vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir/Ma, To whom it may concern, I am filing this complaint about Chase bank, They restricted my account on XX/XX/20 with the balance of {$49000.00} and debited my account on XX/XX/20 in the amount of {$8400.00}. up to this moment i have not heard from Chase. Chase debited the aforementioned amount from my account and refused to release my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I did not open this credit card called ideal I contacted the company and they sent me a letter looked in to it and was a fraud I have the letter they sent to me saying I was not responsible for this card and they would send the 3 credit card companys saying it was fraud and it was never taken off my credit report 2 years Ive been waiting no response yet they will not take it off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I asked XXXX to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, XXXX sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low 700 hundred to low 500 on all 3 credit bureaus. I went back and forth with XXXX the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by XXXX that the new servicer will not report the late payment. Despite showing XXXX accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit. 
I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have XXXX corrects the error on my credit report. 
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 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I asked XXXX to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, XXXX sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low 700 hundred to low 500 on all 3 credit bureaus. I went back and forth with XXXX the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by XXXX that the new servicer will not report the late payment. Despite showing XXXX accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit. 
I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have XXXX corrects the error on my credit report. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I asked XXXX to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, XXXX sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low 700 hundred to low 500 on all 3 credit bureaus. I went back and forth with XXXX the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by XXXX that the new servicer will not report the late payment. Despite showing XXXX accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit.

I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have XXXX corrects the error on my credit report. 
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 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXXl XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX The inquiries listed above were obtained without my knowledge or consent. I am requesting XXXX remove them from my credit report immediately. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: FL

Complaint narrative:
Receive 2 to 3 calls per day from XXXX. They mailed me a notice about unpaid XXXX fees that are not mine. I sent them a not my debt letter via usps physical signature required and also requested they do not call any more. They still attempt to call 2 or 3 x a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Received many phone calls about a debt that was owed by XXXX XXXX. XXXX XXXX happens to be the name of my husband 's ex-wife who is deceased. She has been deceased for more than ten years. Today received a message to call Revenue Group and spoke with a XXXX XXXX. Explained this to him. Specifically asked him to stop calling my home. The phone number received most recent call came from : XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/20, I applied for a XXXX XXXX XXXX credit card through Chase Bank while booking a flight to XXXX. The offer was for a {$200.00} statement credit after the first purchase with the card, as well as XXXX points after spending {$500.00} with the card within the first three months. I was not approved immediately, so I did not find out until two days later that my application had been approved. I received my card later that month and began using it. My first purchase was on XX/XX/XXXX, ( a XXXX flight to XXXX ), which should have qualified me for the {$200.00} statement credit. The {$500.00} threshold was reached in early XXXX. 

After the credits did not appear automatically after the required time had elapsed, I contacted Chase about the rewards. They then informed me that I had not applied for the offer I thought I had, but instead a different one. Because the other offer had different conditions, I had not met those conditions, and thus I was not eligible for the rewards. I explained what happened, sent in screenshots of the offer, but they still refused to give me the rewards of the original offer.

The original offer I applied for is still active on their website, and the terms can be found here ( XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX ). Or you can go through the process of selecting a flight at XXXX. The offer, and the link to apply for it, are below the " Trip & Price Details ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
On or around XX/XX/2021 we received a notification from the XXXX XXXX XXXX Tax Assessor that the school taxes due on XX/XX/XXXX were not paid by our mortgage company, Loan Depot. We emailed and called Loan Depot immediately to notify them, and attached the notice from the XXXX XXXX  XXXX as well to our email correspondence. Three weeks later, on XX/XX/XXXX, we checked our escrow account online with Loan Depot again and the taxes had not been paid. We then emailed again and received a response that Loan Depot would be paying the taxes. We again checked today, XX/XX/XXXX, and the taxes have still not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear CFPB, I'm asking for help in the matter regarding Portfolio Recovery Associates, XXXX Account XXXX. 

I have no idea what this debt is and have asked Portfolio Recovery Associates several times for validation and proof they have a legal right to collect this alleged debt. They have not provided any signed agreements with my social security number stating that I open this account or any documentation proving that this is a legal debt that is owed by me. 

This is damaging my credit and is causing XXXX XXXX and XXXX. 

Please help remedy this situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have been trying to access my account with chime.com going on 3 weeks. I have sent roughly 20 emails with my ID and proof of address to have my online account unlocked because I think that I have been scammed on my bank account. I call everyday and I get the same answer every-time. They are very rude and not professional. Can someone with in your organization help me get some information and my money from this bank.

