vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Complaint and demand for disclosures under TILA and RESPA related to payment of my money received by JP Morgan Chase for property located at XXXX XXXX XXXX XXXX MI XXXX. 

On XX/XX/XXXX I received an unsigned letter from JP Morgan Chase Home Lending Executive Office ( at large ) where someone told me to send a release Form to the property Sellers, XXXX and XXXX XXXX, to provide me information about their account with Chase. 

My demand for disclosures was not about prior owners account with Chase. 

This demand was about my money wired to Chase as a lender for XXXX ; and this is Chase who must acknowledge receipt of my payment and provide me copy of receipt of wire transfer received by Chase on my behalf ; and who sent this wire transfer to Chase. 

I demand following disclosures : 1. Please confirm that this letter to CFPB on XX/XX/XXXX was actually sent by JP Morgan Chase. 

2. Please state the name, job title, phone number, email and business address of Chase employee who prepared this letter and filed with CFPB ; 3. Please state who authorized this employee to prepare and file this letter with CFPB 4. Please state in writing if JP Morgan Chase maintain its the business 's books and records in accordance with generally accepted accounting principles, or GAAP. 

5. Please provide me a written acknowledgement from JP Mortgage Chase that Chase received a wire transfer as my payment [ or payment made on my behalf ] for property located at XXXX XXXX XXXX, XXXX, MI XXXX with closing on XX/XX/XXXX. 

6. Specify the Date and time the wire was received. Specify who the wire was Received From. Specify who was the payor for this wire transfer ( if other party than who sent it to Chase ) 7. Please state the name of Chase employee who received this wire transfer as my payment. 

8. Please provide me a copy of wire transfer receipt which can show me that the payment on my behalf was made and received by Chase. Specify the received amount. If it was not received by Chase, please disclose who was the recipient of my payment. 

9. Please state if my payment was deposited on Chase Account Receivable related to my purchase. 

10. Please provide me book number and entry number when my payment was recorded on Chase account receivable. 

11. Please send me a copy of Release of this Lien and state the full amount of consideration, in $ dollars, received from ME or on MY behalf by JP Morgan. 

Once again, I am not asking about Sellers account information with Chase. I am asking about my money wired to Chase and a copy of wire transfer receipt after this wire was received by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: MIDFIRST BANK
State: CA

Complaint narrative:
MidFirst Bank charged back {$260.00} to my company, which was a fraudulent charge back made by the customer. This amount also included a {$15.00} charge back fee. The customer XXXX XXXX reported to MidFirst Bank that the order she purchased was fraudulent. After I submitted proof to the bank along with her signature, phone number and email address informing them of me speaking with the customer they still processed a charged back. The customer have my product and now the funds, and then they have the nerve to charge me {$15.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America overdrafting system and few scheduling needs a COMPLETE OVERHAUL. XXXX, the pandemic and now the outbreak of omnicron and this bank specifically has zero to no options on waving fees for customers experiencing repeated Covid related issues such as myself. A period between the end of XXXX, I had experienced several reoccurring symptoms of Covid that prevented me from supplementing my SSDI. Which caused me to fall behind on some of payments due. Which caused my bank account with Bank of America to go negative. Despite for years have rarely any issues, the bank now has a schedule {$400.00} in overdraft fees scheduled to come out in XXXX that will be deducted out of my SSDI federal payment from social security that will prevent me as a disabled customer from paying my basic bills and necessities. I have already asked the bank last year on waiving fees due to my recovering from Covid symptoms during last 6 months of XXXX. The bank declined any assistance on the 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 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
Ive requested the accounting history, detailing past payments made or missed and was not provided any. 
Ive requested personal information associated with this account for identity purposes and was not provided any. 
Ive requested contracts signed with my signature and was not provided any.

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 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Ive requested the accounting history, detailing past payments made or missed and was not provided any. 
Ive requested personal information associated with this account for identity purposes and was not provided any. 
Ive requested contracts signed with my signature and was not provided any.

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 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I have been trying to starve off foreclosure and i was told in XX/XX/XXXX by the bank SLS a payoff of arrears of {$220000.00}, now i finally got together {$240000.00} together sold a business and i then requested in XXXX the payoff from the bank that was good through XX/XX/XXXX they send me a payoff of {$280000.00} now my mortgage per month is only XXXX per month but the bank increased the payment between XXXX 1 month of {$60000.00} increased and all my taxes were paid nothing outstanding so i questioned the bank and requested them to explain how my mortgage arrears went up {$60000.00} in one month? they have refused to get back to me or my attorney XXXX law handling this. The most my arrears should of went up in one month is {$3200.00} not {$60000.00} ... the bank is stalling because the longer they get back to me the more the mortgage arrears goes up.

