vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have disputed this account multiple times with Wells Fargo, and they have continued to kick the can down the road, they respond with letters telling me they will respond, then they send me a letter demanding more information from me, when they are the ones furnishing said information. I've asked for your help before because I don't know where else to go, please help me, they are reporting incorrect information and stalling on responding. They have committed multiple violation of the FDCPA and FCRA, they still have not responded to my original dispute, they just keep stalling. I need help!

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 2020-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have no idea what this is or where its from

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have no idea what this is or where its from

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
about XX/XX/2020 I received 2 separate debit cards in separate envelopes that I had NOT applied for from the Chase Bank. Two days later received two separate letters from the Chase bank with copies of cancelled checks, stateing that they were not opening an account for me -- -an account I HAD NOT APPLIED FOR! ( We have NO accounts with Chase Bank and there is no Chase Bank anywhere near us! ) Not knowing if these letters were from a bogus place, I contacted our local bank and they put me in touch with XXXX XXXX. I found that someone had stolen my idenity and had set up at least 2 accounts with Chase Bank and tried to set up more. With XXXX XXXX  help, I contacted Chase Bank on XX/XX/2020 and talked with their Fraud department and gave them all the information they requested. They assured me they would follow up and handle it so that my good credit would not be damaged. I followed the directions of XXXX XXXX  and filed a report with the local Sheriffs dept., contacted all the agencies they recommended and thought it was corrected at the Chase Bank. Since then I have received statements from Chase, first detailing I have a Minus balance ( on two different accounts ) but now I am receiving statements from Chase and the minus balance has changed to a POSITIVE BALANCE and they are demanding payment. So once again I called the Fraud dept. of Chase Bank onXX/XX/2020 and talked with a rep. She went through the computor and SAID SHE FOUND NO RECORD OF ANY REPORT BEING FILED IN XXXX OF FRAUDLENT ACTIVITY! I was on the phone in XXXX for almost an hour with the Chase representative but no record was found anywhere. So once again I talked with my contact at XXXX XXXX and I again had to file with the fraud dept at Chase Bank. I have spent hours dealing with this and can not understand how something so simple as a report given to a person with a computor is not logged properly. I was on hold to talk to the Chase bank on XX/XX/2020 for 1 hour and 45 minutes and another hour getting this straightened out!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: NY

Complaint narrative:
Division of Child Support Amount {$990.00} XX/XX/XXXX NYS Department of Social Security Services Amount {$1700.00} XX/XX/XXXX These accounts must be removed immediately. They do not belong to me an they are not LINES OF CREDIT. I will file a lawsuit if they are not removed.

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 2020-04-06 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: NY

Complaint narrative:
Division of Child Support Amount {$990.00} XX/XX/XXXX NYS Department of Social Security Services Amount {$1700.00} XX/XX/XXXX These accounts must be removed immediately. They do not belong to me an they are not LINES OF CREDIT. I will file a lawsuit if they are not removed.

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 2020-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I have not been allowed to send or receive any money for over a year and am being treated like I am a criminal without basis. I was sending money to XXXX to my friend who is a widow and with child. I was sending money to my family in XXXX where I am originally from. Not a lot of money ; just enough to support her and her child in XXXX and my family in times of need. Then someone that is not a US citizen calls me from Western Union and asks me questions that I answered honestly and without hesitation only to be banned from sending and receiving any money from Western Union and XXXX forever. I do not believe non citizens should have this kind of control on US citizens. Kinda scary. I thought the ban would go away only to find out it is indefinite. I have heard from others who send money to XXXX that have had the same happen. I am where I am from. I should not have to cut ties from everyone I know because some foreigner thinks I am being a XXXX by sending a couple XXXX dollars that doesn't even buy dinner for a family in XXXX to starving people that can eat for a month. I would like my rights reinstated and taken off whatever list I am on because XXXX banned me the same time without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: GA

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$440.00} XXXX  XXXX {$4200.00} DEPTEDXXXX XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: GA

