vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WSFS FINANCIAL CORPORATION
State: IL

Complaint narrative:
The XXXX XXXX in concert with Wilmington Savings Fund Society FSB are trying to steal my Property using deception -- an unlawful cloud on title or fraudulent transfer recorded with the XXXX  County Recorder of Deeds XX/XX/XXXX. Although sued by the Whole United States ( the U.S. Justice Department in conjunction with virtually all 50 state attorney generals, including the state attorney general for Illinois ), XXXX using one of its non-bank subsidiaries or foreign corporations ( XXXX XXXX XXXX XXXX ) filed a series of foreclosure-related evictions against me, but failed to execute the wrongfully obtained possession orders in the defunct business 's name. Now in a third suit it has obtained a possession order in Wilmington Savings Fund Society FSB 's name, falsely representing to courts that the subject property was sold to this trustee plaintiff. Both corporate plaintiffs provided no proof of an actual sale for value ( ex. current property inspection report, purchase contract, title report, etc. ) ; only a " quitclaim deed '' paired with the wrongfully obtained orders. The possession orders are pending the disposition of a petition for leave to appeal filed with the Illinois Supreme Court. Still, the corporate plaintiffs and their counsel continue to engage in frivolous, fictitious filing so as to threaten, harass and intimidate me with unlawful eviction. Their last motion was filed in the circuit court around XX/XX/XXXX, seeking an extension on the time to enforce the eviction order that is in question. It is my contention that neither companies have any rights in the property. Their purported right to possession arises from an unauthorized foreclosure that the executive branches of government successfully prosecuted them for. The XXXX  County States Attorney even found that Housing Discrimination was involved.

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 2020-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I originally contacted FedLoan regarding a change ( DECREASE ) in my number of qualifying PSLF payments made and received a response in XX/XX/XXXX. This is the message I sent : " On my MONTHLY DIRECT DEBIT BILL dated XX/XX/XXXX it showed 2 loans disbursed XX/XX/XXXX with a TOTAL OF 56 and 55 qualifying PSLF payments made. 
Now, on my MONTHLY DIRECT DEBIT BILL dated XX/XX/XXXX it shows 3 loans disbursed XX/XX/XXXX and now my TOTAL qualifying payments have been reduced to 2, 2, and 3. " When I asked for clarification I was told that my loan accounts needed " extensive review '' to count all the qualifying payments. I waited until XX/XX/XXXX and followed up with another email correspondence and received a very similar message. It is now XX/XX/XXXX and I still do not have an accurate count of my qualifying PSLF payments made. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 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: OR

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-16 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: OR

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-16 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: CA

Complaint narrative:
I contacted experian to dispute a fraudulent charge on my credit report, from XXXX XXXX. Experian only took a couple of days, got back to me already saying that the error stays. I don't even think they did anything. I can't get a hold of anyone to help me, and there is no option for me to re dispute the situation. I can't get anyone to help me. XXXX XXXX, along with many other owners/ landlords will try and get away with charging fraudulent charges against tenants when they move out. They have to have stiffer penalties when they do this. XXXX XXXX have no proof what so ever regarding these charges. The manager wrote on the back of a piece of paper " what was wrong '' when I did my final walk through moving out. My XXXX year old daughter was with me. When I asked for a copy of what she wrote, she said she couldn't give me one, because their office was " under construction '' and copy machine not working. I didn't agree or sign anything, proving that these charges were even mine.

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 2020-01-16 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: MI

Complaint narrative:
I have tried on many attempts to update my legal name on my Experian Account. They refuse to change my name despite it being a COURT ORDERED name change!!!! 

I was transferred 6 times to different departments by people who barely understood English. I have changed every other account without issue.

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 2020-01-16 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I discovered unauthorized/fraudulent transactions on my Chase Bank credit card account and immediately contacted Chase Bank, upon receipt of my statement on XX/XX/XXXX, to report the fraud. The unauthorized charges are : XX/XX/XXXX XXXX  {$100.00} XX/XX/XXXX XXXX XXXX   {$22.00} XX/XX/XXXX XXXX XXXX {$60.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$63.00} XX/XX/XXXX XXXX XXXX {$37.00} XX/XX/XXXX XXXX XXXX {$33.00} XX/XX/XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX {$36.00} Chase promptly removed the charges from my account after I reported the fraud. My credit card was with me at all times and I destroyed the card when I was informed by Chase that a new account will be created and a new card will be mailed to me. Chase Bank informed me that I was not responsible for fraudulent charges. At the time, I considered the matter closed and put it behind me. 