I have also submitted about 10 disputes that have not been worked or even reconized. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
I transferred my coins to Binance US and after a few weeks it was frozen. I can not get into it and have tried everything I can and done everything asked of me but still nothing. I think they are running a scam. I got on XXXX and found the XXXX site and sent numerous messages to her. Nothing. There is NO phone number for them and the company that is their sponsor is BAM Trading located in XXXX. XXXX. CA. 
I transfered XXXX XXXX coins to Binance US from XXXX XXXX ( online investing ) I'm attaching all correspondence below. 
Thank you so much for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
In either late XXXX or early XXXX ( can't remember the exact timing ) I went to the American Express website as I was shopping around for a new credit card. I used their 'see if you are pre qualified ' feature before exploring more, where I was presented with the cards with AMEX I was prequalified for. 

One of them was the Platinum card where I was offered a sign up bonus of XXXX with {$5000.00} in spend within the 1st 6 months. Also added on to that was a grocery / gas bonus as well which I'm not disputing in this request. So I applied, was approved. I recently noticed I was given a welcome bonus but it was NOT the XXXX feature. I used the Customer Service chat feature where I was connected with a representative. I was told offers change all the time. I clearly understand that and the representative was not even addressing my issue. I was presented with a XXXX offer which is why I applied. The representative made no offer to do research on their end to see that I was really presented that offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Hello, I began the loan modification process after the COVID 19 forbearance and had all of my documents submitted to Lakeview Loan Servicing  ( XXXX ) by XX/XX/2021. They sent notification that our file was complete and was assigned to an underwriter on XX/XX/2021, stating that they would have a decision on our account within 30 days. Today, XX/XX/2021, I am STILL waiting to hear ANYTHING. It's been in this same status now for 75 days. I call and email them frequently and have gotten nowhere. They either just say they are working on it but have no further information nor have an estimated date of completion. When I email, I simply receive no response. Whenever I ask for a manager, I get sent to a generic voicemail box that asks for an extension ( which I don't have, nor have they given me ) or I leave a message and nobody ever calls me back. I'm trying my hardest to get this loan current so I can make a payment. My husband moved to XXXX  from XXXX XXXX  State for work during the pandemic. Now we are trying to purchase a home in XXXX but can't procure a mortgage while this loan is still in this status. We need this loan modification to be completed so we can make three trial payments and at that point, underwriting on our new XXXX  mortgage will proceed with our loan. Until then, we are unable to move forward with anything. We've placed a non refundable deposit on the new home and are fearing losing that money while XXXX drags their feet completing this loan modification. I don't understand how this is taking so long when we are TRYING TO PAY. Please please please, any help you can provide is so appreciated. I want this to be over so we can move forward in life. This has been exceptionally stressful.

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 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I attempted ( online ) to get my annual credit report from Equifax a few months ago. I got an automated message that, for some ( to me unknown ) reason I could not get the report online and that I would have to send my request to a physical Equifax address with information and documents. 

I also found out that my record with Equifax was among millions stolen in breach of Equifax as previously reported. 

On XX/XX/2021, I sent a letter of request ( see attached copy with most identifying info deleted and without copy of accompanying documents ) to the following Equifax address ( with certificate of mailing ) : Equifax Disclosure Department, XXXX. XXXX XXXX, XXXX, GA XXXX. 

In that letter I asked for : 1 ) Annual credit report from Equifax ( only ) and 2 ) To be informed of exact information about my data that was stolen from Equifax. 

More than 2 months laater, I still have not heard from Equifax. 

Is that company still in existence or have they ceased to exist ( which would be most appropriate, given their terrible record )?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America ATM at XXXX location ( XXXX PA ) " froze '' when I was making a {$3900.00} check deposit on XX/XX/2021 - held my check and did not complete the deposit - bank managers and customer support can only create a claim and " escalate '' it, whatever that means - but CAN NOT and will not provide a clear path the resolution or provide help for me to get the funds so I can pay my bills, buy food, etc. 
They are telling me on recorded messages resolution can take up to 45 days and support reps tell me I just have to wait. 
POOR customer support after being a 21 year customer - not that that should matter as every customer should be treated better.

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 2021-04-07 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: LEXISNEXIS
State: FL

Complaint narrative:
I sent a letter to Lexis Nexis via certified mailed on XX/XX/2021 and they received it on XX/XX/2021 to XXXX XXXX XXXX XXXX, GA XXXX. I requested that they send me whatever documents of information that they have personally used to verify this alleged bankruptcy and they have not responded to my request at all. If they can not produce such documents this alleged bankruptcy needs to be removed from my file immediately as it is defaming my charter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
This is in follow up to a previously filed complaint with the CFBP, complaint # XXXX as well as complaint # XXXX. As noted in the previous complaints, the request to remove PMI was submitted XX/XX/XXXX and all the requirements to remove PMI were met. There was an error in the appraisal that stated the value of the property was significantly less than the actual value and CMC Funding ordered another appraisal at their expense. This delayed the review of the PMI removal request by 5 months, which CMC Funding issued a notice stating PMI was canceled XX/XX/XXXX. This resulted in 5 months of overpayment for a total of {$240.00}. I am requesting that that amount be refunded to me.

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