vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
The following is a report of a mortgage initially opened on XX/XX/XXXX with JP Morgan Chase Mortgage. The mortgage was closed and paid in full on XX/XX/XXXX. 

On XX/XX/XXXX ( one year after the loan was paid in full ) JP Morgan Chase reported two greater than 30 day late payments that they report occurred in XX/XX/XXXX and XX/XX/XXXX. We did not make these payments past the due date. 

We have been damaged by higher insurance rates and credit costs as a result of their defamatory reports. 

JPMCB - HOME LENDING  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
TransUnion XXXX. XXXX XXXX XXXX, PA XXXX I have attempted 3 times to have my annual credit report mailed to me from TransUnion and they keep refusing to send it. 

My first attempt on XX/XX/XXXX, I wrote them asking for my credit report. I sent a copy of my valid Driver 's License with correct address and a copy of my Social Security Card along with my request. They wrote back with a letter dated XX/XX/XXXX stating they could not send me my report due to my mailing address not being listed in their records and that I must send proper documentation in another request to receive my credit report. 

My second attempt on XX/XX/XXXX, I wrote them asking for my credit report sending them the documentation they requested to receive my report. I sent them a copy of my valid Driver 's license with correct address, a recent utility bill ( less than 2 months old ) with my name/correct address, and a copy of my social security card along with my request. They wrote back with the exact same letter dated XX/XX/XXXX stating they could not send me my report due to my mailing address not being listed in their records and that I must send proper documentation in another request to receive my credit report. This made no sense to me as I sent them the documentation that they requested verifying my mailing address. 

My third attempt on XX/XX/XXXX, I wrote them asking for my credit report sending them the documentation they requested to receive my report ( this time circling the items on the request document that met the requirements they were asking for ). I sent them a copy of my valid Driver 's license with correct address, a recent utility bill ( less than 2 months old ) with my name/correct address, and a copy of my social security card along with my request. They wrote back with a new letter dated XX/XX/XXXX stating that one or more of the documents provided was illegible. 

I disagree that any of the documentation that I sent was illegible. They keep refusing to send me my credit report that is my right to ask for once a year and that they are required to send per the Fair Credit Reporting Act ( FCRA ). They are breaking the law and being unnecessarily meticulous.

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 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: POPULAR BANK
State: NY

Complaint narrative:
I am trying to refinance my mortgage from Popular Community Bank to XXXX. We initiated the process of title clearance with Popular bank on XX/XX/XXXX. As per their process, it takes 4-6 weeks. Today is XX/XX/XXXX, two months from the date and they have yet to provide any documentation to XXXX XXXX lawyers so that I can move forward with my refinance. I paid XXXX dollars with a certified check to have this service performed.

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 2019-11-05 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: TX

Complaint narrative:
Preferd CR # XXXX is reporting a charge off collection to my credit that is past the Colorado statute. I no longer legally owe this debt and I would like the account to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
Preferd CR # XXXX is reporting a charge off collection to my credit that is past the Colorado statute. I no longer legally owe this debt and I would like the account to be removed off my credit.

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 2019-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: CA

Complaint narrative:
On Friday XX/XX/XXXX i called to make a past payment for XXXX since Im Behind and they charged the wrong account I have not used in over 4-5 months that I told them to remove as it is no longer an account to use. They charged the old account overdrawing my account by over {$3500.00} and I was hit with over {$100.00} in overdraft fees. I called to address the issue with no help and getting the run around I would like a refund of the XXXX to that account plus the {$150.00} in overdraft fees as a result so they can bill the correct account. No one has tried to help or resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Preferd CR # XXXX is reporting a charge off collection to my credit that is past the Colorado statute. I no longer legally owe this debt and I would like the account to be removed off my credit.

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 2019-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I was told to response and receive by USPS mail a letter from Credit Acceptance. A pre agreed to amount I paid {$200.00} whenever I received letter and I did. This month XX/XX/XXXX the agency reported that I missed a payment and I did not. As per agreed I called in and was on an endless circuit which returned and never connected me to pay so I mailed payment before its due. Therefore I dispute the claim I missed a payment. I want that " missed payment '' corrected since it negatively impacts my credit 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 2019-11-05 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 — Was not notified of investigation status or results
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: IL

Complaint narrative:
On XX/XX/2019 I filed a dispute with Moneylion bank about unauthorized transactions Ive sent them police reports & etc. I reported my card stolen & just received it XX/XX/2019. Now that Im calling checking on the update of my dispute theyve locked my account. I have funds in my account that I cant use that they are holding hostage! They keep telling me that I cant close my account or they cant send me my money because they are protecting it which is ridiculous! Ive been trying to close this account for 2 days now & theyre still telling me no they cant close it. What type of company holds your money hostage because they are incompetent!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: VA

Complaint narrative:
-- Square processed three transactions for {$5000.00} each, totaling {$15000.00}, between XX/XX/XXXX to XXXX, 2019 in exchange for {$520.00}. 

-- The cardholder 's financial institution disputed the charges despite extensive work that was done, so Square extracted {$15000.00} from my bank account on XX/XX/2019 while the case is considered -- This {$15000.00} is in addition to the {$520.00} Square already collected upfront in exchange for the original transactions. 

-- When asked what the additional {$520.00} they are holding is in exchange for on XX/XX/2019, Square was unable to provide details of expenses. Square also indicated that there's nothing else they can do to make a case to the cardholder 's financial institution, despite additional evidence of the original transactions. 

