vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SRA Associates, Inc.
State: IL

Complaint narrative:
Attached written collection Letter sent to me with bogus telephone number XXXX, I called this number - I recorded their message for my protection during my attempt on XXXX their message tells me please hang-up at the end, message would not take any message from me, gave me no options to talk to anyone. I am glad I recorded them. I have called numerous times and same result, no one answers, will not take messages, states please hang-up. I have never been billed for {$1400.00} from anyone, I have no outstanding debt or loans. I am XXXX. While employed with the XXXX  XXXX I was notified by XXXX my identity Personal Id /SS was stolen, also later, I was notified one of the three collection bureau computer system had been breached and my PI was also stolen? Please investigate SRA Associates ( XXXX XXXX XXXX XXXX, etc ) regarding this fraud and take appropriate enforcement and notify me of FTC investigation - results in writing XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to get this one item off my report due to it being over 7 years old with no luck. The account in question is XXXX XXXX Acct # XXXX. I have tried 2 times without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: IL

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/2020 amount {$1100.00} ( Chapter XXXX bankruptcy discharged 1XXXX amount {$0.00} im a victim of identity theft filed ftc police report items where removed found unverfifiable they haved returned after my request to remove and block filed complaint with XXXX Experian 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 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
With being out of work, especially in this time of COVID-19, at times our credit card payment has been late- but still, has been payed. Chase keeps lowering our credit limit to reflect that we are now over our limit then tacks on over the limit fees, in addition to the late fees. They then report to the credit bureau that we are both late AND over the limit! If I am late on a payment, I understand paying the late fee, but 3 times now they have lowered our limit so that now we are paying additional " over the limit fees ''. This is wrong. We are still paying but with this tactic we will never get ahead, while they make more money. This is truly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
I have 60 days late payment reported on my credit History on XX/XX/20 by roundpoint mortgage. I refinance the house in XXXX, and I had closing done in mu home. I sign the auto deduct form to roundpoint on the day of closing, and was told that payments will automatically deduct, when they are due. Couple Months later I got a letter from them that I am late on payment. I called them and explain them the same thing, they waive the late payment and I paid them all three month of payment on same day, and since then I am auto paying the payment on time with no issues. I was told that it will not be reported on my credit report as it is not my fault, but a communication gap on the Roundpoint side.

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 2020-03-28 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: IL

Complaint narrative:
Equifax is reporting XXXX XXXX ACCT # XXXX as a ( OPEN ) acct with no Limit a balance of {$2300.00} with a payment of {$60.00} XXXX XXXX reporting on the same acct # XXXX acct was closed XX/XX/XXXX but still being reported as paid on time XX/XX/XXXX with a Limit of {$2500.00} a balance of {$2300.00} with a payment of {$60.00} on a reported of a closed account. 
XXXX XXXX XXXX ACCT # XXXX is reporting no limit {$0.00} balance {$1800.00} closed but reporting as of XX/XX/XXXX payments on a closed acct of {$93.00} with a Remark stating account closed by creditor. XXXX XXXX is reporting the same name with a acct # of XXXX with a limit {$1700.00} balance {$1700.00} acct closed XX/XX/XXXX still reporting as of XX/XX/XXXX with a payment of {$93.00} on a closed acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have tried blocking this company but they continue to call all day and from different phone numbers. all day, all weekend and it is stressful. I have blocked about 12 if not more of the phone numbers they call from. ( see below the numbers they continue to call me from ) The caller ID reads Portfolio Recovery. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. So as you can see they call all day everyday for months.I have spoken with someone and have asked them to stop calling my number it is harrassing. Obvisously my request fell upon deaf ears.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
As a homeowner whose XXXX  was forced to close due to NY State executive order regarding COVID-19, I have made numerous attempts over the past 7 days to contact my mortgage servicer - Mr. Cooper. I have e-mailed them, sent them messages using their online secure message center, and attempted to reach them by telephone. On three separate occasions, spent over 5 hours on hold, to no avail. Online review website XXXX  is filled with similar complaints. At a time when most people need to reach their mortgage service provider, Mr. Cooper has been completely absent in providing any type of customer service whatsoever. This is simply unacceptable, to ignore a paying customer for over 7 days. I understand these are unusual circumstances, but a company should have its act together and anticipate an increase in call/e-mail volume. I'd like the CFPB to kindly investigate their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I enrolled in Pnc purchase pay back program. I signed up for the XXXX XXXX  pay back to receive 10 % of the purchase. I made a purchase on XX/XX/2020 for {$1500.00}. I was to receive {$32.00} which was the maximum amount on the XX/XX/2020 but never did. I filed a dispute within the bank but the bank never deposited the {$32.00}. I called again today and was not provided no assistance or explanation. I would just like the {$32.00} indicated under the purchase pay back program. I followed the rules and it is wrong for the bank to cheat customers after the transaction has been completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Three weeks ago XXXX mailed checks to Chase Bank to transfer the balances to XXXX. Only one payment was applied to my credit card with XXXX XXXX XXXX ( {$2300.00} ) and they still charged about {$27.00} to the account once it was already paid. 

