vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: LA

Complaint narrative:
Equifax and XX/XX/XXXX should not be reporting me as an authorized user on the XX/XX/XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XX/XX/2020 I had to call Chase to dispute a product because the seller never provided accurate contact info and never responded to emails. I paid for the product on XX/XX/2020. I got the product but it was not the dimensions I had paid for. The representative on the call XXXX XX/XX/2020 XXXX advise me to hold on to the product and await further instructions/communication. The next communication I receive from Chase on XX/XX/2020 stated that my dispute was closed in favor of the merchant with several reasons listed including me not returning the product. I immediately called Chase and a different representative advised me to write a physical letter to Chase to reopen the claim and to return the product to the merchant. I then returned the product via XXXX to the merchant, wrote the letter to Chase requesting to reopen the dispute along with photos of the product I received and the paid invoice that describes the product as proof that I didn't get what I paid for which was XXXX and XXXX tracking number of the return. I was required to fill out a physical form and mail to Chase to reopen the dispute which I did with a note that I had provided all the information for the dispute already and to check my records/files. I received notice it was denied again for not having enough information from me and the charge of XXXX was put back on my account on my XX/XX/2020 statement. I would like to know why the resolution of both disputes for the same purchase was ruled in favor of the merchant for two different reasons and why they feel that the multiple photos, invoices, bounce emails I provided was not enough to show that I did not get the product I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: FL

Complaint narrative:
Friday XX/XX/21 Chase sent 2 unauthorized wires of {$5500.00} each + {$25.00} fee per transaction XXXX they did reverse the fee ). They confirmed on their recorded lines that this was done in error ; this was a " glitch '' and should be corrected by midnight. They assured us they would contact their wiring department to return funds in case they didn't reappear in our account the next morning, Monday, XX/XX/21 I went into our local branch ( XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and spoke to XXXX XXXX who assured me it would be handled. After several conversations this was escalated to his Branch Manager, XXXX XXXX who has adopted the party line " we are researching ''. They will not provide a decision maker contact nor have we been advised if & when these funds will be returned. Your attention to this matter would bet greatly appreciated. Please note : this is not the first time Chase had wired funds without authorization ; this has occurred in a single transaction on several past occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliver Beach Mortgage, LLC
State: TN

Complaint narrative:
I received a " Understanding your available VA home equity Funds '' letter that appears to be from my current mortgage and names them " XX/XX/XXXX 

The mail fraud letter is from Caliver Beach Mortgage company. The letter explains that i have XXXX in available funds and i need to call to see how to disperse them. 

They are defrauding consumers to pretend they are from the current mortgage company to get you to call them and all they do is try to get you to refinance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: MD

Complaint narrative:
Hi, i have numerous inquiries account that are unauthorized and need to be removed from my credit report from the major credit bureaus immediately. I tried to consult this with the original creditors with customer service, but nothing change. I tried to dispute inquires with all three major credit bureaus (XX/XX/XXXX XX/XX/XXXX and Equifax ) nothing has changed. I am now taking extra measures with FTC and CFPB. 

I recently check my credit report and all unauthorized inquires are still there. Please remove the following inquires : XX/XX/XXXX: ( XXXX XXXX OF : Inquired on XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX : Inquired on XXXX XXXX, XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX ). 



Equifax : ( XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XXXX XXXX, XXXX ). 


XX/XX/XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: CA

Complaint narrative:
AES American Education Services is not following the COVID rules of repayment until XX/XX/21. I am getting harassing calls and my credit score is getting destroyed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I want to open a chase bank account but cant because my social security number is being used under a business account but not as a social. Im assuming theyre using it as a tax payers number cause im a XXXX employee. But the bank cant give me information because technically its not me but under my identity. I want their account flagged for fraud and removed. They are the reason i havent been able to receive my stimulus '

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I was not notified of a balance or payment due. I was only made aware of the balance after my credit report showed a delinquent account. I received no communication from XXXX XXXX that the {$99.00} annual fee was due. This is a card that I do not use and had been told by XXXX XXXX, was closed. 

XX/XX/XXXX - Asked XXXX XXXX to close account. They said it was closed. 
XX/XX/XXXX - Credit Card destroyed and no longer used. 
XX/XX/XXXX - ANNUAL {$99.00} FEE charged XX/XX/XXXX - Notice from Credit Bureau of Delinquent Account. Credit score dropped 80 points XX/XX/XXXX - {$99.00} balance paid XX/XX/XXXX - Card Closed XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was not notified of a balance or payment due. I was only made aware of the balance after my credit report showed a delinquent account. I received no communication from XXXX XXXX that the {$99.00} annual fee was due. This is a card that I do not use and had been told by XXXX XXXX, was closed. 

XX/XX/XXXX - Asked XXXX XXXX to close account. They said it was closed. 
XX/XX/XXXX - Credit Card destroyed and no longer used. 
XX/XX/XXXX - ANNUAL {$99.00} FEE charged XX/XX/XXXX - Notice from Credit Bureau of Delinquent Account. Credit score dropped 80 points XX/XX/XXXX - {$99.00} balance paid XX/XX/XXXX - Card Closed XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have given credit bureaus everything they have requested and they have found every way to stall so I have complained here. I mailed them my ID, MY social, and They have my letters from them and a recent bill to verify its me. I have sent them the FTC police reports also. Can you please remove the items and stop stalling. They told me 48hrs once i submitted the police report now they send me a letter asking me to use there dispute process. I have tried that but they are not doing there job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have given credit bureaus everything they have requested and they have found every way to stall so I have complained here. I mailed them my ID, MY social, and They have my letters from them and a recent bill to verify its me. I have sent them the FTC police reports also. Can you please remove the items and stop stalling. They told me 48hrs once i submitted the police report now they send me a letter asking me to use there dispute process. I have tried that but they are not doing there job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This company has let me down so bad this is 90 days of XXXX when I notify the bank before transfer went through on the XXXX and they send me a letter on the XXXX acknowledging that the XXXX transfer did not go through yet and they gave me my XXXX back then later on. They totally give the theirs XXXX hundredand charge me for it please help I did all the necessary steps to prevent it from happening. Please help now they got my account overdrawn XXXX dollars thats not my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
We sold our home in XX/XX/XXXX, the mortgage of that home was serviced with Dovenmuehle Mortgage Inc. At closing we had an outstanding balance of {$5100.00} in our Escrow that was to be reimbursed to us. 

