vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Back in XX/XX/XXXX Hurricane Irma we were hit by the storm and declared in a state of emergency which was to be protected by FEMA. I reached out the JP Morgan to ask if I could delay a month payment in XX/XX/XXXX to fix the front overhang ( ceiling ) which blew down on my property. The gentleman on the phone stated yes but " you would be treated differently ''. So at that time I decided to do what I can to which was to safely secure the property. In sight of his comment I thought it would be in my best interest to continue make payments. Soon after, I received a letter in the mail telling me to take eight additional month to fix the property. ( which I didn't request ) so I disregarded the letter and continued to make my payments. Unfortunately, my company laid me off in XX/XX/XXXX but I pull the funds from my 401k plan to make payments up until XX/XX/XXXX. XXXX I went to make the payment and the cashier canceled the check and to me she couldn't accept the payment and stated I must call Chase 800 number. Thereafter, Chase summon me with foreclosure papers. I couldn't understand what was happening because I was making the payments, protected by FEMA and wasn't in breach of my Home Affordable Modification Agreement. Chase would not dismiss the case because they had already sold my loan without my knowledge to XXXX XXXX. XXXX XXXX reported on my credit report without my knowledge. In XXXX I pulled my credit report and saw them listed. Chase still couldn't dismiss case because they didn't own the loan and I didn't know at the time what happen. Now I'm in a facing foreclosure with mounting fees, investor stress who is waiting to buy my property after this fraudulent act. 
My options are to accept a modification today before finding a job or go to court on XX/XX/XXXX to be evicted and be homeless. I'm gainfully employed at the moment but frantically looking in the midst of the pandemic or go to trial XX/XX/XXXX and be put out within a month or request for an extension for 3/4 months to move. I live in my home for 24 years and I have no where to go and want to save my only investment. Please help me. Trial is set for XX/XX/XXXX, I giving you the XXXX County CASE # XXXX. Please note : my account number is no longer it was change when acct was sold but now transferred back to Chase due to my case. 

My desperate plea for intervention. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX score has not changed and it is much lower than XXXX, XXXX and XXXX. Navy Federal has not been able to answer my questions. They continue to deny me expect for an auto loan. Something is wrong with the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BANKAMERICA Account Number : XXXX This is not mine.

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 2021-06-10 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: FL

Complaint narrative:
I checked my account and noticed an unrecognized account on my credit report. I have sent multiple letters to the credit bureaus asking for evidence ( a signed and dated contract or agreement ) of the alleged debt. They have sent me the same letter multiple times, saying it is verified yet providing NO evidence.

*FCRA Act Section 611 gives me the right to request an explanation of the verification method used by the credit reporting agencies.

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 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a taken a loan of {$4000.00} from care credit.They were promotin 0.0 % Apr for 12 months then 29.00 %. 
I paid {$3100.00} in the 12 months.The remaining balance was $ XXXX.I thought i will be charged 29.00 % APR on remaining balance. 
I was surprised to see the bill of {$1900.00} in the next month.Then when i looked at the fine terms it was said they charge interset on whole balance after 12 month term. 

I have other credit cards all of them charge APR on remaining balance. 

i think it is unethical banking.Please help 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
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I contacted Transunion to dispute the dates on collection account. They replied XX/XX/XXXX, after 30 days and stated they meet FCRA requirements. I contacted Transunion on XX/XX/XXXX, and the representative stated " I don't have verification of your account the collection agency and send us proof ''. He stated they got my information from XXXX XXXX XXXX. He also stated, Transunion is not violating my rights by not showing me validated proof of the account. The Transition representative refused to remove the account.

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 2021-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am officially in dispute of the above account as referenced, I sincerely believe that Chase is using the process to toll my account to build up fees interest and penalties to eat up the equity in my home and take my home from me. You are using my home as a cash register for your benefit. 
I also believe that this Note has been fully paid and you a trying to collect on a debt twice. 
So, Per the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( e ) I have the right to dispute and question the alleged debt and to obtain key pieces of information about my loan.

