XXXX  report. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: GA

Complaint narrative:
Marked as evidence in my attachments, you can see the malice intent by Equifax by going in to my XXXX Credit Report and Opening up the Accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX. Now these XXXX with malice intent [ OPEN ] these accounts after, TradeLine, Creditors, Charged off and CLOSED these accounts here listed above. See this criminal XXXX move by Opening these XXXX ( increases ) my XXXX DTI, debt-to-income Ratios, check out XXXX  attachments, over $ 7,700.0monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: EQUIFAX, INC.
State: CT

Complaint narrative:
After reviewing my credit report I found personal items that are not correct. 

My name is XXXX XXXX - please remove XXXX XXXX XXXX and XXXX XXXX XXXX My telephone number is ( XXXX ) XXXX - please remove ( XXXX ) XXXX My address is XXXX XXXX XXXX, XXXX XXXX, CT XXXX - please remove these addresses that I have never lived at or may belong to relatives. 

XXXX XXXX XXXX. XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
After reviewing my credit report I found personal items that are not correct. 

My name is XXXX XXXX - please remove XXXX XXXX XXXX and XXXX XXXX XXXX My telephone number is ( XXXX ) XXXX - please remove ( XXXX ) XXXX My address is XXXX XXXX XXXX, XXXX XXXX, CT XXXX - please remove these addresses that I have never lived at or may belong to relatives. 

XXXX XXXX XXXX. XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CT 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 2020-11-01 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: CT

Complaint narrative:
After reviewing my credit report I found personal items that are not correct. 

My name is XXXX XXXX - please remove XXXX XXXX XXXX and XXXX XXXX XXXX My telephone number is ( XXXX ) XXXX - please remove ( XXXX ) XXXX My address is XXXX XXXX XXXX, XXXX XXXX, CT XXXX - please remove these addresses that I have never lived at or may belong to relatives. 

XXXX XXXX XXXX. XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CT 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 2020-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
This debt came from XXXX, I had a contract for 18 months with 4 phones. I completed the 18 month contract in XX/XX/XXXX turned in all 4 phones through mail as asked by XXXX. Followed instructions from package they sent with label attached to send all equipment back to XXXX. All bills were paid in full and equipment returned, after XX/XX/XXXX I received a bill saying I owed over XXXX dollars for equipment. I refused to pay. I returned all equipment in the prepaid labeled package XXXX provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Nationstar / DBA Mr. Cooper charged {$170.00} of exit fees above and beyond the mortgage payoff amount. Fees included : County Recording Fee {$100.00} Third Party Reconveyance Preparation Fee {$20.00} Expedited Delivery Fee {$25.00} Def Exp Quote Dlvy Fee {$25.00} I wanted to file notice of these extra fees because I have refinanced before and never been charged fees for " an official payoff statement ''. It seems unfortunate this lender would like to charge for telling someone how much is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an email notice that my credit card statement was ready. Since I have opted for paperless statements, I must access my statements online. I have tried to log in to the website on XX/XX/XXXX, XXXX, and XX/XX/XXXX with no success. All that is displayed after entering my user name and password is a blue screen. On XX/XX/XXXX, I called Chase customer service to ask about the issue and was told they were doing maintenance and the website would be available on XX/XX/XXXX. So on XX/XX/XXXX, I again tried to log in with no success. How am I supposed to pay my bill when I can not access my statements? I have experienced the same problem last month when trying to access my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
ok. our mortgage company is amerihome mortgage. we have been struggling with them for almost 2 years now to be put into another payment plan. the first one we were in we had it all paid off and the last payment they returned and kicked us out of it. so since then we have been filling out packet after packet of paperwork, writing letter after letter of hardship, submitting countless bank statements, proofs of incomes and jumping through all of these hoops just to get some help from our mortgage company. we are even working with a hud counseling agent to help us with the process and getting nowhere but deeper in debt with our mortgage company. im finally at to where i could start making payments if they just put us in a payment plan already. now our home is in foreclosure. the first set of attorneys the mortgage company had is now being sued. we tried to make payments to the mortgage company and they denied us and referred us to the attorneys. tried paying them and they turned us down. now they are being sued. second set of attorneys have sent paperwork introducing themselves and nothing more. during all of this, we had make a couple of payments through the automated system of the mortgage company and they took it. we have proof on our bank statements. now all we want is from them to help us and place us in a payment plan to get us back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: PA

Complaint narrative:
Received a card not requesting one.

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 2020-11-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i was issued by the state an unemployment card. I have yet to receive on that works until recently. Apparently they kept sending to the wrong address, etc. I finally received a card, which has a balance of negative XXXX I HAVE SPENT MONTHS TRYING TO GET THIS CARD THAT SHOULD HAVE AROUND 24000 OR SO ON IT. I CALL IN AND LET THEM KNOW THIS, AND WAIT ON HOLD FOR 3-4 HOURS ONLY TO GET DISCONNECTED OR GET SOMEONE RUDE. 

THEY HAD DISPUTES FOR THE AMOUNTS ON THE CARDS THAT WERE MISMAILED OR SENT TO SOMEONE ELSE AND WERE SUPPOSED TO BE REFUNDED. I GOT SOMETHING IN THE MAIL STATING WE CLOSED THE DISPUTES FOR SUSPECTED FRAUD. ( MY IDENTITY WAS VERIIFIED AND BOA WAS INFORMED ) THEY SHOULD HAVE NOT REVERSED THE DISPUTES, AND THEY SHOULD NOW THAT THEY RESTARTED THE CLAIMS BE RESPONSIBLE FOR THIS AND MAKE SURE I GET THE FULL CREDIT FOR WHAT WAS MISUSED AND OBTAINED ILLEGALLY ... 

