vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Saturday XX/XX/XXXX I received a CP2000 form from the IRS. It stated that I had 2 disbursements that I did not account for on my XX/XX/XXXX Taxes. Upon inspection there where two that pointed to JP Morgan / Chase Bank on a retirement account ( CD ) that were distributed to me. The account information states that it showed my Social Security Number ( SSN ) and gave the details of it being from a Chase Bank Retirement CD. I called the Chase Bank 24-hour phone number and asked them to look up my SSN to see if I had any accounts on file with Chase - as I have never used Chase Bank for anything. They stated no they had no accounts for me and told me to go into a local branch bank on Monday to get more information. I also called the IRS to ask them more about this item. They told me to get a letter from the bank on Chase 's letterhead stating that I had no accounts with them and the IRS then would investigate and remove this said money due. After waiting for three ( 3 ) days to hear back from Chase because the branch manager " wasn't available '' for whatever reason, I finally was told that because I have no account on file, they can not draft any letters on my behalf and had very little concern for my issue. I then went home and called the IRS again. They have since ( with my permission ) sent a payor letter to JP Morgan/Chase to request them provide proof that that debt is mine. I was told that I have to give it 30-60 days for the letter to be mailed by IRS, received by JP Morgan/Chase and then responded to by JP Morgan/Chase. Since the Chase Bank helpline and the branch bank both show no record of me having an account, I expect this issue to be resolved. But if they come back and refuse to remove this debt from me, I was told that I might need to seek other means to resolve this. After talking to the IRS, they stated they only go to the taxpayer for this when the financial institution reports this income to IRS. The fact that Chase Bank showed little concern for my problem and refused to assist when this is clearly their error is something that I am bringing to your attention and ask if you will please investigate this matter and help me and others not fall victim to this kind of treatment and mistake by JPMorgan/Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Bureau Reporting Current address, since XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, TEXAS XXXX INCORRECT Reported Addresses : XXXX, TEXAS >>>Incorrect XXXX, Oklahoma >>>Incorrect Over the past year ... I've worked to update and make corrections on my credit report.

The above 2 addresses STILL remain. I believe Experian reports the XXXX, TX., and XXXX XXXX , XXXX , Oklahoma . A few years ago ... I had another parties credit cards being reported on my credit. Through my own investigation, I learned the ss # associated was different. Which caused the credit company to request removal. The point. Reporting incorrect addresses, can lead to identify theft and other incorrect information being reported. 

I've lived at my current address since XX/XX/XXXX. Reflected by Federal Tax Rtns, Voter Reg, and Gov issued Id 's. This dispute request is for CFPB to please use whatever guidelines are available to resolve this matter once and for all. If necessary, I can sign sworn affidavit. Federal Tax Run, Gov Issued Id 's again.

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 2018-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One for refusing to investigate a credit dispute with XXXX XXXX for custom draperies. It was for a transaction posted on XX/XX/XXXX for a total amount of XXXX dollars. 
I was misled by XXXX XXXX XXXX decorator, XXXX XXXX. she installed a completely different style than what we agreed one ( She installed a very cheap drapery style ) .I sent to Capital one pictures of the style we agreed on and the style that XXXX XXXX installed. Even the contractors who did the installation agreed the style installed is different that the style I expected. XXXX XXXX failed to deliver on what we agreed on. Relying on false statements from XXXX XXXX, Capital One closed the case, and refused to reopen it. I had previously filed a complaint through the CFPB with documents of tremendous importance, which should have helped decide the case in my favor. That is only if the investigator was willing to investigate the case. Unfortunately, the agent who was in charge of the investigation called me one time and said that they would do a thorough job investigation the case. But they never did. Capital one failed to resolve the issues. Though i provided all required documents, they denied the dispute based on false statements issued by the Merchant. This is what they said in the letter they sent : " Based on the information we received, the merchants decision not to honor your refund request was based upon the original drapes being incorrectly measured. The merchant advised that they remeasured and reinstalled with exactly what you ordered. As a result, we re-billed the disputed transaction ''. I disputed the charges because i did not receive what the decorator agreed to install. I received a completely different style. That has nothing to so see with measurements. 
I should also mentioned that I tried to resolve the case in good faith with the XXXX XXXX. On XX/XX/XXXX, the same day the custom draperies were installed, i emailed the store manager, letting them know that a different drapery style was installed. They said they would contact me and they never did. I also contacted XXXX, the decorator who even came to my house on XX/XX/XXXX to inspect the installation. She was in agreement that a different style of drapery was installed. She said she would contact her store manager on the next steps. On XX/XX/XXXX, she called me to let me know that she would not redo the installation. 
I have already sent supporting documents to Capital one. With no success I called capital one multiple times.That is why I have decided to file a complaint Through the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
gentleman. I did apply and approve for my home refinance mortgage with bank of America. they took in advance around {$500.00} for credit report and home appraisal.

the loan officer made a mistake and after the loan was approval by the underwriting said my loan was cancelled because I was in a temporary loan modification with my present lender ( XXXX  ) I disclose that at the beginning, verbally and in writing in the application of the refi. 
the loan officer told me that, was not a problem ( the temporary modification ) so he collect the money for the appraisal and the underwriting approve the loan. 

later on, someone review the application and said the temporary loan modification was a problem and denied the refi. But I told them at the beginning and mr XXXX and XXXX told me that was not a problem. so they took my {$500.00} and refused to return the money and get in contact with me .loan officer Mr XXXX XXXX XXXX XXXX ( XXXX ( XXXX ) XXXX XXXX manager XXXX XXXX XXXX XXXX XXXX ,XXXX XXXX they made a mistake and made me paid for an appraiser I want them to get in contact with me and get my money back. 

