vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Credit report shows a balance for XXXX insurance. My XXXX insurance account auto policy XXXX was closed and paid in full XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XX/XX/XXXX XXXX a check in the amount of XXXX was mobile deposit into my account it showed a non credited deposit transaction. So I called customer service about the check that was mobile deposited into my account. And customer service informed to redeposit the check into the my account and therefore I did. I was under the assumption that all transactions was credited correctly due to there notification I went to purchase food for dinner on the XXXX of XX/XX/2020 and my card was declined therefore I called the bank customer service and they informed me that I owed them money due to the mobile check deposit transaction. I now owe the bank money {$1300.00} As of todays date I never received any notification of me owing them any money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I keep having problems with Experian. In fact this is the only company I have had this many problems with! They stopped reporting my XXXX XXXX  information and when I called and asked XXXX they said the reported to everyone. I asked them to submits it again to Experian. So they did .... My score went down 11 points! How? They raised my credit limit from XXXX to XXXX for good credit. Other credit reporting agencies have me in the high 6 and 700 range. EXPERIAN HAS ME IN THE LOW 600s! I'm trying to buy a house! Its so silly. My credit limit on my 2 cards is XXXX Experian still has it at XXXX. Help me please

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 2020-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Ive attempted to dispute this item SANTANDER numerous of times with XX/XX/XXXXasking them to verify this Debt. After over 60 days they still failed to show me how they verified this debt belongs to me. This is unfair to me and my children because this item is the only thing that's holding us back from closing on our home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2020-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX - and XX/XX/XXXX I wrote each credit bureau and asked them to verify the debt. I don't recall getting a response or updated credit report as requested so I sent a letter directly to XXXX. 

On XX/XX/XXXX I asked XXXX for debt validation because they were reporting a charged-off account to credit bureaus. As a result of doing some research, I learned that UCC laws may not have been followed making this reporting unverifiable and inaccurate. I faxed a debt validation letter to XXXX ( attached with proof of fax delivery ) and after 30 days I have not had a response from XXXX or from XXXX XXXX or Transunion and the account in question is still being reported ( I saw the information on both MyFICO and Identity XXXX ( attached ). I want this deleted because ( 1 ) the XXXX reporting is inconsistent or incomplete ( 2 ) XXXX did not respond in 30 days AND ( 3 ) XXXX provided no documentation they met UCC laws.

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 2020-11-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX - and XX/XX/XXXX I wrote each credit bureau and asked them to verify the debt. I don't recall getting a response or updated credit report as requested so I sent a letter directly to XXXX. 

On XX/XX/XXXX I asked XXXX for debt validation because they were reporting a charged-off account to credit bureaus. As a result of doing some research, I learned that UCC laws may not have been followed making this reporting unverifiable and inaccurate. I faxed a debt validation letter to XXXX XXXX attached with proof of fax delivery ) and after 30 days I have not had a response from XXXX or from Equifax Experian or Transunion and the account in question is still being reported ( I saw the information on both MyFICO and Identity XXXX XXXX attached ). I want this deleted because ( 1 ) the XXXX reporting is inconsistent or incomplete ( 2 ) XXXX did not respond in 30 days AND ( 3 ) XXXX provided no documentation they met UCC laws.

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
For the past 7-8 weeks US Bank ' Debit Reliacard locked my card for absolutely no reason. They said I tried to change my address which I keep telling them repeatedly that I have not changed my address information, I have lived here nearly 3 years. So they keep asking to see my ID and I tell them I don't have one, I have always been self employed by my father and never needed one. Which they don't have a right to ask for an ID in the first place considering their website says you only have to send a photo of your ID if you verbally verify that you tried to change your name, or address, or birthdate, or social security number. I log into my account and of course all the information is the same as it was when I got the account in XXXX. I even sent them a photo of a piece of mail I received XX/XX/XXXX from the IRS with my address, last four numbers of my social and my name.. They said that was a good enough reason to believe I never requested an address change and the card would be unlocked today. Sure enough, I call back and it's more violations and more fraud on their end. I usually end up talking to the same female, she once said she was a manager.. And then today she says she isn't.. her supervisor or manager is not there. I recorded these past two conversations. I literally made 4 transactions with the card and they shut it off for no reason and can't seem to give me a valid reason at all why. They just keep lying and violating their legal policies posted on their website. I have 4 kids and a broke down vehicle and I can't access money that belongs to me. They have been doing this to several thousand innocent people who really need access to their money right now. Please help my family. Thank you.