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 2022-01-12 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact America I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach XXXX in America. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in 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 non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact XXXX I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach XXXX in America. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact America I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach XXXX in America. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in 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 2022-01-12 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:
Back on XXXX XXXX I sent letters to all three bureaus challenging information on my credit report that did not belong to me. I called each bureau in XXXX. I can remember the exact day and stated that it has been over 30 days and I haven't heard anything about my disputes. Each bureau told me that do to covid that they have XXXX to 60 days. Due to the holidays it slipped my mind that had still not heard anything back about my disputes. I seek out legal advise and was told that I should submit a complaint with the CFPB and that if this did not resolved issue. I explained to attorney that the stuff that was on my report was not stuff authorized or belonging to me and that I'm known victim of Identity theft. Everytime it's time for me to renew my permit in the field of work I do I have to jump through loops to prove who I am. I need the items I'm challenging remove asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I bought a home in XX/XX/2021 using Loan Care LLC in Virginia. In XX/XX/2021 I asked the mortgage company if I could do split payments for my mortgage. They said they could do it and one of my payments were split up from one week to the next. The next month they called me and said that I was missing a payment, I told them that someone from their company told me I could do split payments or biweekly. They said that was not possible and they could not do it. I said OK and authorized to have full payment processed from my account in the amount of {$490.00} every month, the woman I spoke with on the phone from the mortgage company gave me a confirmation number. 

Today they called me this morning around XXXX XXXX  and stated I was behind two payments on my mortgage, I told him I did not understand and that in XXXX I was told I was already set up for automatic payments ( which you can do over the phone ) they told me they did not see in there system anything was authorized for that. The woman I spoke on the phone with first stated my last payment that was supposed to be processed in XXXX was canceled as soon as I got off the phone after I had already authorized it. I asked what was the reason for that and she said the woman who spoke with me Might have pressed the wrong button or something. I immediately asked to speak to a supervisor. I explain to the supervisor what was going on and she stated she would waive the late fee which is only {$16.00}. I now owe {$980.00} to Loan care. I also provided the supervisor with a confirmation number I was given by the person I last spoke to she stated that number did not exist in their system. 

I asked the supervisor why the woman I spoke with last time would give me that confirmation number if it didnt exist she stated she did not know and they would look into it. 

This would be the third time they have forgotten to process my payments correctly This is also taking a hit to my credit.

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was incarcerated from XX/XX/XXXX until XXXX XXXX at XXXX XXXX XXXX during the time someone used my name and social to open accounts and seek care, There is no way I should have any medical exspenses or anything else because I was under the Department Of Corrections during the time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I recently reviewed a copy of my consumer, and I noticed that it is reporting an experience with AMERICAN EXPRESS. 

The line of credit I have with AMERICAN EXPRESS is characterized as utilization on my consumer reports. AMERICAN EXPRESS IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. 

Regarding the : American Express Cash Magnet Card, AMERICAN EXPRESS is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES Transactions or experiences between the consumer ( ME ) and the person ( AMERICAN EXPRESS ) making the report is NOT INCLUDED on my consumer report Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( AMERICAN EXPRESS ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
AMERICAN EXPRESS HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

I mailed a letter to Amex expressing my concerns via USPS trackiXXXX # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlas Credit Company, Inc.
State: VA

Complaint narrative:
I have received continue phone calls from a company named Atlas Credit Company in XXXX Virginia I have never done business with this company and I'm confused as to why I'm getting repeated phone calls on a daily basis I had someone living with me who assumed my identity and also stole my driver 's license this is not the only concern I've had with this particular person however I filed a police report and I have proof that my identity was stolen please remove from my credit report thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I went to the ER. I called the hospital and all my bills with them are resolved which included over {$8000.00} in XXXX of that year for a series of rabies shots ; all my accounts have been resolved and I paid them on time. Now, they told me that apparently the ER doctors bill separately through a company called XXXX XXXX XXXX of XXXX XXXX. To my knowledge, I never received a bill or a call from them, but they sent my information to a debt collector. This debt collector allegedly ( according to them ) sent me ONE letter on XXXX of XXXX, TWO YEARS after this event happened, for which I had no outstanding balance with the hospital, or quite frankly, recollection. The debt collector in question is Assetcare of XXXX, Texas. I have received no voicemails, and they sent my information to a credit reporting agency after only sending one letter which I never received. if I would have seen a bill from a debt collector I would have called immediately, as I did in this instance since I value my credit, and I was told it was already affecting it unless I paid this debt which I never received a bill for until it was already reported. These people had no problem ruining my credit for {$180.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 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: FL

Complaint narrative:
My disputes have been sent over a year ago for these collection account that are on my report still and now its XX/XX/2022 with no removals XXXX XXXX  {$580.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief