vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I finally found out what Chase Bank had done to me. Cancelled my card with NO Notice. I had NO way to pay my bills, get food, get gas or anything else. I was stranded. When I told the branch that XXXX had charged my twice and I didn't not authorize it and didn't know what the charges were for. They told me to file the complaint on line so I WOULD NOT have a problem with my card. Incorrect information. They cancelled the card weeks later and waited until I found out to start the SNAIL MAIL process to replace the card. I called assorted departments of the bank and FIVE calls later I found out what happened. It is TOTALLY UNACCEPTABLE. I had to basically threaten the corporate office to get a new card overnighted to me. It DID NOT happen, that was on XX/XX/XXXX, it was not sent until XX/XX/XXXX, received it on XX/XX/XXXX at XXXX XXXX. 
The " behavior '' of Chase is a DISGRACE for the largest US bank. I assume they think they can get away with what ever they want to. There HAS to be more than a reprimand, especially with C19. To leave an XXXX year old woman basically helpless should be a crime!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18 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: NJ

Complaint narrative:
Upon reviewing my credit file I noticed a derogatory mark stating that I was pass due on an account from XXXX with a XXXX balance. I send all three bureaus validation of debt letters along with a request for a method of varication. They sent me a letter stating the account was verified as reporting accurately. I contacted the original creditor and was told that my balance was XXXX balance. I also noticed that all 3 bureaus were reporting 3 different open and close dates. According to the original creditor the open date was XX/XX/2015 notXX/XX/2015 per XXXX  and not XX/XX/2015 per Experian and XXXX. If they actually completed a through investigation then why is the reporting information different from the information the original creditor has provided me. Due to the apparent neglect of my credit file. I would like this account completely removed from my file immediately. This is a major violation of the FCRA.

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 2020-05-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-05-18 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: AR

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

US DEP ED XXXX {$34000.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-05-18 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: AR

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

US DEP ED XXXX {$34000.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
I contacted Dovenmuehle mortgage inc, they are the loan servicer on my FHA mortgage, about Covid-19 hardship forbearance at the beginning of XXXX after 2 weeks I had not heard back about the details of the forbearance so I gave them a call on XX/XX/XXXX. I was told that I was already in forbearance as of XX/XX/XXXX and I would only get 3 months of forbearance as opposed to the 6 months guaranteed by the cares act and that my payments would also be due at the end of the 3 months and I would be reported as late for the 3 months as well. When I asked why I couldnt get the 6 months and I could roll the payments to the end of the mortgage I was told that that they were in compliance with all the federal agencies. I also was told I wouldnt have the written details of the foreberance program that I was placed in with out me having a chance to discuss it with them for another 30 days, if I hadnt called I wouldnt have even known I was in foreberance at all. The way this company is handling the situation caused by the global pandemic is unethical and I would like the situation remedied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$370.00} US DEP ED XXXX {$3800.00} XXXX  XXXX {$23000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$280.00} XXXX   XXXX {$770.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX {$650.00} XXXX   XXXX {$5300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Agreed to paperless invoicing. When I received monthly e-invoice by email to click on link to make a payment, XXXX platform would take me to my XXXX Visa, not MasterCard. I did not realize this error and that my payments were going to my XXXX Visa ( resulting in double payments ) until MasterCard was late and behind in payments. I called XXXX and spoke to a Manager. She agreed technical glitch in their platform did not take me to the payment screen for the M/C credit card invoice I received but to a different card, my XXXX Visa. XXXX reversed all late payments. I have always been current on payments. Payments were low ; I would have never NOT paid this on time. Because of electronic platform issues, now my credit rating is low and flawed. Please reverse if possible. I have asked XXXX to escalate this issue to their IT specialist to  resolve the issue and removed myself from paperless invoices.