THEY SHOULD NOT HAVE LET THIS HAPPEN IN THE FIRST PLACE AND BE HELD RESPONSIBLE FOR THE PROBLEM.

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 2020-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
In your package you sent me in XX/XX/XXXX On complaint XXXX documents provided for modification of XXXX and payment history shows modification cost of XXXX which shows escrow overcharge, and payments from XXXX XXXX-XXXX XXXX thru modification not being credited towards principal or escrow. It shows XXXX for escrow but over 9.000 was not credited as payments as payment history n escrow history does not show payments being credited. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-11-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern, Recently, I had a " delinquency '' status placed on an account that I had recently closed with XXXX XXXX for a car I leased in XXXX. I have always made timely payments on my account, and decided to buy out the lease, which I sent pay off on XX/XX/XXXX before the due date XXXX XX/XX/XXXX XXXX for my usual lease payments. However, I found out through my credit report alerts that my credit score went down by 75 points because of a delinquency status placed by XXXX XXXX. I submitted a dispute with Equifax with supporting documents to prove that I have never been delinquent. However, I found out on my investigation results that they only changed the date of the delinquency status rather than deleting it. They clearly did not investigate this thoroughly and did not look carefully at the documents I had submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am on a deed and mortgage with my ex-husband. He was court-ordered in XX/XX/XXXX, per our final divorce order to maintain mortgage payments or sell the marital residence. He has not made payments on the mortgage, and is illegally utilizing the CARES ACT for relief from paying on the mortgage. He has been unable to pay the mortgage and/or refinance it since XX/XX/XXXX, and is now taking advantage of a pandemic to keep from paying the mortgage. He also falsifies his income on the refinance applications. In the meantime, since XX/XX/XXXX, he has repainted the marital residence, which is almost 5,000 square feet if you include the finished basement, he has completely refloored the entire home, resurfaced the in-ground pool and added a salination filtration system for the pool and filed a false claim with our insurance company to get the roof replaced. Not to mention his purchase of three new golf carts and two new jet skiis. He gets a retirement from the XXXX XXXX, XXXX and receives rental income from whomever lives in his home, a rental property located on XXXX XXXX. in XXXX County, VA, a rental property on XXXX XXXX XXXX in XXXX County, VA, a XXXX  stipend from XXXX XXXX XXXX  XXXX  and he owns a XXXX, XXXX, XXXX -- according to XXXX XXXX XXXX earns $ XXXXyr. I am abhorred that he is deceiving our mortgage and insurance companies using a Federal program to evade paying the mortgage, and I'm terrified that I will be included in the scandal when he gets caught. I have sought relief through the XXXX County Circuit Court, but the Judge has refused my requests. I have notified our mortgage holder, JP Morgan Chase and its attorneys at XXXX XXXX XXXX, XXXX, and no action has been taken. I have also filed a claim with http : XXXX and no action has been taken. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received a statement from TD Bank that a payment of {$190.00} would be deducted on XX/XX/XXXX and the remaining balance would be {$5100.00}. I had them take the payment, then on XX/XX/XXXX they cashed my check for the balance. 
They made a mistake and took out another payment in XXXX. After numerous phone calls, I finally got a check from them for the extra payment but they deducted {$58.00}. After more multiple phone calls I was advised that there was a {$30.00} collateral fee and {$28.00} in interest. 
My contention is that this is just a way to bilk me for additional money. I paid the amount that the statement listed the next day, There was no listing of any additional monies or references to call for a payoff. Also, there is no way that one day 's interest for {$5100.00} is {$28.00}. 
I feel that these charges are unjustified and should be refunded to me ... ... ... ... ... ... ... XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GLOBAL TRUST FINANCE, LLC
State: FL

Complaint narrative:
This lender caused me to lose {$7500.00} on a deal due to the fact that he qualified me for a loan that was never qualified for. He asked me to provide income for an income that did not exist and he carried the process out for 3 months only to end up with a denial. The seller filed a claim on the escrow funds and now I am without the house as well as the funds lost. His communication was terrible, and he showed no concern or empathy for the trouble that he caused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I received a solicitation from Capital One Bank to deposit {$50000.00} of new funds from an outside source to my Performance Savings Account by XX/XX/2020 and leave it in the account through XX/XX/2020 and they would pay me a bonus of {$450.00} within 60 days of the end of the required deposit term. On XX/XX/2020 I transferred {$50000.00} from my High Yield Savings account with XXXX XXXX  to my Performance Savings Account at Capital One. That deposit remained with Capital One Bank until XX/XX/2020, which was later than the required term of the deposit to receive the bonus. It is now past the 60 days and Capital One has not credited my Performance Savings Account with the {$450.00} bonus in accordance with the terms of their solicitation. 
I have not contacted Capital One because : ( 1 ) I don't think I should have to since they made the offer to me, and ( 2 ) I am nearly XXXX and can not use a telephone and there is no email contact information on their website. 

I would request your assistance in requiring Capital One Bank to adhere to the terms of their solicitation and credit my account with the {$450.00} bonus. 

Thank you very much for your time and assistance.

Company response to consumer: Closed with monetary relief