vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 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: CO

Complaint narrative:
Equifax and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX  partial account number XXXX. Equifax ; XXXX  and XXXX   are also reporting that I am ( 120 180 ) days past due on the XXXX partial account number XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MS

Complaint narrative:
The terms of my mortgage was changed by XXXX XXXX and then my loan was sold to Rushmore Loan Servicing ( XXXX ). They changed my loan from a 30 yr mortgage to a 35 yr loan. The interest rate is 9.63 %. I am being ripped off and taken advantage by both companies. 

XXXX XXXX XXXX ( XXXX ) XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days past due on the DEPTED/XXXX  partial account number XXXX. XXXX  ; XXXX  and Transunion are also reporting that I am ( 120 180 ) days past due on the DEPTED/XXXX  partial account number XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-04-21 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: CO

Complaint narrative:
XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the DEPTED/XXXX  partial account number XXXX. XXXX  ; Experian and XXXX are also reporting that I am XXXX XXXX XXXX XXXX days past due on the DEPTED/XXXX  partial account number XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I started a loan in 2005 to get into school for $ XXXX and its now $ XXXX. Ive paid the bill for years and they still wont lower my interest rate. I had a rough time getting my career going after school but Ive been a good borrower for the most part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX Chase sent me a letter cancelling the remaining balance on my account, a HELOC. 
The latter stated they would no longer accept payments on the account, and they would release any liens that may be associate with it and my balance will be reduced to {$0.00}. 

The letter also stated I may receive an IRS Form 1099-c Cancellation of Debt for the corresponding tax year, XXXX. I received the 1099-C in XXXX of XXXX for the discharged debt of {$110000.00}. 

My wife and I applied to a bank to refinance our first mortgage to a lower rate, and to take out some cash to pay the anticipated IRS debt and make some repairs. We applied in early XX/XX/XXXX. 

When the title company did a search with the county they discovered that the Chase debt had not been released and is still outstanding. 

As a result of the lien not being released, we are not able to close, however the IRS will want the taxes due because Chase sent them a 1099 C cancellation of debt. 

I contacted Chase on XX/XX/XXXX at XXXX x XXXX and spoke to an XXXX. 
She could not find any record of a lien cancellation and said she would refer it to a supervisor. She advised me to call back the next week. I followed up with calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I finally spoke with a supervisor. A Mr. XXXX XXXX on XX/XX/XXXX. His number is XXXX. 

He was at a loss to explain what has happened to the lien release. His best explanation was the company had thought the lien release was already sent in XXXX ( it was not because they kept contact me for a resolution until early XXXX ), and therefore did not think it was necessary to send another one. He said he would request a lien release be sent on a rush basis. 

As of today I have not received the lien release nor has my title company. The title company has also made several requests. 

I am not able to close on my refinance because Chase has not released the lien like they said they would, and my wife and I are in danger of losing my low rate or having to pay rate extension fees to keep the rate until this gets resolved. 

I also may have a tax liability to the IRS for the 1099 C Cancellation of Debt, on a debt that has not been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
US XXXX was supposed to send my unemployment debit card on XXXX. As of today, i have not received. I have called 35 times in the last month and after waiting over 2 hours each time, the call disconnects. I have written the Senator a week and a half ago with no response. I have 8 unemployment claims that have been approved by the state, i am unable to access funds due to no card!

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 2020-04-21 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: TX

Complaint narrative:
ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Citibank is exploiting the corona crisis to fire support staff and hang up on people. Phone support automatically hangs up. The website automatically logs you out. This didn't happen on XX/XX/XXXX It is almost impossible to pay a credit card which Citi wants to collect more late fees. More fees, less employees -- - profit off of a pandemic.

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 2020-04-21 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: Alabama Housing Finance Authority
State: AL

Complaint narrative:
There is a global pandemic going on and daycares and schools were closed. I have XXXX kids that affected and I missed work without pay until I got the situation in hand. Money was tight and I was late in XXXX of this year. I have a mortgage and a small loan that was apart of the down payment on said mortgage. The main payment XXXX was paid but the small of XXXX was late. They didnt wait anytime to report it to the credit bureau. They were paid and I had to refinance to maintain everything. It was my understanding that during this hardship there would be more understanding and unity. XXXX in Alabama is the culprit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT

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 2020-04-21 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:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT

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 2020-04-21 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:
CHECK FOR XXXX 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: MI

Complaint narrative:
I got alert today from my complete id fraud protection alert email saying I open the bank account in the chase so I went to the chase bank to confirm they told me someone opens an online account on XX/XX/1920 chacking and saving they told me someone hack my old information from chase inactive account I called three credit bureau and inform them already and I am reporting to FTC I don't know what ells to do need help please thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I received a notification email from Bank of America about an abnormal online transaction. I quickly logged onto my account and found that there had been multiple abnormal transactions between XX/XX/XXXX and XX/XX/XXXX, transferring my money to the same recipient, who I don't know at all. I quickly contacted the fraud department of Bank of America and filed a claim. 