We're on week three, XX/XX/2020 and the payment of ( {$5000.00} ) has not reflected my other credit card and they still charged my bank account the interest for this month. 

This is honestly showing that Chase Bank is doing this on purpose because they're trying to collect as much interest as they can. 

Receiving one payment only proves that they're holding off on the second payment to continue putting me in debt. It's unacceptable. 

XXXX confirmed that everything they needed to do on their end was completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a Chase Freedom credit card on their website on XX/XX/19. Because there is an extended fraud alert on my credit file, it took an additional 8 days to get approved. I was approved on XX/XX/19 with a credit limit of {$2200.00}. I did not receive and activate my card until XX/XX/19. At that time I setup my online account and activating of my free credit monitoring account. 

Shortly after, about 8 days, my card/ was cancelled and the account closed. I did not receive any notification prior to doing that from Chase. I contacted Chase several times and was not given a clear explanation as to why I was approved for an account and then 8 days later it was closed by Chase. 

I received notifications from my credit monitoring apps that there was a closed account added to my credit file by Chase for this credit card that they closed. It caused my credit score to drop substantially.I contacted Chase and also wrote then goodwill letter asking to remove this account, as it was closed without explanation and also only open 8 days. I also explained to them that credit reports every 30 day account info and this account was not open even 14 days to report anything. I advised them that creditors aren't required by law to report borrowers ' account information to the credit bureaus. They replied back that they are with no documentation backing up that claim. 

I also notice conflicting info on each credit bureau report about this Chase account. XXXX  is listing a open date of XX/XX/19 and a close date of XX/XX/19. 
XXXX  is listing an open date of XX/XX/19 with a close date of XX/XX/19. 
XXXX  is listing an open date of XX/XX/19 and a close date of XX/XX/19 As you can see, these dates contradict and do not coincide with the dates that were actually listed as the application, approval, and activation of this account. So I would like Chase to please petition to remove this account from my credit file on all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am currently trying to refinance my home mortgage. I have a 2nd mortgage through Wells Fargo. I need to get my loan payoff amount. 

When I go into a branch they tell me that they do not have that information and can't help me get it. They tell me to call the phone number. 

When I call the phone number I am placed on hold for several hours and then hung up on. I have tried several different numbers. 

I have been trying to get this for the last three days. The loan that they have from me is a very high interest loan and would be in their best interest to not help me get rid of it. This seems like a stall tactic to get their loan on the books. 

