vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
XXXX XXXX Fri, XX/XX/XXXX at XXXX PM alert shows Im a possible data breach victim. Demand is Made to DIVERSIFIED ADJUSTMENT SERVICE, INC. for verification of my signature ( the same on my Texas Driver License and Form XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX that I signed on XX/XX/XXXX ) that matches my signature that authorized commencement of the alleged XXXX past due payment. 

My attached XXXX, XXXX and XX/XX/XXXX XXXX XXXX summaries display the following Bill summary Total amount due : {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} Please note the following XXXX alert sent to me : XXXX XXXX : We found your info in another company 's data breach. XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX PM Hi XXXX, XXXX XXXX XXXX Identity Monitoring service routinely checks to see if your email has been in a data breach. It looks like your personal data may have been compromised, not at XXXX XXXX, but in at least XXXX data breach affecting another company. 


It's not safe to use these passwords Stop using them ASAP especially for accounts that have sensitive info ( like your banking app or email ). 
Exposed password ke*** Exposed password XXXX XXXX data breaches Review the breach details to see what happened and what you should do about it now. 

XXXX XXXX Reported XX/XX/XXXX XX/XX/XXXX XXXX Reported XX/XX/XXXX User Device XXXX Addresses Reported XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Emails Reported XX/XX/XXXX Data Enrichment Exposure From XXXX Customer Reported XX/XX/XXXX XXXX XXXX XXXX/ XXXX Reported XX/XX/XXXX Marketing Database Leak Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX SMS Spam Database Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX AP XXXX XXXX XXXX XXXX List Reported XX/XX/XXXX XXXX XXXX XXXX XXXX List Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Voter Database Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXXXXXX Reported XX/XX/XXXX XXXX XXXX XXXX Spam List Reported XX/XX/XXXX Email Data List ( Email List ) Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Spam List Reported XX/XX/XXXX XXXX XXXX XXXX Feed Spam List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Systems Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX 2013

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: CT

Complaint narrative:
FRAUDULENT APPLICATIONS WAS SUBMITED TO  XXXX SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO  FRAUDULENTLY OBTAIN GOODS OR SERVICES THE ADDRESS USED WAS : XXXX XXXX XXXX XXXX OHIO XXXX PHONE NUMBER XXXX XXXX ) XXXX THIS IS NOT MY 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 non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and my wife and I applied for a mortgage with Chase Bank to buy an investment property. We were given a pre-approval letter and we assumed that we were ready to start looking. Our real estate agent helped us locate, make an offer, and get a contract on a property at XXXX XXXX XXXX XXXX, TN. 
On XX/XX/2021 we received an email from one of your employees claiming that we were ready to close and a closing date was set up. We then began making accommodations and ordering inspections on the property assuming we had the funding. 
We attempted to contact the agent XXXX  on XX/XX/XXXX, we didnt receive any response. On Monday XX/XX/XXXX we then found out he was on vacation. At that point we where informed that the person who was in charge of our file while he was out was also on vacation. We finally got in touch with their supervisor XXXX XXXX and discovered that we did not have sufficient documentation to close on the property. Now we are being told that there is a ninety-eight percent chance that our loan will be declined, due to being self-employed. 
I feel as though Chase Bank has mislead us into thinking we could do something we apparently could not do. Now we have not only wasted our own time, but we have also wasted our personal real estate agents time, the sellers agents time, and the sellers time because his house couldve been on the market this entire time. We have also wasted thousands of dollars with inspections and furniture purchases for this property. I feel that we have been abused by Chase Bank because of the ineptitude of their employee. The supervisor even went as far as to say he felt we could afford the property but for whatever reason it seems we will be denied the loan. 
No one has apologized for the inconvenience this has caused not only myself or the other people in this transaction. I expect for Chase to follow through on your commitment for funding that your company initially offered, and I am asking the Banking Commissioners for both the state of Tennessee and Florida to investigate the matter. 
Please feel free to contact me by email at XXXX or by phone XXXX. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Synovus Bank
State: WA

Complaint narrative:
I was going to close this credit card because I no longer needed it but I ended up calling back and requesting to keep it under the advise of the credit repair guy. I called to make sure I had the right address and the website had the wrong address. The reason I was going to close it is because of the difficulty and expense of getting a payment in securely. I alerted the representative to the fact that the addresses were different and he was not concerned about it? I sent in the money order and did not put tracking on it, big mistake. I sent it in on the XXXX of XXXX and it was cashed on the XXXX of XXXX. First Progress said I needed to send proof so I sent the money order number and my receipt. They then told me I needed to send the other side of the money order so I attempted to fax it an entire day at XXXX until at the end of the day it finally went through. I have 11 pages proving that I was trying to fax from XXXX The first fax went right through? When I called the following day the said it was not sufficient? 
The money order was made out to them and it was cashed in the same amount of time as the prior payment. I thought the number of the money order is how they would know if my hand writing or any other detail was wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
I know you don't know me from a hole in the wall but I am in desperate need of some help after reading your article, I figured you may be able to help. 

I live in XXXX, MA and I have an FHA mortgage with Flagstar Bank. My husband and both lost work due to the pandemic and welcomed a baby boy in XXXX of 2020 who was in the NICU for several weeks. 

I filed the loss mitigation application and was approved. As of XX/XX/XXXX, we have been out of the forbearance plan and followed the instructions to put the lump sum at the end of the loan. We are both back working and can afford the monthly payment. I submitted a 4 month payment as a sign of good faith in XXXX ( {$20000.00} ) and paid XXXX 's mortgage which is {$4000.00} but I paid {$4200.00} to show I can pay more if needed. 