-- Evidence of the services provided to the cardholder in exchange for the transactions, including hihg-value video and media work products with the cardholder appearing in them, were provided to Square as requested, and Square transferred this material to the cardholder 's financial institution. Square indicated that it has done nothing else to make my case to the cardholder 's financial institution and is unable to submit additional evidence for 90 days. In the meantime, I'm left holding all the risk, including an additional {$520.00} which Square has not itemized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: MI

Complaint narrative:
There was an account opened on XX/XX/2019 with XXXX XXXX XXXX XXXX with a balance of {$16000.00}. I made payments on this account while trying to get it disputed. As well on XX/XX/2019 another account was opened with XXXX XXXX XXXX XXXX with a Balance of {$20000.00}. I made payments on this account while trying to get it disputed. This is a fraudulent account results of Identity theft. I was told from the company that these accounts were registered in XXXX, XXXX and I reside in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
i received a copy of my credit report and found collection debts that did not belong to me and was a result of identity theft. I disputed the accounts and reached out to the companies involved and to my dismay these companies did 3 things. They removed the debt from my account and sold it to another collection company who in turn placed it back on my credit file. They updated the information without doing an investigation according to the fcra laws set in place to protect me as a consumer. They also sent me copies of bills that still didnt belong to me but nothing of an original contract bearing my signatre or copies of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: TN

Complaint narrative:
Unauthorized Inquires are on my credit report as of XX/XX/2019. 
These inquires have dropped my credit score by 100 points.

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 2019-11-05 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: Global Lending Services LLC
State: TN

Complaint narrative:
Unauthorized Inquires are on my credit report as of XXXX XXXX, XXXX 2019. 
These inquires have dropped my credit score by 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I utilized a convenience check to transfer {$5600.00} on XX/XX/19. The Bank has been sending me convenience check offers repeatedly as part of the monthly statement as well as separate direct mail pieces. In the offer, it states that you would get a 0 % interest for a one year period but will pay a 3 % balance transfer fee. I understood that and accepted the cost. However, since the transfer took place, the Bank has been assessing interest charges despite this 0 % offer and the fact that I've continued to pay off all purchases made during each statement month to avoid interest charges. The interest being charged on purchases was 11.74 % in the most recent statement. The Bank did not properly disclose that they would charge interest on current purchases if you use their convenience checks. This is deceptive advertising.

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 2019-11-05 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: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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:
Incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STATE FARM BANK, FSB
State: IN

Complaint narrative:
had health issues and was forced to retire from self employment. Tried to get a HECM but was turned down due to foreclosure being filed. Contacted attorney to obtain reinstatement amount and received letter giving amount as {$40000.00} to reinstate. The amount of attorney fees seemed excessive since I had obtained a modification in late 2015. I filed a qualified written request asking for a breakdown of charges. The letter I received back broke down these charges and almost half are from before the previous modification. These charges should have been paid at that time, not now. I would like to have a new reinstatement amount showing valid reinstatement charges sent to me so I can proceed with a request for either a modification or HECM. 

All supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
I am under a payment arrangement and they did not respect the agreement and thus damaged my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There was an account that was opened on XX/XX/2019 with XXXX XXXX for the total balance of {$3400.00}. This is a fraudulent account from the results of Identity theft.

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 2019-11-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I closed a Costco CITI card because payments were not being applied to the right card as I also have a CITI Simplicity card. I continue to get late payment letters threating to report me to collections. When I call and speak to customer service I get routed to a number and then hangs up. I can not get Citi Cards to close the Costco card ending in XXXX. Citi card reported me to the credit reporting agencies and caused my credit score to be lowered.

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 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Re : Mortgage XXXX I paid my insurance by credit card and I asked US Bank to either remove the insurance part from escrow or reimburse my recently-paid insurance premium through check. 
I already contacted US Bank about this ( and last year too ) and I was told that it's possible for me to pay insurance directly and US Bank will issue a check to reimburse me ( even though the mortgage will still include insurance as part of escrow ). 
But even after telling me that US Bank can reimburse me through check ( and I also contacted US Bank several times regarding this issue ), it still send payment to the insurance company even though it's already paid off. 
I'm not asking a mortgage reduction and I never miss a mortgage payment. I just simply asked to pay the insurance by my own and US Bank to reimburse me by sending the check to me ( instead of sending it to the insurance company ). 
This reflects that US Bank doesn't really care about its customers at all.

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 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
i received a copy of my credit report and found collection debts that did not belong to me and was a result of identity theft. I disputed the accounts and reached out to the companies involved and to my dismay these companies did 3 things. They removed the debt from my account and sold it to another collection company who in turn placed it back on my credit file. They updated the information without doing an investigation according to the fcra laws set in place to protect me as a consumer. They also sent me copies of bills that still didnt belong to me but nothing of an original contract bearing my signature or copies of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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: TN

Complaint narrative:
I was notified that my information was compromised. Took the appropriate steps to remove the items. Credit reporting agencies have not removed them.

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 2019-11-05 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: NY

Complaint narrative:
Incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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:
Incorrect information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

XXXX  and XXXX not letting me look at my credit BEEN a victim of ID Theft capital one not paying for their mistakes i have letters and asked for a fix

Company response to consumer: Closed with explanation