vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX, received letter ( dated XX/XX/XXXX ) from JPMorgan Chase Bank, XXXX XXXX XXXX, to XXXX XXXX XXXX, from XXXX XXXX XXXX, stating " We have decided to close your accounts '' with instructions to steps to close 1 ) Checking account, 2 ) Savings account 3 ) Credit card account and 4 ) safe deposit box by XX/XX/XXXX. The time frame allowed does not allow me follow instructions within the time allowed. Repeated contacts by phone, in person, on line, or email reveals the same information, " Decision is confidential and irreversible '' by multiple sources and I am unable to contact any agency within the system with more information. Having been an account holder since XX/XX/XXXX, I am concerned that something has occurred recently that may have effected my identity or status that I am not aware of. Can this be investigated to reveal the cause of this decision? I have a case number if this would be helpful- # XXXX. Your cooperation in this matter is greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am seeking help to whoever can help me with my credit problem, There are several items on my report that I don't have knowledge of and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is a violation of the consumer rights. Please delete those negative items so i dont have to spend for taking legal action. TY

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 2021-09-13 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: GA

Complaint narrative:
I am seeking help to whoever can help me with my credit problem, There are several items on my report that I don't have knowledge of and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is a violation of the consumer rights. Please delete those negative items so i dont have to spend for taking legal action. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. 

It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
We paid an application fee of {$500.00} to start the process. This was not credited to us at closing even though we provided documentation that we had paid for this fee. I have made multiple attempts to contact Amerisave for refund with minimal to no responses. Since this was a purchase transaction I was limited in delaying a closing for fear we may loose the property. The Loan Officer never returned my calls about this, and the closer said they could not do anything about it even though i provided evidence we paid for the fee.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
SchoolFirst Federal Credit Union in XXXX CA,XXXX allowed my ex-wife to remove my name from the account without my consent. This happened in XX/XX/2020. I was not able to withdraw any money from my account and was in financial difficulty for some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: FL

Complaint narrative:
are reporting inaccurate information effecting me from getting a job that less to me stressing and lack of sleep 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 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: OH

Complaint narrative:
TransUnion I filed a dispute about the XXXX XXXX XXXX entry. It's reporting that my balance is {$470.00}. It's not true my balance is {$270.00} which is being reporting by another credit reporting agency. I made payment to the original debtor of {$200.00}. Then that debt was sold to XXXX XXXX which is collecting for the {$270.00}. How can I owe a collection agency more money than the debt actually is. 
Transunion said they verified the debt an it's accurate. That is not true. The original debtor is XXXX XXXX. I only owe {$270.00}. 

So both XXXX XXXX and TransUnion are falsely reporting the debt. I have disputed thru XXXX XXXX to no avail.

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 2021-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
FCO injunction with XXXX XXXX is charging me after I moved out the home. My lease was over XX/XX/2020. I moved out and was given a XXXX balance. A year later they have FCO has place a collections notice on my credit file stating I owe {$3200.00}. However, after looking at the account information they sent to validate the claim. It shows bills and fees after I left the home. Moreover, the account also, shows bills already paid in full. Please look at my last ledger given to me that shows my move out date and bills paid against their " Move out Statement. '' There is no way Invitation homes would have let me live in a home for two months without paying my bills and I not get evicted!

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 2021-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My monthly mortgage includes escrow for insurance and taxes. I received a letter from Mr. Cooper in XXXX of XXXX that there would be an escrow shortage of {$1000.00}. At that time my monthly payment was {$2500.00}. The letter stated my payment would rise to {$2500.00} to cover the shortage. It also said if I wanted to avoid the increase, I could pay the shortage in full. 
I paid the shortage on XXXX XXXX. In spite of this, Mr. Cooper still raised my mortgage payments to {$2500.00} Subsequent calls to them to have the escrow payment acknowledged and my monthly payment reduced to the amount it was prior to my making the payment have all ended in frustration and refusal by Mr. Cooper to resolve the issue. 
In addition to this, my online account reflects my payments will increase on XX/XX/XXXX to {$2600.00}. This increase is listed as a result of the SAME {$1000.00} shortage that I already paid in XXXX of XXXX. 
They do this every year.send a letter detailing an escrow shortage and payment increase, listing how much one must send to avoid the increase, then they raise your monthly payment anyway after receiving the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputed bankruptcy on XX/XX/2021, XX/XX/2021 and XX/XX/2021. The data furnisher, XXXX, had deleted the alleged bankruptcy from their system. Even after sending the copy of the order from XXXX showing removal of bankruptcy, Experian negligently refused to conduct a proper investigation as per Fair Credit Reporting Act ( FCRA ).

