vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I became aware of this just days ago that the foreclosure mill XXXX XXXXXXXX XXXX of XXXX Mass is in control of the auction house about to Illegally take my home on Tuesday XXXX XXXX, XXXX for profit. JP Morgan Chase Bank, NA has hired XXXX to illegally sell my home. This is all a profiteering scheme to steal homes. I am XXXX yrs old, XXXX, indigent with limited education. The ATTACHED is proof that the foreclosing law firm XXXX XXXX, XXXX of XXXX is the administrator of this XXXX XXXX XXXX XXXX XXXX for Profit. 

THIS IS NOT A DUPLICATE -- -- -- -- - THIS IS NOT IN LITIGATION This is a premeditated scheme to steal homes with the goal of profiteering while abusing me and again this is abuse by Chase Bank by this XXXX, senior whom recently had XXXX XXXX. This is a violation of President Trumps senior abuse prevention law. 
On XX/XX/XXXX. XXXX, President Trump signed into law the Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), identifying the need for data on elder abuse. ... The law also enhances the Elder Justice Act and ensures that XXXX XXXX XXXX  can be used to protect the safety and dignity of all seniors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
On XX/XX/21, an email was sent to portfolio recovery services to validate a debt that I have been disputing. They sent me a letter declining to validate the debt altoge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: TX

Complaint narrative:
The CFPB closed my previous case WITHOUT MY COMPLAINT BEING APPROPRIATELY ADDRESSED! The Fair Credit Reporting Act ensures that fair and accurate information be recorded but Transunions credit scoring is not only unfair and inaccurate but they still have not demonstrated why it claims my poor credit scoring is due to too many derogatory and delinquent accounts and I can not find one. Their credit scoring and summary is damaging to me personally and diminished my lending opportunities of getting better rates, shopping credits or any loan.

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 2021-10-03 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:
Chase has allowed several checking accounts and one credit card opened in my name within their system. After alerting them to the issue, and them closing the fraudulent account they continue to allow these individuals to open accounts in my name. I had even placed a freeze through XXXX and it seems that chase 's system does not utilize any proper security systems. It appears that they do not want to change their system. This is why I'm providing this complaint to you. 

let me know if you need further documentation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
I was to receive a XXXX bonus from Key bank for opening a new checking acct and making a direct deposit of XXXX which I did on XX/XX/21. No XXXX bonus. Its impossible to call them.. On hold forever and when I did get someone she kept telling me I had to keep holding. They are EXPERTS in terrible customer service. Hard to talk to a person. Bank manager could not help! I opened the acct online with the code # for the bonus auto. filled in on application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
The outstanding balance on my mortgage has been below 78 % since XX/XX/2021. My mortgage service company in a previous phone call indicated that this would happen automatically. Now after not doing this, they are saying I have to fill out a form. My understanding is that they are obligated to remove PMI when my balance is below 78 % of the original purchase price of the home. 

My mortgage servicing company is RoundPoint Mortgage Servicing

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 2021-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I have had disputes with my landlord and their is a history of the landlord harassing me. This attempt at collection is another example of it. I have asked by phone and in writing for them to provide me a copy of the electric bill that they say I owe that shows usage and the dates the bill covers. They have failed to do so. 

I have also requested a copy of the lease that I signed that shows what they are basing the termination charges on, and so far they have failed to do that. 

They have reported this debt to the credit bureaues in an attempt to ruin my credit. I have been disputing this debt for two years by phone and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: DE

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME. ATTENTION I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, EQUIFAX, AND XXXX CRA & # XXXX, XXXX. On XX/XX/2020, I MAILED EQUIFAX, XXXX AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTIFY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND OR FAILED OR REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INVESTIGATION FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: CITIBANK, N.A.
State: VA

Complaint narrative:
The account has been paid in full and the {$260.00} in late payment fees have been " charged off '' per the rep XXXX who we personally spoke with. 

The negative credit reporting is still showing on our 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 2021-10-03 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I would like to make a complaint about Barclays Bank US. My access to my bank account has been restricted online. As a result of my restricted access, I was late to make the payment last period. When I called the company, they asked for my address and I told them that I used to live in New York, but I recently moved for school. They said that since I was not able to provide me with my information since I did not have the address. When I aske I can make a payment since my account is blocked online, I got conflicting answers. Given the issue, I had a few follow up questions, but the person speaking to me on the phone had a very condescending tone and and refused to be any helpful. Every time I tried calling back, I had to wait over an hours on the wait line. The person who answered the phone was the same person and kept giving me mixed answers. They asked my to send them documents, which I did, but my access is still blocked. It is impossible for me to get hang of anyone since there is an hour wait and no call back option. Last time I called the customer service representative hanged up on me ever thought it took me more than hour to wait for the call. The company refused to deal with a simple change of address and blocked my access and and as a result, I am unable to make payments.