All I want is the payoff amount. 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 2020-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC
State: AZ

Complaint narrative:
XXXX ( XXXX ) XXXX Is the number is the number that has been calling me and my wife repeatedly XX/XX/2020 XXXX message left indicating that me or my lawyer needs to call immediately, I called back and spoke to a man named XXXX. He said He was looking for a XXXX XXXX XXXX. I told him that was not me please take me off the list XX/XX/2020 XXXX Message left, I called back and spoke to a woman and again aske her to take me off the list XX/XX/2020 XXXX Same agency called my wife XX/XX/2020 XXXX called my wife XX/XX/2020 XXXX called my wife XX/XX/2020 XXXX XXXX  called my wife XX/XX/XXXX XXXX I called them and l/m for XXXX to call me back to we can once and for all stop the harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX amount {$1100.00} ( Chapter XXXX bankruptcy discharged XX/XX/XXXX amount {$0.00} im a victim of identity theft filed ftc police report items where removed found unverfifiable they haved returned after my request to remove and block filed complaint with transunion 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 2020-03-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX amount {$1100.00} ( Chapter XXXX bankruptcy discharged XX/XX/XXXX amount {$0.00} im a victim of identity theft filed ftc police report items where removed found unverfifiable they haved returned after my request to remove and block filed complaint with XXXX  XXXX  Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: GA

Complaint narrative:
in 2019 a lady stole my Identity from her job. I was given min, information about her. I did have to sue the company and they had to prosecute her. She made a fake Id with all my info. obtained loans, lines of credit, credit cards, and student loans for the most part. She had worked with them some years stealing over 20 peoples info. I also have 2 accounts one with XXXX and one with XXXX XXXX the attachments are here. XXXX I was an AU on my sons account and XXXX it was reported closed on my line of credit and it is not. I also have a XXXX  card that was removed due to the fraud and applied back on my account recently. I never had a XXXX  card acct number XXXX for {$27000.00} I have 1 XXXX  that I do not want you to touch which is for {$1000.00}. After my case the judge granted that I was not liable. XXXX XXXX COLLECTION PURCHASED THE DEBT AND REPORTED IF AFTER IT WAS VALIDTED NOT MINE. THE LADY OPENED THE ACCOUNT WITH THEM THE ACCOUNT NUMBER IS PA XXXX ... THAT NEEDS TO BE REMOVED IMMEDIATELY AND BLOCKED. I just got the fraud alerts off so I can purchase my home and all this stuff happened back to back preventing me from closing. If you look at my files I pay everything on time! I need these removed immediately. FTC ATTACHED, MY REAL ID 's attached, ss card attached, the thief 's fake Id attached, bill attached, police report, ftc, XXXX letter and XXXX attached and notary attached. I live 6 months in XXXX  and 6 months in XXXX. my job has been like that for 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These 3 accounts are not mine, my name is incorrect. Please remove this issue.

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 2020-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Hello. Due to the coronavirus pandemic, my fiance lost his job on XX/XX/2020. We have a mortgage together with Caliber Home Loans. We called to find out whether we can defer at least a payment or two and were told that the only program they have available is forbearance. We can forbear our payments for up to three months, but at the end of that period, all payments " missed '' would be immediately due. How is that supposed to help anyone at this time????? I just looked on their XXXX page and that is the same complaint everyone is having. I provided other consumers with the link to this complaint page and was removed from the Caliber Home Loan page. 

In addition, we had work done due to a mold issue, and they had to co-sign on the check provided to us by the insurance company to give to the construction workers. We have never been late, ever, on our mortgage, and nothing is due to them at this time ( until XX/XX/XXXX for next mortgage payment ) yet according to what I just saw online today, they are only signing off on half of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These 3 accounts are not mine, my name is incorrect. Please remove this issue.

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 2020-03-28 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: NV

Complaint narrative:
These 3 accounts are not mine, my name is incorrect. Please remove this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX i called my mortgage company and i have advises them i was laid off due to this Corona virus and she told me they will mail a paper work for me to fill out so i got a letter from them starting that i have {$1700.00} due for XX/XX/XXXX and i have {$1700.00} due for XX/XX/2020 and i got a late fee of {$69.00} for the month of XXXX and per the government rule 's there is going to be no late fee and they are still charging them and every time i call they are not willing to wave them and they hang up on me saying sorry that u are falling that way ... 
I am tired of their horrible customer service in they are not willing to assist people at all in the only option they're giving me is refine ance and I bought my house 3 years ago and I don't wan na go ahead and refinance with them I want to go ahead and get my loan out of their to somebody else because their service is horrible

Company response to consumer: Closed with explanation