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 2021-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
I found in my credit report a Collections : NATIONAL CREDIT AUDIT CO with this Account # XXXX and I don't recognize this company. I already try to find out and I wrote them, I attached here the proof. I send a Debt Validation letter in XXXX and I haven't received an answer yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: U.S. BANCORP
State: NY

Complaint narrative:
I have a XXXX MasterCard issued by US Bank. I have been making monthly payments on it regularly. Recently, as I continued using my credit card I did not realize that I had reached the credit card 's limit. But, instead of declining the card, US Bank allowed the transactions to go over the limit by more than a thousand dollars before stopping. 
Now according the the monthly credit card statement, US Bank wants me to pay the amount over the limit IN FULL and AT ONCE. 

I am able to make monthly minimum payments plus a little extra without a problem, but it seems rather fraudulent that a bank will let your credit card go over and then insist that you pay that whole amount in full. Isnt that the purpose of having a limit on a credit card so it stops when you've reached it? 
There used to be Overdraft Fees by the banks, now it looks that the have brought the same trickery to their Credit Cards too. 

I am a XXXX. I graduated from XXXX XXXX last month and successfully passed my XXXX. Last year or so, I have worked part-time as a XXXX XXXX and have been on the front line of XXXX XXXX along with my fellow brave XXXX. I have worked and studied very hard to get to where I am and having recently graduated, I am looking forward to start working as a XXXX XXXX myself. 
Every one calls us Heroes and thanks us for our sacrifices, but blink or get too busy with your job of helping other people or fail to check your bank statements properly, and fall slightly behind in your payments and there is another financial institution ready to take advantage of 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 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
I was a victim of identity theft in XX/XX/XXXX, I reported it to all credit bureaus and was able to have several fraudulent accounts removed, except for one. this account started under XXXX, which I have never done any business with either personal or professional. The account was then sent to collections in XX/XX/XXXX. I contacted the collection company and verified that the email address, telephone number and mailing address on the account are not mine, neither are they any that I have associated with. I filed for a dispute with the credit agency, but all updates were sent to the wrong email address and/or mailing address, so I had no way of confirming the disputed information. The collection is for a total of {$5300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: WV

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Mail is frequently lost when coming to my physical address, so I always ask companies who are invoicing me to use a po box I maintain. I have repeatedly checked the box on my Wells Fargo payment coupons for a change of address request and completed the backside to ask for future statements to be sent to this po box , however, after several months of servicing the loan and my repeated attempts to request the change of address, Wells Fargo 's staff fails to have the attention to detail necessary to look at their own form and make this change. I have even circled the box in XXXX and wrote in giant letters " Please actually change it this time, '' and still, they neglect to make the update - at this point, it seems deliberate.

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 2021-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a Public Record on my credit report for a bankruptcy that does not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they sent me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. Please remove this item off my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To anyone reading this, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still haven't responded to me and i think that is not right. Please delete those negative items so I dont have to spend for taking legal action.

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 2021-09-13 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: PA

Complaint narrative:
To anyone reading this, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still haven't responded to me and i think that is not right. Please delete those negative items so I dont have to spend for taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a Public Record on my credit report for a bankruptcy that does not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not have any record under my name and they also informed me it is the policy of all bankruptcy courts to not report any information to the credit bureaus. They also mailed me a letter explaining noXXXX  record and the court policy on reporting to bureaus. I demand that you remove the bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. You have 30 days to remove the bankruptcy from my credit report or I will file a lawsuit with the federal district court in my area.

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 2021-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
This company placed this account on my credit report, I have disputed this account several times through all three credit bureaus and no luck. I have stated this debt is not mine and this account was open fraudulently. And I have been a victim of identity theift, so yes all my information will prove it's me? I'm upset with the company because they have not reached out to me on ways to clear this mistake up. I feel like they're not trying to help, but every time I dispute this account they make sure this account sticks.

Company response to consumer: Closed with explanation