I was originally denied the first loss mitigation and appealed it with all my documents of my son 's birth, his hospital records, loss of income from myself and my husband and the documents showing we are both working, pay stubs, ect. 

As of today I called and was told the appeal had been denied and that the loan will go into foreclosure. They couldn't give me a timeframe but told me I had no other options unless I could come up with the past due amount of {$80000.00}. I am 7 months pregnant with a toddler and can not lose my home. I have nowhere to turn. The state of MA has a program called RAFT that I've applied for but is only XXXX. I don't know what to do. How can they do this? I'm sure there are many people in my situation and I don't know what to do. 

Please help.

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 2021-12-07 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: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
I recently ordered my credit reports and numerous accounts that do not belong to me was discovered which means I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Ally Financial to have the inquiry removed from my XXXX account on XX/XX/XXXX, Have not received a response. I am requesting these inquiries be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A wire transfer was initiated from XXXX bank to my business account with Chase Bank on XX/XX/2021 for the amount of {$50000.00} in order to close escrow on a new business. The funds cleared XXXX bank immediately. When we noticed later that day that the amount didn't go through, we called Chase. The representative didn't have an answer but told us to use the XXXX XXXX XXXX. We then sent a message on XXXX/XXXX with the needed information - that message still hasn't been returned. Each day since, we have called and messaged Chase without any concrete response or next steps. If we are unable to have our transfer by tomorrow, we will fall out of escrow and lose our business. Currently, Chase is holding {$50000.00} of ours and will not get back to us in any shape or form. This is devestating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXXE data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
I recently ordered my credit reports and numerous accounts that do not belong to me was discovered which means I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
I recently ordered my credit reports and numerous accounts that do not belong to me was discovered which means I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: EQUIFAX, INC.
State: CT

Complaint narrative:
FRAUDULENT APPLICATIONS WAS SUBMITED XXXX XXXX SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT XXXX  FRAUDULENTLY OBTAIN GOODS OR SERVICES THE ADDRESS USED WAS : XXXX XXXX XXXX XXXX OHIO XXXX PHONE NUMBER XXXX XXXX ) XXXX THIS IS NOT MY INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
FRAUDULENT APPLICATIONS WAS SUBMITED XXXX XXXX SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT XXXX  FRAUDULENTLY OBTAIN GOODS OR SERVICES THE ADDRESS USED WAS : XXXX XXXX XXXX XXXX OHIO XXXX PHONE NUMBER XXXX XXXX ) XXXX THIS IS NOT MY 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 non-monetary relief
Consumer complaint received 2021-12-07 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: IL

Complaint narrative:
I Reviewed my credit report on or about XX/XX/XXXX and noticed that it was several acccounts on my credit report that I did not recognize. I contacted the three major credit bureaus to get more information and I was instructed to dispute the information and I did they all responded with letters stating that the accounts were verified. I called each credit bureau individually and explained that the account were not opened by me and I had not given any autorization to anyone to open any accounts with my personal information. I was directed by each credit bureau to file a Identitiy theft report along with a police report with my local police dept. I sent them all the information requested on XX/XX/XXXX certified mail and they explained it would take upto 30 days to review the information and respond, on or about XX/XX/XXXX I called to follow up and Experian and XXXX XXXX said they never received anything the said to resend and XXXX received it but stated all accounts were verified and I would need to send in the documentation again for re-investigation. On XX/XX/XXXX I noticed some things had been deleted from XXXX and XXXX XXXX but not all that was detailed in the FTC identity theft report and police report and Experian nothing was deleted and I never received a response letter.

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 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Dear, XXXX XXXX XXXX XXXX  i get my XXXX XXXX check on XXXX Wednesday of each month to cover my mortgage payment that was setup Autopay with XXXX to be deduct XXXX of each month for some reason they changed on XXXX and cause NSF on my bank paid {$35.00} and XXXX for {$15.00} total of {$50.00} that shouldnt happened in the first place and I had to call them why they did I can not get an answer I want to know why It changed and are they going to draft my payment on XXXX of each month including XXXX payment and credit the {$15.00} at their end and pay {$35.00} to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My wife tried to use my Dicks rewards points when making a purchase without me at the store. 

My wife thought my dicks rewards covered the bill, but the store clerk supposedly opened up a credit card in my name without my approval or being present. My wife did not ask to open a card. This is illegal! 

I had no idea a card was open in my name with a {$150.00} balance. I did not know I had the card for a while till I opened up a bill later from dicks. I called dicks and reported the card as fraud, asked it to be cancelled. 

After working with fraud department and and talking to my wife I figured out what happened. 

My wife is an XXXX not a XXXX XXXX XXXX XXXX  She can afford to buy anything she wants. 

Synchrony told me that they would freeze the account and may reimburse me. 

I the end, I ended up having to pay {$240.00} for a {$150.00} bill on a card I did not open or want to stop the synchrony fees. 

I could not pay the card balance while the fraud investigation went on per Synchrony, but they stuck me with fees at the end. 

A store employee should not be able to open a credit card in someone's name without their approval or being present. 

Synchrony should not assess fees and interest on a card I can't pay off in an investigation.

Synchrony should not have wasted many hours of my time in phone loops, back and forth between their teams and hang ups. 

I was ripped off.

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