See attached file for details

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I mailed Santander on XX/XX/2021 and filed my FTC report to verify a debt that was reported in the amount XXXX that was never verity and they sent the debt to a debt collector. They are in violation of 15 usc 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: SC

Complaint narrative:
I have tried to work with the credit bureau 's for quite some time on repairing a negative account reporting by XXXX XXXX XXXX. On XX/XX/XXXX I notified the bureaus that the account is reporting a monthly payment on a closed account which still continues to report on my credit report. OnXX/XX/XXXX I submitted a direct to furnisher dispute advising them that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX  ). On XX/XX/XXXX I notified the credit bureau 's that the date of last payment is reporting inaccurately it reports that the date of last payment is XX/XX/XXXX ( TransUnion ), XX/XX/XXXX( XXXX  ), and XX/XX/XXXX ( XXXX  ). On XX/XX/XXXX I notified the furnisher directly that there is a monthly payment of {$400.00} reporting to TransUnion and XXXX  on a closed account. Last but not least the payment history is reporting inaccurately it reports that I was paid on time ( XXXX  ) XX/XX/XXXX and 30 days late ( XXXX  ) at the same time.XX/XX/XXXX it reflects that I was 30 days late ( XXXX  ) and 60 days late ( XXXX ). XX/XX/XXXX it reflects that I was 60 days late ( XXXX  ) and paid on time ( XXXX  ). XX/XX/XXXX it reflects that I was late 90 day ( XXXX  ) and paid on time ( XXXX  ), XX/XX/XXXXit reflects that I was 150 days late ( XXXX  ) and 120 days late ( XXXX  ). It also reflects that I was late 120 days for the months of XX/XX/XXXX on XXXX. There is also activity reporting after the account was closed which from my understanding is a violation.

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 2021-06-10 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: SC

Complaint narrative:
I have tried to work with the credit bureau 's for quite some time on repairing a negative account reporting by XXXX XXXX XXXX. OnXX/XX/XXXXI notified the bureaus that the account is reporting a monthly payment on a closed account which still continues to report on my credit report. On XX/XX/XXXX I submitted a direct to furnisher dispute advising them that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( XXXX  ),XX/XX/XXXX ( Experian ), andXX/XX/XXXX ( XXXX ). OnXX/XX/XXXX I notified the credit bureau 's that the date of last payment is reporting inaccurately it reports that the date of last payment is XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( XXXX  ). OnXX/XX/XXXX I notified the furnisher directly that there is a monthly payment of {$400.00} reporting to XXXX  and XXXX  on a closed account. Last but not least the payment history is reporting inaccurately it reports that I was paid on time ( Experian )XX/XX/XXXX and 30 days late ( XXXX  ) at the same time. XX/XX/XXXX it reflects that I was 30 days late ( Experian ) and 60 days late ( XXXX  ). XX/XX/XXXXit reflects that I was 60 days late ( Experian ) and paid on time ( XXXX  ). XX/XX/XXXXt reflects that I was late 90 day ( Experian ) and paid on time ( XXXX  ), XX/XX/XXXX it reflects that I was 150 days late ( Experian ) and 120 days late ( XXXX  ). It also reflects that I was late 120 days for the months ofXX/XX/XXXX on XXXX. There is also activity reporting after the account was closed which from my understanding is a violation.

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 2021-06-10 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: SC

Complaint narrative:
XXXX  XXXX is currently reporting the account thats reporting to my credit report in violation. On XX/XX/XXXX I notified the credit bureau 's that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/XXXX ( XXXX  XXXX. I then directly contacted the furnisher on XX/XX/XXXX to let them know about the inaccurate date of last activity which they did not delete or correct the information. On XX/XX/XXXX I then notified the credit bureau 's that the date of last payment is reporting inaccurately it ' reporting : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( XXXX XXXX. I also notified the furnisher directly on XX/XX/XXXX of the inaccuracy that remains on my report inaccurately reporting. I also filed a XXXX  complaint on XX/XX/XXXX which still remains unanswered. Last but not least the account is reporting conflicting activity after the account has closed how can I be paid on time and charged off at the same time? Clearly this account is reporting inaccurately.

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 2021-06-10 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: LA

Complaint narrative:
i filed a dispute its been well over 30 days and i have not received any investigation results

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 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cedars Business Services, LLC
State: NJ

Complaint narrative:
A company called Cedars Biz Services is pretending to be an Italian Government agency to collect a parking ticket which was paid. Now, they are claiming it's {$400.00} to pay. 