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 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have filed complaint after complaint regarding TRANSUNION and its actually going on approximately a year without resolution and I can only see hiring an attorney in my near future. The last complaint filed returned a response to mail in ( mailing address included ) verification of my identity to UNFREEZE MY CREDIT ACCOUNT!!!!! I sent them 15! Pages of documentation proving my identity to stated address and Once Again, TRANSUNION just sent me a copy of my credit report! WHAT IS WRONG HERE? Next stop for TRANSUNION is to reimburse me for attorneys fees!

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 2021-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
- The company refuses to address a XXXX XXXX XXXX complaint and XXXX XXXX XXXX has reversed any charges from my account as well. 

The bank is Comenity Bank and the card is XXXX XXXX. I asked XXXX to close my account and they refuse to do so. XXXX took action by crediting my account and is consumer-friendly but Comenity Bank refused to do so. 


Business Name : Comenity Bank Address : XXXX, OH XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: FL

Complaint narrative:
I DISPUTED INFO EQUIFAX HAS ON REPORT. SPECIFICALLY " PAID CHARGE OFF '' STATUS. THE DISPUTE WAS ANSWERED WITH " ACCOUNT CLOSED '' XXXX BAL. THEY SAID THAT ANSWERED MY DISPUTE OFF " PAID CHARGE OFF '' CLOSED IT AS UPDATED BY CREDITOR. THE " CURRENT ACCOUNT STATUS STILL SHOWS " CHARGE OFF '' WHEN I SAID SINCE THAT ANSWER THEY PROVIDED CLEARED MY DISPUTE AS TO WHY STATUS IS CHARGE OFF AND NOT " PAID CHARGE OFF '' THEY SAY THEY DIDNT SAY THAT. SO THEY CANT CHANGE IT. I SAID SO HOW WAS MY DISPUTE ANSWERED AND CLOSED. THEY TRIED TO TELL ME THAT THAT MEANS WHAT I WAS DISPUTING " XXXX BAL / ACCT CLOSED '' WHICH IT DOES NOT .... I ASKED HOW CAN IT ANSWER IT YET YOU CANT CHANGE IT BECAUSE ITS NOT SPECIFIC ... .AND TOLD TO CAL XXXX XXXX TO HAVE THEM FIX IT. 

SEVERAL TIMES DISPUTED... SAME RESULT AND IVE BEEN HUNG UP ON 3X IN A ROW WHEN THIS IS POINTED OUT.

DISPUTE SPECIFICALLY STATES " PAID CHARGE OFF " S/B IN " CURRENT ACCOUNT STATUS ''. 

WHEN YOU LOOK AT REPORT FROM EQUIFAX ... NOWHERE DOES IT INDICATE PAID CHARGE OFF... XXXX BALANCE. STILL STATUS AS AN OPEN CHARGE OFF AND CLOSED ACCOUNT. WHEN ITS A CHARGE ... ISNT THAT HOW IT SHOWS. 

CLOSED CHARGE OFF BAL = XXXX ( CHARGE OFF ) AMOUNT OFF CHARGE OFF EQUIFAX HAS CLOSED NOT ANSWERED DISPUTES ... GIVEN CREDITORS MORE THAN 30 DAYS ... AND I AM TOLD CALL CREDITOR AFTER 30 DAYS WHEN NO RESPONSE FROM THEM ... THEY CLOSE DISPUTE ... SAY " UPDATED BY CREDITOR '' NOTHING DONE BUT A DATE OR A STATUS CHGD. 

LAST PAYMENT IN XXXX. PAID AS AGREED W XXXX XXXX XXXX EQUIFAX WILL NOT CORRECT STATUS THEY TELL ME " THEY SEND DIFF REPORT TO THOSE REQUESTING IT '' THAT ONE SHOWS IT '' ASK FOR SUPERVISOR ... GET PUT ON HOLD THEN HUNG UP ON. 3X IN A ROW ON SAT XX/XX/XXXX. 

PLEASE HELP THEY DO EVERYTHING BUT WHAT THEY SHOULD EVEN IN THE LIGHT OF BEING WRONG. 