Mr XXXX told me I ll received a letter that explain why my loan was cancel. 
they lie to me never received any letter and they don't answer my calls. 
I want a writing explanation and my money back. Please help me. 

yours XXXX XXXX XXXX XXXX XXXX manager XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like these inquiries removed, customer service at Transunion would not remove these fraudulent inquiries off of my credit report for me. 


XX/XX/2018 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 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 2018-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit Bureau Reporting Current address, since XX/XX/1989, XXXX XXXX XXXX, XXXX XXXX, TEXAS XXXX INCORRECT Reported Addresses : XXXX, TEXAS >>>Incorrect XXXX, Oklahoma >>>Incorrect Over the past year ... I've worked to update and make corrections on my credit report. 

The above 2 addresses STILL remain. I believe XXXX reports the XXXX, TX., and Trans Union , XXXX , Oklahoma . A few years ago ... I had another parties credit cards being reported on my credit. Through my own investigation, I learned the ss # associated was different. Which caused the credit company to request removal. The point. Reporting incorrect addresses, can lead to identify theft and other incorrect information being reported. 

I've lived at my current address since XX/XX/1989. Reflected by Federal Tax Rtns, Voter Reg, and Gov issued Id 's. This dispute request is for CFPB to please use whatever guidelines are available to resolve this matter once and for all. If necessary, I can sign sworn affidavit. Federal Tax Run, Gov Issued Id 's again.

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 2018-07-29 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: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
Ocwen loan servicing llc XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX XXXX late reporting XX/XX/XXXX & XX/XX/XXXX60 days late XX/XX/XXXX & XX/XX/XXXX90 days late XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late

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 2018-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: MO

Complaint narrative:
Our urgent care Co-payment was paid ( XX/XX/2018 ), overpaid ( XX/XX/2018 ) and still turned into collections. Received collection notice from midwest recovery ( XX/XX/2018 ). Contacted patient portal ( payment system ) for our urgent care and is being reviewed for correction. Contacted midwest recovery collection informing them of issue was told that the account would be noted. XX/XX/2018 midwest recovery reported negative account to my credit report without final notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: NJ

Complaint narrative:
My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX XXXX late reporting XX/XX/XXXX & XX/XX/XXXX 60 days late XX/XX/XXXX & XX/XX/XXXX90 days late XX/XX/XXXX 30 days late transunion XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX& XX/XX/XXXX120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late

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 2018-07-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX   DOB XX/XX/XXXX SS # XXXX my loan # is XXXX  XXXX late reporting XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX 60 days late XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX 30 days late equifax XX/XX/XXXX XX/XX/XXXX 120 days late XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX & 60 days lateXX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX experian late reporting XX/XX/XXXX &  XX/XX/XXXX 60 days late XX/XX/XXXX & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late

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 2018-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
We received 2 attached contradicting letters from Rushmore in response to my initial CFPB Complaint Number : XXXX. First of all, both letters were dated on XX/XX/XXXX - From both XXXX, CA Office ( which attached a PDF Response Document ) and XXXX, TX which included inaccurate information which does not attest to the full truth. Here are my concerns as follows : 1. PDF Document attachment again does not outline the Fact that we are currently under a Forbearance Program through XX/XX/XXXX via XXXX XXXX Transfer to Rushmore Loan Servicing. ( Please see Attached documentation which was sent over 7 times to Rushmore and original SPOC - XXXX XXXX ). Also, your excuse about posting a note on our door is contradictory as well because we were already in a Forebearance. We were also fully aware of debt obligation based on XXXX XXXX XXXX   Forbearance information which was already sent to us and Rushmore during the Transfer, and there was no need to attach our Mortgage * & Deed information. This is another form of Retaliation because we filed a CFPB Complaint as U.S. Veterans. 

2. The 2nd Letter received was from the XXXX Office with the same date of XX/XX/XXXX which is inaccurate full of untruths. Contrary to this letter, we reached out to correspond with Rushmore on several occasions via email and phone with no response from the original SPOC - XXXX XXXX - until XX/XX/XXXX. After several attempts and a prior CFPB complaint, XXXX XXXX, finally reached out in XX/XX/XXXX and we spoke about the current Forebearance and the fact that it goes through XX/XX/XXXX. 

We also specificallly spoke about the Loan Modification application being submitted by the end of the Forbearance to roll-in the loan balance/restart loan at 30 yrs, once we submit the application with updated income. Therefore, this letter is also a form of retaliation because we filed various CFPB Complaints regarding Rushmores treatment towards U.S. Veterans and XXXX Minorities. 

Although, Rushmore reassigned the case to another SPOC, does not negate the fact that they have discriminatory practices towards XXXX Minorities and U.S. Military Veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: MO

Complaint narrative:
CFPB, Please accept this complaint as a formal notice that Experian is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX with an account number of XXXX on XX/XX/XXXX ( attachment A ). Experian received my letter on XX/XX/XXXX. I informed them that this account is no longer supposed to be reported negatively and supplied Experian with documentation supporting my dispute ( attachment B ). After recent review of my credit report furnished by Experian, I noticed that their company did not update the information to the appropriate monthly payment history of OK, for all months reported and account status of paid as agreed. This account should have NO negative payment history and they have not corrected the inaccuracy after being informed. The account number was also changed and they are reporting and inaccurate open date of XX/XX/XXXX. The original account number should be XXXX. And the accurate open date is XX/XX/XXXX and is being reported as such to XXXX ( attachment C ). Experian is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness.

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