I received a letter in the mail from Chase Bank 's fraud department on XX/XX/XXXX. According to the letter, Chase Bank is holding me responsible for the fraudulent charges. They are stating that a physical card was used at these locations. They are telling me that this is my fault. I did not authorize these charges. I do not shop at these locations. I have never authorized anyone to use my card. The card has always been in my wallet. There is no possibility that someone could have stolen my card and racked up these charges and then gave my card back to me. I provided these details to Chase Bank and XXXX in the Fraud Department said that there was nothing further that Chase Bank could do for me. 

I reported the fraud to my local police department on XX/XX/XXXX. My police department has provided me with a case number and is requesting video surveillance from the store locations where the fraudulent activity took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/XXXX I called my credit card company, XXXX XXXX XXXX XXXX MasterCard to pay the balance of my bill that was late. The balance due was {$43.00}. 
I offered to pay the bill in full but XXXX ( XXXX ) from Barclays insisted that I pay the late fee that was {$39.00}. 
According to the regulations : Why did my credit card issuer increase my late payment fee? 
The first time you are late, the credit card company can charge you a fee of up to {$28.00}. 
If you are late a second time within the next six billing cycles ( typically a billing cycle is a month ), the card company generally can charge you up to {$39.00}. However, the late fee can never be more than the minimum amount due. 

The late fee is 90 % of the balance due? 

The minimum due was {$27.00}. 
They are overcharging me for a late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16 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: PA

Complaint narrative:
iam a consumer pursuant to 15 1692, I submitted documents relating to the accounts listed on my credit report to be deleted and blocked under the FCRA, Transunion, XXXX   and XXXX has violated under 15 16810 for negligence and non compliance,15 1681s ( A ) responsibility of furnishers to consumer reporting agencies.Pursuant to 1681i ( a ) ( b ) ( c ) 5 ( b ) ( i ) certification of accuracy of information ( ii ) notice to consumer ( iii ) 7

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 2020-01-16 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: PA

Complaint narrative:
iam a consumer pursuant to 15 1692, I submitted documents relating to the accounts listed on my credit report to be deleted and blocked under the FCRA, XXXX, Equifax and XXXX  has violated under 15 16810 for negligence and non compliance,15 1681s ( A ) responsibility of furnishers to consumer reporting agencies.Pursuant to 1681i ( a ) ( b ) ( c ) 5 ( b ) ( i ) certification of accuracy of information ( ii ) notice to consumer ( iii ) 7

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 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: PA

Complaint narrative:
iam a consumer pursuant to 15 1692, I submitted documents relating to the accounts listed on my credit report to be deleted and blocked under the FCRA, XXXX, XXXX and experian has violated under 15 16810 for negligence and non compliance,15 1681s ( A ) responsibility of furnishers to consumer reporting agencies.Pursuant to 1681i ( a ) ( b ) ( c ) 5 ( b ) ( i ) certification of accuracy of information ( ii ) notice to consumer ( iii ) 7

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 2020-01-16 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: FL

Complaint narrative:
My information has been hacked or obtained someway and now when I checked my credit in process of buying a home I have a bunch of accounts showing that I do not recognize. Please help me get this matter resolved and to clarify it with the credit bureaus to get these fraudulent accounts off. 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 2020-01-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i was a victimm of fraud. someone used my debit card to obtains items. i called bank of america to close my card and report it lost. they opened a claim and later denied my claim. i called them to reopen my claim because this was fraud and they had me wait 6 months to later denied my claim again with no explanation.