CANT BELIEVE THEY TRIED TO TELL ME MY LAST DISPUTE OF " PAID CHARGE OFF '' S/B STATUS WAS ANSWERED CORRECTLY WITH XXXX BAL / ACCT CLOSED BY XXXX XXXX ... THEN WOULDNT HONOR DECISION OF ANSWERED. IT IS PAID CHARGE OFF AND TOLD ME TO CALL XXXX XXXX 

MANY OTHERS WITH ... DO YOU WANT THOSE TOO

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a validation letter to XXXX and Equifax XX/XX/2021 asking for confirmation IN WRITING that the debt is mine. It is now XX/XX/XXXX and I have yet to receive validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
Southwest credit system reporting identity theft, fraudulent account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a validation letter to Experian and XXXX XX/XX/2021 asking for confirmation IN WRITING that the debt is mine. It is now XX/XX/XXXX and I have yet to receive validation.

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 2021-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
It came to my attention that my phone number was registered with Venmo although I have never had an account nor done business with them. I tried to register using my phone number and personal information but was met with a message indicating that my phone number is associated with an existing account registered to an email that is not mine and would appear to be a non-domestic email address. As a result, I contacted Venmo via the contact information on their website to advise them. They replied very timely and provided the following response. 

It appears that the phone number you are reaching out about is already on file with us. In order to look further into this, we'll need to verify some additional information. At your earliest convenience, please send along the following using our Document Upload Form : A picture of your unexpired US government issued photo I.D . Acceptable forms of I.D . include a drivers license, state I.D . card, passport, or green card. Please be sure that this is a picture and not a photocopy. We will not be able to accept a photocopy. 

A screenshot of your most recent cell phone statement. You are free to cover all information on the statement except for your name, the date, and the associated phone number. 

You can find our Document Upload Form here : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX We need to see your ID in full, so please do not omit or cover any information on your ID. 

This is a ludicrous request to ask a non-customer to provide personal documents and information like this. I want them to take action to disassociate me and my phone number from this service to prevent any unauthorized or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Hyundai Motor Finance, without warning, cancelled my auto payment at the final payment of my lease. I received no letter, email, or phone call informing me of this. After three years of on time payments, I received an email almost a week later that no final payment was received. When I called to ask why it autopay was cancelled I was met with two very unhelpful customer service representatives who rudely informed me that they were attempting to collect a debt ( even though I made payment online while I was on the phone with them ) and that it was policy to cancel auto payments ( with no warning to the customer ) on all accounts before the final payment. They also said that the late payment would likely be reported to credit agencies.

This is predatory behavior and likely an attempt to collect late fees at the last minute before lease ends, or purposely lower credit scores so that going forward they can collect a higher interest rate from 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 2021-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have been purchasing XXXX XXXX  from XXXX XXXX XXXX since XXXX when they helped me in a precarious situation where my husband at the time left me with two  car notes and XXXX young children, one still in diapers. The management there helped me move out of those two vehicles outstanding balances into a new vehicle note. They gave me a path forward advising that as long as I maintained on-time payments, I would earn XXXX most favorable credit offerings for buying their vehicles. 

Over the years I earned that and obtained 0 % financing for my XXXX purchases with their endorsed lender Ally Bank in XXXX and XXXX. When I went to the dealership in XX/XX/XXXX to trade in my vehicle for a new one, they pulled my credit score of XXXX and found a perfect on-time payment history of my Ally Bank car note. When given the keys to drive off in my new car, I was told they would take care of financing paperwork for me to complete later. Ally Bank used the excuse of some company named XXXX XXXX XXXX and their assigned low credit score for me as a reason to not offer me a car loan at the going favorable rates. XXXX assigned me to XXXX XXXX  with a finance charge rate of 6.39 % - well above the going rate for those with my credit score as reported by the three major credit bureaus. That switch sent me from a 0 % finance car loan to one where my principal payment is almost equal to my loan interest payment. I was already in my new vehicle and not sure how to fight this awful switch. I had never heard of XXXX XXXX XXXX before and found the attached similar stories from others who experienced a similar switch to a high finance car loan despite having good credit. 

This scam needs addressing because while these finance companies use illegal means to throw people like me into high finance loans, long term damage is done that has a wide impact. At the time this switch happened, adverse events impacting one of my children and work at my new employer needed my full attention. I am hoping that new leadership under the Consumer Financial Protection Bureau will help me now address this wrong. I hope they will be made an example of to discourage companies attempting to make illegal profits like this in the future. I hope that the high finance charges and restitution for the long-term impact can be made to me by those who should be held responsible. 

Please help, 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 2021-10-03 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: DE

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME. ATTENTION I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND TRANSUNION CRA & # XXXX, XXXX. On XX/XX/2020, I MAILED XXXX, TRANSUNION AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTIFY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND OR FAILED OR REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INVESTIGATION FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

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 2021-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I have not received a bill or replacement card from this company and they continue to charge me late fees. I cant log into the account online because it says youre account is currently unavailable

Company response to consumer: Closed with explanation