vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on my report. I than printed out a copy of my credit report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$75.00} XXXX  XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX {$830.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX {$2600.00} XXXX XXXX {$400.00} XXXX   XXXX {$300.00} XXXX  XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$830.00} XXXX XXXX {$93.00}

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 2020-06-12 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: OH

Complaint narrative:
My issue is with Transunion 's verification of credit items. The credit item was a car loan I was approved for in XXXX of 2016. Its reporting I made the loan a year later the same time frame. I am using XXXX XXXX   to challenge this negative report. The loan was for 72 months. I paid it off in 32 months. Its not even showing as a currently open account. 
This the third time I've had to use a credit repair company to reverse this negative type of reporting. I want to purchase a home and know my credit its n't this poor. My credit history isn't excellent, but its good by most standards even their 's. The same file according to XXXX  and XXXX  it is recorded as open and in good standing. I am just using this as an example because its recent history. I had a monitoring service through TransUnion and as a service for credit monitoring, they were difficult to deal with. It was hard to login to the service with my password and ID written down in front of me. I had to wait time calling their customer serivce number. Half the time they weren't helpful in resolving the issue of logging in. And I couldn't access the same paid-for account on multiple devices.

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 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On two separate occasions, TIAA bank has taken extra payments which they were specifically instructed to apply to principal, and instead applied them as ordinary payments ( mostly going to interest ). 

First occasion was a payment of {$20000.00} on XX/XX/XXXX Second occasion was a payment of {$10000.00} on XX/XX/XXXX Each time, they were contacted by phone either prior to the transaction, or the day of the transaction to clearly indicate the disposition of the payments. 

I believe they are knowingly cheating consumers and engaging in deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM REPEATEDLY FINDING MYSELF FIGHTING TO REGAIN MY PERSONAL IDENTITY ... ..The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. ACCOUNTS THAT DO BELONG TO ME THEY WON'T REPORT AND THEY KEEP LISTING THESE FRAUDULENT ACCOUNTS THAT WERE PREVIOUSLY REMOVED SOME HOW THEY MAGICALLY FIND THERE WAY BACK ON TO MY REPORT : US DEPT OF EDXXXX ACCT # XXXX {$16000.00} ACCT # XXXX {$5100.00} ACCT # XXXX {$3300.00} I HAVE NOT TAKEN ANY SECONDARY EDUCATION AND HAVE NEVER APPLIED FOR ANY STUDENT LOANS AND ALL OF THESE STUDENT LOANS WERE PREVIOUSLY REMOVED AND DELETED. NOBODY HAS CONTACTED ME IN REGARDS TO THIS MATTER FROM AND EDUCATION COMPANY!!!! HOW IN THE XXXX DOES THIS CONTINUE TO HAPPEN!!! I AM JUST TRYING TO PUT MY LIFE BACK TOGETHER!! REMOVE AND DELETE THESE 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 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/20, my wife and I applied for a mortgage with Chase. Our combined credit score is XXXX each. We entered our income and home information up front. 
{$230000.00} home value with {$210000.00} financed. We have income at {$110000.00} per year and low debt. We qualify for the loan. Even knowing this information Chase proceeded to pull our credit and proceed with the application even though they are now refusing any non 20 % down loans. Knowing they are only taking 20 % loans they should have stopped the application immediately. Instead a hard credit was pulled on my wife and myself for a loan Chase doesnt even offer. 
Why is chase the only bank not offering other loans? 
Why are they wasting my time if we dont qualify? 
Why was my credit pulled if we dont qualify?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from 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 2020-06-12 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
My AMEX Credit Card company placed my card in protected status for XXXX and XX/XX/2020, after I threatened to speak with the Maryland State 's Attorney Office as they were not working to provide any type of forbearance or deferment plan due to my financial hardship experienced due to the COVID-19 health situation. It was only when, in XXXX that I had called and spoken with a rep threatening this action on my part, that I called back a few days later and was informed that my account had been placed on protected status. I was not given any prior notice of this action and had I not called back, I likely would have been unaware that this action had been taken on my behalf. I called back every month near the date of my scheduled payment, theXXXX, to update AMEX on my financial status without further issue. When I called back at the end of XXXX, I was informed that AMEX could not extend protection for XXXX as it would overlap with XXXX, and to call back closer to my XX/XX/XXXX payment due date to see what options were available at that time. I called AMEX around XXXX XXXX, and was informed that my protection was either no longer active or was to be inactive that week, and was presented only with an option to enroll in a lower payment plan but I had to make a payment that very same day. I informed due to the COVOID-19 crisis, I would like to have the month of XXXX deferred so I could begin making payments in XXXX, as I anticipated that I would be gainfully employed by that time and able to make more than the minimum payment without issue, but I was still experiencing financial difficulty at that time. I was informed that AMEX had no option to forbear or defer any payment at this time. I was then called about a day or two after that call from AMEX asking if I could make a {$100.00} payment to bring my account current. I informed I could not for the same reason as the previous call. They then asked if I could make a {$60.00} payment, and I repeated the same information. I then informed AMEX I would be filing a complaint with the CFPB regarding this issue. They abruptly thanked me and ended the call without further discussion or interest in alleviating my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$350.00} XXXX  XXXX {$460.00} XXXX  XXXX  XXXX {$580.00} XXXX XXXX {$18000.00} XXXX XXXX {$1100.00} XXXX, XXXX   XXXX {$930.00} XXXX XXXX XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$66000.00} XXXX/XXXX  XXXX {$640.00} XXXX XXXX {$810.00}

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 2020-06-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I reviewed my credit report and saw a bankruptcy on my report. I disputed this as inaccurate information and asked for proof of confirmation which I never received. I have never filed bankruptcy and never lived in SC. I am the victim of identity theft and had fraud alerts placed on my report. I have disputed this countless times to no avail and this is causing me financial stress and hardship. I disputed and had removed from other bureaus but Experian and XXXX  is still reporting inaccurate information.