This morning I called the customer service and was told that my claim was denied based on their analysis. While I asked for more details about their analysis, the customer service just told me that the analyst asserted that notification text messages had been sent to my cell-phone regarding all the transactions I claimed for fraud. However, I checked with my mobile service provider and confirmed that there were no text messages from Bank of America notifying me any of those transactions.

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 2020-04-21 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: NE

Complaint narrative:
A collection account was removed from my credit on XXXX. However, my credit score only increased by 5 points. It should have increased by 23 points, since a collection account was removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: TX

Complaint narrative:
ftc violations

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 2020-04-21 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:
ftc violations

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 2020-04-21 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: GA

Complaint narrative:
Hello and humbly thank you for your support and or assistance. It means a lot to have you working during this crazy time in our country. I'm a little emotional as I type this complaint because I do not complain about anything. Last year XXXX  I began to question the accuracy of the reporting on my credit report due to a bankruptcy listed on my public record. I followed a strict process to doing what the law requires as to validating this information. XX/XX/2019 I reached out to ask The United States Bankruptcy Court XXXX District of Georgia clerk office if they have anything to do with sharing information with the bureaus. They responded to me that they do not report anything to either Transunion, XXXX, or XXXX. They do not report to any third party sources anything about the status of a persons public record pertaining to bankruptcy 's ; however, XXXX  transunion as well as XXXX  have all stated that their reporting is accurate. The challenge is XXXX  is spelling my name 100 % incorrect on my report and I have addressed this with them before. I have all of the certified letter receipts from mailing them off. I must have mailed 30 letters of the same matter with little to no results. With that in mind it would be impossible for these companies to state they have verified this reporting as accurate when the clerks office can not and will not confirm or deny the claim as a first hand source. Its been almost a full year that they have been breaking the law ... I have requested time and time again sending them the proof of what the clerk office sent me to show them that it is  impossible that they can use their 3rd party source as accurate. Also XXXX  matches my social with a name that isn't 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 2020-04-21 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: GA

Complaint narrative:
Hello and humbly thank you for your support and or assistance. It means a lot to have you working during this crazy time in our country. I'm a little emotional as I type this complaint because I do not complain about anything. Last year XXXX  I began to question the accuracy of the reporting on my credit report due to a bankruptcy listed on my public record. I followed a strict process to doing what the law requires as to validating this information. XX/XX/2019 I reached out to ask The United States Bankruptcy Court XXXX District of Georgia clerk office if they have anything to do with sharing information with the bureaus. They responded to me that they do not report anything to either XXXX, XXXX, or Experian. They do not report to any third party sources anything about the status of a persons public record pertaining to bankruptcy 's ; however, XXXX  XXXX  as well as Experian have all stated that their reporting is accurate. The challenge is XXXX  is spelling my name 100 % incorrect on my report and I have addressed this with them before. I have all of the certified letter receipts from mailing them off. I must have mailed 30 letters of the same matter with little to no results. With that in mind it would be impossible for these companies to state they have verified this reporting as accurate when the clerks office can not and will not confirm or deny the claim as a first hand source. Its been almost a full year that they have been breaking the law ... I have requested time and time again sending them the proof of what the clerk office sent me to show them that it is impossible that they can use their 3rd party source as accurate. Also XXXX  matches my social with a name that isn't 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 2020-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
On our XXXX XXXX  credit card statement, there is a line that reads : Paying Interest and Your Grace Period : We will not charge you any interest on your purchase balance on this statement if you pay your new balance amount in full by your payment due date. 

On our XX/XX/20 statement, the new balance was {$480.00} with a due date of XX/XX/20. 
We made payments of {$480.00} on XX/XX/20 and {$300.00} on XX/XX/20. 
This totals payments of {$790.00} prior to the XX/XX/20 due date. 

We should NOT have been charged interest on our XX/XX/20 statement but were charged {$2.00}.

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 2020-04-21 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE SEVERAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THE BELOW ACCOUNTS, SO PLEASE AMEND THE PAYMENT HISTORY TO PAID AS AGREED/NEVER LATE

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