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a US Bank Reliacardin the mail in the week of XXXX XXXX, 2020 and did not request the card. I can not get through to anyone at US Bank to make sure it is not active. This looks exactly like a legitimate Visa card but I read online that there is a fraud scheme issuing false employment benefit cards especially to retired people or those who may have been part of a past fraud scheme. 
I am working and was part of the XXXX  and XXXX frauds a year or so ago. 
I did not activate the card but began the activation process before hanging up, thinking that if I activated it I could finally contact someone to close it - then thought better of that move. 
How can I check to make sure this card is not active?

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 2020-11-19 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: TX

Complaint narrative:
ON XX/XX/2019 I SETTLED 3 ACCOUNTS WITH XXXX. BOTH XXXX  AND XXXX XXXX ARE REPORTING THE ACCOUNTS CORRECTLY EQUAFAX HOWEVER IS STILL SHOWING 2 OF THE ACCOUNTS OUTSTANDING AND DESPITE MULTIPLE DISPUTES REFUSE TO CORREBT THE INACCURAT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I Have an account with Capitol One in Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Tel No XXXX Account Number XXXX Routing number XXXX A withdrawal was done from my account. Contacted bank for more information. Bank indicated that the withdrawal funds came from XXXX. Advised bank that I only go to XXXX to search for friends not to purchase anything. In fact I did not know that you can buy goods at XXXX. Indicated bank to do an investigation. Bank refunded the funds before investigation took place. At a later Bank informed that they are taking funds again because they found that the funds came from XXXX. Bank refuses to give anymore information. I have not purchase anything In XXXX. Requested more information. Bank indicated that the charges are from XXXX no more information. I have a negative balance in my account. I changed account for another many incidents in the past that I will send a complaint after this one. If you need anymore information please to XXXX [

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America age discrimination on auto loan XX/XX/2020 loan amount {$26000.00}. 
Loan approved in XX/XX/2020. 
Loan denied XX/XX/2020 Credit score XXXX On time payments 500+ Semi retired never missed a car or mortgage payments Bank of America discrimination method is to discredit elders who pay bills on time. Bank makes more money on higher interest rate customers

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 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good afternoon .. back in 2016. I deposited XXXX with Suntrust Banking Still havent received a Bank debit card from Suntrust Banking.. Someone was able to activate my bank card and transferred XXXX, XXXX from my account : XXXX to Mr XXXX XXXX XXXX I wrote Suntrust Bank XXXX spoke on the phone with XXXX XXXX. Executive Services XXXX XXXX ( XXXX. XXXX XXXX XXXX XXXX XXXX me it was a joint account.. I have a receipt from Suntrust from 2016 from customer Services with my balance information Balance.. Legal Disclaimer individual account Thanks XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX ) cell

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 2020-11-19 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: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/2013 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-19 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: TN

Complaint narrative:
This account is FRAUDULENT / FRAUD. 
On XX/XX/XXXX at XXXX XXXX someone opened a fraudulent account in my name. 
This account is unauthorized and not of my knowledge. I reached out to XXXX XXXX to dispute this claim directly with them but the account remains on my credit report. 
I have been disputing this negative account since XX/XX/XXXX with a total of about 5 phone and online disputes and maybe 1 direct letter sometime after that through Experian. Experian keeps saying this : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. In every dispute I requested validation of my signature and documents pertaining to this fraudulent account that Experian insist is accurate. Experian has yet to provide me with any of my requests as my credit remains AFFECTED. This is also my second CFPB report containing a complaint about this same exact fraudulent account. If Experian can't provide a transparent method of verification showing the accuracy of this fraudulent account in my name through XXXX XXXX with my signature on legal documents THIS ACCOUNT NEEDS TO BE DELETED AND REMOVED from my credit file / report. This a VIOLATION of FCRA laws.

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 2020-11-19 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We sold our home on XX/XX/XXXX and had a mortgage with Chase Bank. We were currently on the Covid 19 Forbearance program which we believe we were approved for in XXXX of XXXX. We have moved into a temporary rental home with hopes to purchase our next home soon. 