No payment has been received. 
XX/XX/XXXX we called asked for payment status, Dovenmuehle said it was in the mail to wait 30 days. 
XX/XX/XXXX - Called Dovenmuehle said check was lost in the mail and need to wait 30 days for check to be cancelled and confirm it didn't get cashed. 
XX/XX/XXXX - Called, Dovenmuehle said it was not tagged in their system correctly, said it was fixed and to wait another 30 days XX/XX/XXXX - Said check was mailed in XXXX - we ask for proof of payment, said they could not provide that and then when we ask when should be get our money they replied it will take time and one day!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
NORDSTM/TD Account Number : XXXX. THE ACCOUNT LISTED IS AN ERRORS AND MIGHT BE FRAUD. THIS ACCOUNT ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNT IS NOT MINE, IT BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
I opened a Checking account with this bank under a promotional offer under which I would receive a {$300.00} signup bonus as long as I completed the following requirements : 1 ) Make 10 debit card transactions within 90 days of opening acct.

2 ) Enroll in eStatements.

3 ) Open a new Savings acct. 

I met all of the above requirements and I was supposed to receive the {$300.00} signup bonus within 120 days. I never received the {$300.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been paying on HELOC mortgage on time & verifying my payments using my USPS monthly statements. 

The mortgage servicer had been sending me monthly statements prior to this week. 

I tried setting up my account online this week & due my previous bankruptcy the servicer is refusing allow me online access ( they were included in the bankruptcy but I have equity in my home so I continue to pay them ). 

Now that they have my email address & I consented to electronic delivery they do not want to send me paper statements ( a feature that I had two days ago ). Now they are telling me that they do not send out paper statements. 

So now I have no access to my account online or by paper. 

Every time I try to speak with a supervisor they hang up on me. 

I need help getting this servicer to generate a monthly paper statement. I do not trust their customer service/tech support people & I feel they are just trying to avoid paying for postage. 

I have two new laptops & have reliable internet access so I know that's not my computer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I recently disputed a medical account with Eastern Account System in to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. I think this is very unprofessional from a company to not respond to a request and this is over 4 months old and I've been patient enough and now I want answers I want them to validate this debts I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me but any details may only be revealed with the patient authorization but I do not remember signing for them to release my medical information to any collection agencies including this one. 
I want them to provide a copy of my signature with the provider of service to release my information to Eastern Account System. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel really disappointed having to wait over 4 months and never to be responded to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bliksum, LLC
State: NM

Complaint narrative:
I had a loan with Loan me, i have consolidated my debt with XXXX XXXX, I am a client and they are taking care of mu outstanding debt. I have spoken to the company 2 different times, telling them that I have gone with debt consolidation to take care of the debt owed. 
Today, XXXX from XXXX XXXX called, my ex husband, all of my XXXX  of my children, I don't know how in the world they got their phone numbers/saying they had filed a civil law suit on me. Then when I called him back, he tried to deny saying he had left the civil lawsuit with my ex husband. Totally unacceptable, my debt consolidation is not the concern of my ex husband or my children. He also called on of my friends with the same message. 
This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
Early Warning Systems is reporting that my XX/XX/XXXXbank account was closed due to " checking account fraud. '' I contacted Early Warning Systems twice in writing about this to dispute the report but they claim thatXX/XX/XXXXXXXX XXXX verified it as accurate the first time and declined to reinvestigate it the second time without new information. XX/XX/XXXX Reports that I committed checking account fraud and that my account is " unpaid. '' I have never committed any fraud and I don't owe them any money. They also report a different driver 's license state and ID # on file for me. I have a Wisconsin driver 's license and they show a California driver 's license on file. Although I provided a copy of my Wisconsin driver 's license to Early Warning Systems, they refuse to investigate my claim without new evidence. EWS states thatXX/XX/XXXXverified the information they reported. 

I contacted the consumer protection department at XX/XX/XXXX to request documentation or to confirm the reason for the closure of my account but they refused to send me any documentation. I also requested that XX/XX/XXXX correct the report but they declined. The agent only stated that the bank made a " business decision to close the account ''. 

I'm unable to open a new bank account as a result of this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank has discriminated against me because I am an XXXX American Male. A have business that entails landscaping and Personalizing Items. I applied for a SBA loan and was approved. Chase went into my account from last year after witnessing my race and noticed a deposit from the SBA. The Froze my account with all my personal money and Direct deposit from work. I called to get the reason why my account was froze and the fraud department was very adamant it was FRAUD. I was told by a CHASE FRAUD SPECIALIST to submit a letter from my CPA Vouching on my behalf I am a legal business owner who operates as a sole proprietor under my social, and the letter had to be notarized. I provided the letter as requested, they still will not release the hold and FRAUD alert off my Personal account. The Fraud specialist are now telling me I must obtain a EIN to operate as a sole Prop. under my social. I know that's false and inaccurate information. I have read several reviews of other XXXX American men who has experienced the same Discrimination after providing proof of have a legal business.

Company response to consumer: Closed with monetary relief