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$440.00} XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
XXXX  @ huntington contacted us to fill out a packet and return via email to them to stop the foreclosure process on XX/XX/20 we emailed hem the information they requested. Next day another email came in saying they couldnt open the emails, so we emailed the packet again on XX/XX/20. In the mail on XX/XX/20 we received a letter from Huntington bank stating Notice of Intention to Accelerate and Foreclose if payments were not received by XX/XX/20. We tried to ask via email a contact name for our case with no response. We tried to call on XX/XX/20 and not one single person in the department at XXXX that day. As of today XX/XX/20 we still have had no response from Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX {$140.00} XXXX  XXXX {$26.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a XXXX XXXX  Home Mortgage Loan ( Loan XXXX ) serviced by Fifth Third Bank ( XXXX ). I am current in all aspects through XX/XX/20. I called the Bank to take advantage of the XXXX XXXX forbearance program today as the Coronavirus has negatively impacted my business. Fifth Third said they are NOT offering the XXXX program but put me into their deferral program. This is an ENTIRELY different program than the program offered by the Federal Agencies who own my loan ( amongst others of course ). 

Please compel my servicer to comply with this Federal Program. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: TX

Complaint narrative:
I filed a dispute with Experian XX/XX/XXXX to dispute three accounts after checking my credit report. 

I do not recognize XXXX XXXX XXXX  as someone I owe and they have not been able to furnish a contract or a HIPAA agreement that gives the creditor permission to report to EXPERIAN or any credit reporting agencies, or that this debt was purchased by XXXX XXXX XXXX XXXX or that they are acting on their behalf through an assignment. 

With XXXX XXXX XXXX XXXX XXXX ( XXXX  ), the account is paid in full XX/XX/XXXX and they continued to mark the account as CHARGED-OFF XX/XX/XXXX and XX/XX/XXXX which is not only inaccurate but furthers the First Date of Deliquency to XX/XX/XXXX. So this debt has been re-aged. CDIA states that a CHARGE-OFF is an " unpaid balance reported as loss '' even though the account has been satisfied. 

XXXX XXXX reported after my dispute that the account on XX/XX/XXXX is also CHARGE-OFF which by the CDIA means that there is an " unpaid balance reported as a loss '' however the ccount was written off for {$0.00}, no prior late payment between XX/XX/XXXX and XX/XX/XXXX, and the account was satisfied XX/XX/XXXX through XXXX. This account also been re-aged. Please note that this account was also removed in XX/XX/XXXX by Experian due to the account being inaccurate or unverified. 

EXPERIAN did receive the receipts I have provided and through my case manager Ms. XXXX XXXX have acknowledged that the information I have provided matches what XXXX and XXXX XXXX provided. Attached to this compliant is call made to Experian and my case manager Ms. XXXX, where I asked about Experian 's policies and determination of the results given to me. These actions are in violation of 611 ( a ) ( 5 ) ( A ) and reinserations in FCRA 611 ( a ) ( 5 ) ( B ). 

Yet the reporting these companies have made are incorrect also violate of FCRA 623 ( a ) ( 8 ) ( E ) and I have yet to receive the documentation as stated in FCRA 609 ( a ) of my consumer file for further examination.