We had just applied for a new mortgage approval as there is a few homes we are looking to make offers on, only to find out that Chase has us reported as being 120 days past due even though the report also states the loan was paid off. This reporting, is now preventing us to be approved for a new mortgage. 

We have notified Chase and was told that the forbearance program was not started until XX/XX/XXXX so worst case scenario we would have only been 30 days late. At the time we applied and was given the approval for the forbearance we were told this would not affect our credit. They had agreed that there was a mistake with the 120 day part and would try to have that fixed but could not guarantee they can fix the 30 day part. 

We have been faithful mortgage payers since XXXX and have never missed a payment or have been late on any mortgage payment ever on all our mortgage accounts. If we knew that we would have been affected, we would have borrowed money to make the last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: NH

Complaint narrative:
-On XX/XX/2020 I applied for a mortgage and my credit report was legitimately accessed by the mortgage company -It was discovered that my credit was significantly impaired due to a fraudulent delinquent item on my credit report -The charge in question for {$1700.00} was fraudulent, details as follows : XXXX XXXX, Account # XXXX, opened on XX/XX/2020 -Sent to collection XX/XX/2020, collection company : -XXXX XXXX XXXX, phone # XXXX XXXX XXXX XXXX  XXXX  repeatedly, they answered but hung-up each time upon transfer or otherwise -Called XXXX XXXX XXXX XXXX repeatedly and they hung up on me each occasion -Fraud report # filed under Experian : XXXX -Police report filed on XX/XX/2020 with our local police dept.

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 2020-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Our mortgage was sold to Freedom Mortgage. Upon transfer, we were immediately contacted by their mortgage broker, XXXX XXXX, who advised that they can refinance our mortgage to a lower rate saving us money monthly, all we needed to do was come off of the COVID forbearance plan. He called relentlessly until we provided the information. We provided them with the documentation necessary and they hit a snag where the previous mortgage company did not provide FHA with documentation to close out our loan properly. We were instructed to contact the previous mortgage company but were not told what was needed and provided a deadline of a week and a half to get the information. Since that time I have been calling XXXX and the mortgage company to get answers but to no avail. He has not returned any of our calls and one of the associates tried to reach him while on the phone with me but received no response. An email was sent to XXXX and his supervisor and we still do not have a response. It seems as if they were trying to get us off of the forbearance plan so that we can pay them and now they will not assist us in getting back on. This feels like a scam.

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 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I originally opened a complaint last year about XXXX XXXX taking funds out of my account without my consent. I contacted XXXX XXXX to fix things, and they claimed I had a 30 day period to cancel my service, and I wouldn't be receiving a refund. I then contacted my bank, and they gave me a temporary credit for a few days, then they took the money back, and gave me no explanation. I filed a complaint with CFPB, then I got a call from Chase Corporate, and never received a call back, or a resolution. No Explanation, case was never opened on my account. I have no idea where they went, or why it was buried. I've tried bringing it up to support, and have gotten nothing back from them either. So here I am again, filing another complaint. I have never used XXXX XXXX 's services. I simply visited for a tour. Nothing more, nothing less.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WI

Complaint narrative:
First payment was due XX/XX/2020. Per our previous lender XXXX XXXX who sold the loan ) we were to make that first payment through them, and we did ; they cashed our check XX/XX/2020 and advised they forwarded the payment to the new lender - BSI Financial - onXXXX. As of today, XX/XX/2020, XXXX claims they have not received the payment from XXXX. Today ( XX/XX/2020 ), after two previous attempts via phone in the past week, I was actually able to speak to someone at BSI and they kept repeating our account is past due, past the grace period, and they do not have the payment from XXXX. 

Additionally, we received notice from XXXX ( our previous lender ) on XX/XX/2020 that our loan had transferred to BSI. On XX/XX/2020 we received confirmation from BSI. A little over a month later, our account information is still missing Payee information for our Property Taxes and Homeowners Insurance. Also, the minimum amount due does not reflect the required amount to be paid into escrow monthly. Upon noticing these errors right away in mid-XXXX, I attempted to contact BSI via their websites " email us '' option, and received no response.

Company response to consumer: Closed with explanation