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 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
The original creditor is XXXX XXXX. 
- The debt collection agency is LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX PH : XXXX OR PH : XXXX. 
- The amount listed on the credit bureau reports is {$560.00}. 
- I have attempted to dispute this account minimum of 2x with each individual credit bureau agency ( XXXX, XXXX and  XXXX  ). I have also called LVNV funding directly requesting a validation of the debt. I do not recall this debt at all. 
- When I reviewed my XXXX  report it list date of first delinquency XX/XX/XXXX ; delinquency first reported on XX/XX/XXXX and the date the account was first opened XX/XX/XXXX. How do these dates make valid sense? I am simply requesting an explanation and proof of this debt. 
- When I reviewed my XXXX  report is states date placed for collection XX/XX/XXXX. 
- When I reviewed my XXXX credit report it states collection opened on XX/XX/XXXX and the account type is a " FACTORING COMPANY ''. 
- I have all three copy of copies that support this information above. I have also attempted to contact XXXX XXXX - but I was advised to contact the debt collection agency. I have a current XXXX  XXXX credit card holder this is further more I do not understand what account this debt collection agency states that I owe. It is my right to be provided documentation to this aforementioned account. The credit bureaus have stated this account has been verified ; however no means of how this account has been verified to me directly and it is my credit profile that is being effected. I respectfully ask for this account to be validated or removed for all of my credit bureau profiles. I also request proof of when any correspondence was sent to me to discuss this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
For the past year I have contacted Transunion and XXXX  with letters on inquiries on my reports that I did not authorize. I know that they are supposed to respond within 30 days and I had certified mail and I never got a response. These letters were sent off XX/XX/2020. In addition to the letters that I sent I also was on the phone several times and spent numerous hours waiting and getting hung up on. They did not want to a dress removing this information like ages didn't matter and it is affecting my ability to be able to acquire the credit that I want to acquire and I need these items removed.

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 2020-05-18 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I'm showing a charge off account on my credit file from Barclay's- I have already paid, settled and close this account. Please see attached documents for proof of payment and settlement. I have tried to contact Barclays to make sure that they update my records with XXXX, they have not update my file with XXXX. Also, XXXX  continues to report this as late payment on my file. Barclay 's account is charge off and the last late payment on my account was reported in XX/XX/2017. This account was steeled and the creditor agreed to delete this account form my file. I have been trying to speak with XXXX  and have them update my file and delete this account and fix my FICO score, they have report and lowered my fico score by 18 point on XX/XX/XXXX. I have exhausted all options with Barclays and XXXX and no luck.

PLEASE HELP ME

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 2020-05-18 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 2020-05-18 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 2020-05-18 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I contacted Transworld Systems Inc for an account that was in their office on XX/XX/2020 in the amount of {$920.00}, At that time I paid the account in full in the amount of {$920.00}. The representative that I spoke with XXXX XXXX stated that once the account is paid I will receive a paid in full leatter on XX/XX/2020 and the credit report will be updated on XX/XX/2020 in which this account would be Deleted from my credit file. The account is still showing on my credit report. The balance is {$0.00} but, the account should not be showing on my credit file. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Evergreen Moneysource Mortgage Company
State: CA

Complaint narrative:
I have lost my job due to Covid -19 and Evergreen Home Loans keeps on calling me and telling me i will lose my house if i do not issue the missed payments and they will start the short sale process. 

Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Please refer to my prior Complaint ID # XXXX. 

To date, I received {$47.00} but Citibank still has not issued me the check for {$610.00} which they said they would do in response to my complaint ( please see their reply ). Their letter was dated XX/XX/2020 and I was supposed to allow 7-10 business days which has passed. I called on XX/XX/2020 and spoke with the supervisor who said she would inquire with the office which was supposed to issue the check and then she would give me follow-up call today regarding this matter but I have yet to hear from them. I requested on XX/XX/2020 that I should be paid interest on the funds I am still owed from Citibank since my CD matured on XX/XX/2020 and I still have not been paid the total money which I am owed, for a mistake that they made.

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 2020-05-18 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: U.S. BANCORP
State: MI

Complaint narrative:
XXXX XXXX XXXX sent {$1900.00} to U.S. bank on behalf of my wife XX/XX/2019 for my credit card. Us bank accepted the {$1900.00} however my account never reflected. Us bank asked us for research multiple times which we provided ( transaction id # account numbers names, everything ). Time and again they can't find the money they accepted, and can not help us. We have been making minimum payments since to avoid credit problems. If the account names and numbers don't match why would they accept it?!?!? Why are they dodging accountability?!?!?

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 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made a couple purchases with the card on accident. XXXX defaulted to the card on accident. I paid the two charges immediately when I saw XXXX did that. Closed card but they didnt close it Then I saw months later it happened again for XXXX. I was confused and thought what happened did I not pay the card or close it so I paid another XXXX which now over pays me. Then I get notice Im late so I make a chat with them telling them again close the card. The gentleman on the chat said he can not as it has fees. I had another chat with a woman and had to tell her multiple times close it. She finally closed one account. Then I find out the other XXXX balance account is still open today. Called again to close it. In the meantime they used the XXXX I paid to pay off a annual fee and are telling me my XXXX in purchases are over due charging me fee after fee after fee to XXXX. And refuse to epilate fees even though I overpaid my account

Company response to consumer: Closed with explanation