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 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
Man at this point I am really sick of trying to deal with this company. 
I called Sagestream and left a voice message AGAIN and no one answered as usual NOR did anyone call me back. Hoping to get what I need done through here. 
You guys should really double check that these companies are submitting working numbers because they aren't working for us consumers. On top of that the ID 's I sent were clearly visible so it seems like they are just playing games with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: FL

Complaint narrative:
My information has been hacked or obtained someway and now when I checked my credit in process of buying a home I have a bunch of accounts showing that I do not recognize. Please help me get this matter resolved and to clarify it with the credit bureaus to get these fraudulent accounts off. 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 2020-01-16 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: FL

Complaint narrative:
My information has been hacked or obtained someway and now when I checked my credit in process of buying a home I have a bunch of accounts showing that I do not recognize. Please help me get this matter resolved and to clarify it with the credit bureaus to get these fraudulent accounts off. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: KS

Complaint narrative:
On Friday XX/XX/XXXX, between the hours of XXXX I went to the US Bank ( XXXX XXXX XXXX XXXX XXXX, KS XXXX United States ) and deposited {$970.00} cash into my savings account. A week later when I checked my mobile bank app to look at my funds I noticed the {$970.00} that I deposited never actually showed up in my account. It never showed up in either my checkings or savings account. I immediately went to the bank and gave them all my information to pass on to the bank manager, who was going to contact me later. After a few days of the manager not contacting me I called again and the branch manager said he was never given any of that information and he was going to go ahead and look into it for me and hed call me back within 3 days. After 5 days I called and spoke to another manager who said she would look into it. After another few days past with no calls I tried repeatedly calling the branch without hearing from anyone. 3 weeks later ( after the initial deposit on the XXXX ) I went up to the bank to talk to the branch manager in person. He informed me he forgot to call me but that he did look into the day in question ( Friday XX/XX/XXXX ) and saw that there were no transactions for any of the tellers for the amount in question ( {$970.00} ). At this point I asked if he could check the security footage and to that he said he didnt have access and hed have to put in a request and that it probably wouldnt help because they dont know what I look like. I then said Id like to file a complaint and he said to file a complaint about lost money Id need the receipt, and of course I dont have the receipt and if I did I wouldnt be having this problem. My concern is, that if the branch manager did actually look into all of the transactions on XX/XX/XXXX and there were none for the amount of {$970.00}, then someone must have done something with my money. At this point I am tired of dealing with the branch manager because he doesnt seem to be that interested in helping me and repeatedly questions me on whether I have the date correct or if I have the branch correct. There is no doubt in my mind that it was that exact day and that exact branch. Either the manager never actually looked into it, or somebody walked away with my money without putting it into the system.

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 2020-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I had an auto loan through FLAGSHIP CREDIT ACCEPT. My car was totaled out, paid off by my auto insurance and gap insurance. The finance company ( FLAGSHIP CREDIT ACCEPT ) did not process the payments timely to pay off the loan. They tried to get one last payment from me but I disputed it because my insurance companies paid the loan off. No my credit report shows a write_off of XXXX dollars. I dispute owing FLAGSHIP CREDIT ACCEPT any money. This is hindering my ability to finance a home. This loan was paid in full but the lender is trying to get more money.

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 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase bank makes an offer for the United Club Explorer card which states that you get 50,000 bonus miles, and a United Club Membership included Then on the website, they talk about a {$650.00} value for the membership, then buried in small print it talks about {$450.00} They also have advertisements for the same card which talk about free united club membership.

These ads are everywhere if you travel on United ... in the app, in their clubs, on the planes.

In the end it is an either/or benefit - either the club membership or the 50,000 miles. I believe it is designed to be confusing and convince people they are getting both benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: TX

Complaint narrative:
Someone used my information without my authorization to get a house or apartment and now they are coming after me and tarnishing my credit report. They contacted me from XXXX XXXX XXXX saying I owe {$3400.00} this is outrageous please help!

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 2020-01-16 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I saw on my experian credit report 3 inquiries which is not mine, please help me to they remove from my credit report. Thank you XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX.

Type : Bank Credit Cards Phone number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX  XXXX  CARDS XXXX   Inquiry date : XX/XX/XXXX.

Removal date : XX/XX/XXXX Type : Bank Credit Cards Phone number : NO PHONE PROVIDED Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX   XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Type : Bank Credit Cards Phone number : XXXX Address : XXXX XXXX XXXX XXXX, DE 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