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 2020-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I was approved for a loan with Speedy Cash for {$2500.00} on XX/XX/XXXX of XXXX. I made the following payments XX/XX/XXXX - {$740.00} XX/XX/XXXX - {$740.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$12.00} XXXX - {$740.00} XX/XX/XXXX - {$12.00} For a total of {$2200.00} dollars in payments. With the Covid-19 virus and XXXX kids in college I was not able to keep up the {$740.00} so this account went to collections with XXXX XXXX XXXX XXXX XXXX. The total that they claim that I owe is {$5800.00} for a loan that started at {$2500.00} and after making {$2200.00}. This is definitely predatory lending with outrageous fees and interest rates. I called XXXX XXXX and asked for a settlement however they said that I would have to pay {$4400.00}. There needs to be a fair settlement that both sides can agree too. At this rate I will be pay {$8100.00}. This is an 800 % interest and this should never be allowed with any company. I am willing to make a {$2000.00} payment and be done with this account. Another {$5800.00} is predatory lending and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I paid lvnv funding on XX/XX/2020 XXXX as payment in full towards a XXXX  XXXX XXXX credit card balance of XXXX. The agreement was the settlement would mark the item paid in full. To date this has not been removed from my credit report. They have advised that the deletion was sent to the credit bureaus- however I have confirmed with all three that they have not received it. I have since tried to call and resolve this with them they will not help me I have requested supervisors and they will not allow me to speak with anyone who can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$240.00} XXXX {$3200.00}

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 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
due to the fact that i have limited internet connection and access to a computer i am asking Bayview and XXXX to send copies of their responses via US mail. i included an email address in my complaint thinking it would make it easier, if Bayview and XXXX can make a note to send a hard copy in their file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: BANK OF THE WEST
State: UT

Complaint narrative:
Bank of the West : XXXX XXXX I paid this account off almost a year ago and they are still reporting and updating my credit report with an open balance.The company is currently in violation. This needs to be fixed immediately. This has been negatively affecting my credit score over this past year. Remove this negative account off of 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 2020-06-12 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: ProCollect, Inc.
State: LA

Complaint narrative:
I called to make a settlement of 50 % of the account and they refused to take the 50 %. I was then screamed and yelled at about not having money to pay for something she thought was " reasonable ''. She then proceeded to hang up in my face and refuse to answer the phone for me to make the debt. I tried explaining to her my position and she continued to bagger me about me and demean my character. Very unprofessional, very nasty and rude! Never sent any settlement information for the settlement that was discussed " XXXX $ '' trying to hassle more money out of me than that apartment is worth. XXXX plus dollars! They keep saying the offer still stands for 48 hours, and then the next offer they give is the same amount, after the 48 hours. But they don't want to give me my original quote!

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 2020-06-12 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$870.00} XXXX {$760.00} XXXX {$6600.00} XXXX XXXX XXXX {$170.00} XXXX  XXXX {$15000.00} XXXX {$13000.00} US DEP EDXXXX {$6600.00} XXXX {$760.00} XXXX {$5200.00} XXXX {$18000.00} XXXX {$2200.00} XXXX {$420.00} XXXX {$28000.00} CHAPTERXXXX BANKRUPTCU DISCHARGEDXXXX {$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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
cash app has my personal funds held. it won't allow me to send or use any funds. i reacted out to them and sent multiple emails and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I fell a victim to an online scam. I applied for a job with a non-profit organization through XXXX. The company reached out to me for an " on-line job interview. '' After interviewing, which had seemed legit at the time, I received a job offer the next day from the company 's email address directly. I signed it back, informed the " interviewer '' that I sent over the signed letter. One thing they had stated was that they would send me a " start-up check '' of an amount : {$2400.00} to purchase start-up equipment. This was supposed to be a work from home opportunity. I had never received an on-line check before, so I called the bank it was issued from to confirm it was a valid check and safe to use. They were able to confirm that it was a real account and seemed accurate. I went ahead and deposited it. After receiving strange requests from the " interviewer '', who would have also been my " supervisor to report to, '' I felt odd. This person was telling me things such as to go to an ATM machine and withdraw money that they wanted me to put into a bitcoin account via a XXXX ATM. I called Chase bank right away to inform them that something strange was happening. I wanted them to cancel the check I had deposited, however, I was told they were not able to do that. They instead advised I go into a bank to close the current account to protect my money. I did. The banker created a replacement account for me. A day later I tried to make a purchase because I thought everything was fine. The purchase was declined. I called Chase only for them to tell me that my accounts were being closed and that they can not bank with me in the future. They are not giving me any reason, explanation, and claim that they do not have any records of me creating this new account because it was a replacement so it shows as if it were opened years ago with the rest of them. They have not at all been helpful. I called the Federal Trade Commission to inform them of all parties involved in the scam. If needed, the reference number is XXXX XXXX XXXX. I am very worried this will affect my ability to bank with another party. Please advise. I am at a total loss and I am worried, angry, and upset. 

I also reached out to the organization that " hired me '' on their XXXX page. They informed that it was a scammer that they were trying to stop. I sent them every screenshot, email address, and the image of the check that was sent to me. I am not sure if those would be helpful to you, but please let me know if it is needed. I would be happy to provide all proof.

Company response to consumer: Closed with explanation