There are no outstanding debts in collections at this time for me per my credit reports. 

They call repeatedly and constantly send USPS mail. I'm not sure how they even got my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX submitted an affidavit to Experian regarding violations that arose from an account Experian is reporting without my permission or written consent pursuant to 15 usc 1681b. ( 2 ). Experian did respond to the affidavit but they updated the account as accurate saying they did an investigation.Pursuant to 15 usc 6181a ( e ) Experian did not do a complete investigation as it would entail an interview with my neighbors or my family, In which they did not do. Experian has violated my right to privacy as a federally protected consumer.Pursuant to 15 usc 1681b ( e ) i elected to have my name and address excluded from any list provided by the consumer reporting agency in connection with a credit transaction not initiated by me. Pursuant to 15 usc 1681a ( 2 ) ( b ) Exclusion the consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, Pursuant to the Truth and Lending Act we know the term credit card means any card, plate or coupon book or other device existing for the purpose of obtaining money or property labor or services on credit. Experian has failed to comply by the laws governed by congress which has caused me adverse action.Pursuant to 15 usc 1692c Experian did not Cease the collection of this alleged debt and continued to report and furnish data without my my consent, Pursuant to 15 usc 1692k Experian is Civilly liable for damages sustained.Pursuant to 15 usc 1681n they are in violation and liable for willful noncompliance

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 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK
State: TN

Complaint narrative:
Account Opened and then CLOSED FOR BUSINESS REASONS I successfully opened a XXXX  checking account on XX/XX/21, and am now being told my account has been closed for Business Reasons ( Security purposes ) and will not be told why. I still am able to log in to my account and I continue to receive emails along with a letter in the mail I received yesterday welcoming me to XXXX. 

This checking account was opened because there is a {$250.00} checking Bonus I was interested in. 

I feel this XXXX XXXX  is opening and closing accounts along with other customers as a bait and switch move to bolster their open account numbers while quickly closing those accounts so the consumer is not be able to finish the qualifications to receive the {$250.00} bonus being offered.

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 2021-06-10 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: MN

Complaint narrative:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Mistaken Identity XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Freecreditscore company took my information social security date of birth verified my identity then requested my credit card information to give me the free credit score allowing them to repeatedly charge my card with no resolve to my account it was fraudulently taking my information and that was only free to them. That is just wrong there phone number is XXXX I called spoke to XXXX but first they never say who they are just customer service or membership services then when asked he was unable to answer a simple question about who they are its fraud pure and simple

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 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
( EASTERN ACCOUNT SYSTEM ) at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) has been sending me collection notices in the amount of ( {$98.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: SC

Complaint narrative:
I have tried to work with the credit bureau 's for quite some time on repairing a negative account reporting by XXXX XXXX XXXX. On XX/XX/XXXX I notified the bureaus that the account is reporting a monthly payment on a closed account which still continues to report on my credit report. OnXX/XX/XXXX I submitted a direct to furnisher dispute advising them that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( Equifax ). OnXX/XX/XXXX I notified the credit bureau 's that the date of last payment is reporting inaccurately it reports that the date of last payment is XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Equifax ). On XX/XX/XXXXI notified the furnisher directly that there is a monthly payment of {$400.00} reporting to XXXX  and Equifax on a closed account. Last but not least the payment history is reporting inaccurately it reports that I was paid on time ( XXXX  )XX/XX/XXXX and 30 days late ( Equifax ) at the same time. XX/XX/XXXX it reflects that I was 30 days late ( XXXX  ) and 60 days late ( Equifax ). XX/XX/XXXXit reflects that I was 60 days late ( XXXX ) and paid on time ( Equifax ).XX/XX/XXXX it reflects that I was late 90 day ( XXXX  ) and paid on time ( Equifax ), XX/XX/XXXX it reflects that I was 150 days late ( XXXX ) and 120 days late ( Equifax ). It also reflects that I was late 120 days for the months of XXXX-XX/XX/XXXX on Equifax. There is also activity reporting after the account was closed which from my understanding is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
( MEDICAL DATA SYSTEMS I ) at ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ) has been sending me collection notices in the amount of ( {$290.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

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