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 2020-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I had internet service with XXXX but due to poor service and bills coming late, poor customer service, service was disconnected in XX/XX/XXXX. I completely moved out of the state to another. I started getting calls about service and they wanted to make it right. I informed the office of the President for XXXX that I no longer lived in the state and did not need their service. They apologized for the error and said I will not be contacted again. Service was disconnected and no balance was remaining. Some how, I started getting phone calls from a collection company called MRS BPO. I instructed them to stop calling me and if They believed I owed a debt to put it in writing, as I did not owe a debt to them nor XXXX. They became rude and obnoxious. The persisted with calls, now they have intentionally and willfully placed false claim of debt on my credit profile. Moreover, they made they start date of service XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I was placed on a payment plan and was told it would not affect my credit. They told me that if I completed the payment plan as stated that the remarks on my credit would be deleted. The account has since been paid off and those negatives were never taken off my credit. It has affected me being able to purchase a home. With the COVID 19 rules in place, the restrictions are stronger leaving us without the ability to get a home. Please help us in getting this resolved. I have contacted a lawyer to help with this situation as it has been asked numerous times with the company to of Nationstar to take care of it, but they will not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I've used quick pay with XXXX for sending money to and from my two bank accounts with different bans. I have a checking account with XXXX XXXX XXXX which I pay all my bills with and I have a checking account with chase that I deposit my checks into. ive been using XXXX to transfer money for well over a year and never experienced the problem. 
on XX/XX/2020 I tried sending {$700.00} usd from my chase account to my XXXX XXXX XXXX account, but accidentally sent it from my chase account to my chase account. I received an email right away from chase on XX/XX/2020 stating that I received a XXXX   payment of {$700.00} usd, but the money was taken out of my account and it is still not in my account. today is XX/XX/2020. I've been on the phone with chase three times for a total of about 6.5 hours and the problem I still not solved. they told me that the problem didn't occur on their end which doesn't make any sense because I received the email saying that it went into my account but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Hello. I am so frustrated. I have been a member of Chase bank ( or its prior owners ) for almost 40 years. Every month I deposit checks of {$4000.00} - {$6000.00} to cover my bills and auto payments. On XX/XX/XXXX I deposited a {$5000.00} check and received written confirmation that the funds would be totally available on XXXX. My mortgage payment drafted on XXXX and Chase sent me notification that they decided to place a 10 day hold on this check. They bounced my mortgage check. I tried to call and waited 3 hours on Friday XXXX and finally hung up. I tried again later that day and hung up after 2 hours. I tried to find a place online, but they said they wouldn't return email messages for at least 7 days. Today ( XXXX ) I woke up and called and after 45 minutes got a real person. She was sympathetic but told me it wasn't her department and transferred me to the check hold number. She also gave me the direct number ( thankfully ) After 50 minutes I was bounced off the call. I am currently 55 minutes in to my next hold ( they said 15 minutes ). The money was drafted from my checking account on XXXX and now I have no access to these funds and nobody to talk to. My mortgage has been bounced and any other drafts cant be stopped at this point, so will likely also be bounced. I cant believe they can send me notice that the funds will be available on XXXX, and then change their minds? 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express has continuously posted fraudulent charges on my credit card account, which I have disputed month after month. Currently, there are 3 fraudulent charges posted to my American Express credit card account. 

The first charge is a repeated fraudulent charge of {$99.00} from an American Express sponsored subscription ( XXXX XXXX XXXX ) posted to my account on XX/XX/2020. In XX/XX/2020, American Express initially refused to remove a {$99.00} charge from my credit card account, which was posted for the American Express sponsored subscription ( XXXX XXXX XXXX ). However, American Express removed the {$99.00} sponsored subscription charge after I filed a complaint with the BXXXX XXXX XXXX. On the other hand, American Express has refused to remove the current and repeated American Express sponsored subscription ( XXXX XXXX XXXX ) fraudulent charge of {$99.00} from my account on XX/XX/2020 per a telephone call with XXXX at American Express . 

The second charge is a repeated fraudulent charge of {$130.00} from XXXX XXXX posted to my account on XX/XX/2020 and XX/XX/2020. 

The third charge fraudulent charge is an internal American Express charge of {$28.00} ( probably late charges for non-payment ) posted to my account on XX/XX/2020, which is the payment due date for the American Express fraudulent charges. Further, I have not paid American Express for any of the fraudulent charges. 

Further, on XX/XX/2020, I mailed certified letters to American Express XXXX XXXX, TX and XXXX XXXX XXXX, Utah offices regarding the removal of the fraudulent charges from my credit card account, but have not received the return receipts or any other response from American Express as of XX/XX/2020. Lastly, I believe American Express is targeting senior citizens, like myself, in attempt to collect fraudulent charges to increase the company 's revenue. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
**THIS IS NEW ORIGINAL INFORMATION** Attached is a letter I found from Citi Simplicity titled " Account Approval Notice '' dated XX/XX/XXXX - the same month that according to Citi I was already 60 days late. 

I opened the card in XX/XX/XXXX, had identity theft that reached both of my Citi Cards through XX/XX/XXXX. I could not pay online or pay by phone during this time. I had new cards reissued and new accounts apparently. 

THE ATTACHED IS **NEW PROOF** THAT THE COMPANY IS INCORRECT. 

I had previously filed CFPB complaints which were denied by Citi ( XXXX ) and ( XXXX ) Please help me clean my credit so that I can put the identity theft behind me. 

Thank you, 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 2020-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount Recovery Systems, L.P.
State: AE

Complaint narrative:
Im not sure what the debt is for but they called an ex girlfriend of mine who is also the mother of our child. I am XXXX  in XXXX and they should not be contacting ex girlfriends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation