vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
Bayview Loan Servicing Company took advantage of me and refinanced my home at an alarming interest rate. When I tried to get out of the situation, as I was no longer working, ( retired ) and could no longer make the payments, they were unwilling to help me find a solution. This happened on or around XXXX. They harassed me by calling me multiple time throughout the day, but never tried to assist with helping me find a solution on how to repay on the refinance. I'm a XXXX year old XXXX woman I was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had 3 fraudulent debit card charges that I did not make. There were two charges from XXXX for {$8.00} each, one charge from XXXX XXXX XXXX for {$86.00}. All of these charges occurred on XX/XX/2020. I reported the fraud to my bank account Chase on XX/XX/2020 by calling them over the phone and I filed a debit card fraud claim. Within a few days I received a temporary credit for all 3 charges. On XX/XX/2020 Chase cancelled the temporary credits. I called Chase on XX/XX/2020 and they told me my fraud claim was denied because I have done business with XXXX in the past. I have a XXXX account but, my monthly recurring charge from XXXX was {$17.00} and is now {$14.00} ( because I downgraded my plan ) and occurs on the XXXX of every month, which is a different amount and day of the month. I've attached my XXXX account showing the amounts and dates are different than the {$8.00} fraud charges. I've never done business with XXXX XXXX XXXX ever. When I spoke to Chase over the phone on XX/XX/2020 they refused to refund the fraudulent charges, I asked if I could appeal the decision because I did not make these charges, they said no and they told me I had to contact the merchant to get the funds refunded. XXXX on their own refunded one of the {$8.00} charges themselves. On XX/XX/2020 I went to a Chase branch ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) And asked that my account be closed. I did not make these charges. My account is supposed to be protected if fraud occurs but, Chase Bank did not protect my account and then refused to reimburse me for the fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-15 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: FORD MOTOR CREDIT CO.
State: WA

Complaint narrative:
I have been called daily, and usually more than once a day by Ford Credit asking to speak with someone whom I do not know. I do not  have any accounts with Ford or Ford Credit. I have talked to 5 different Ford representatives ( most recently on XX/XX/2020 ) who have all claimed to take my phone number off of their list however they continue to call. 

The phone numbers they typically call from are : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CA

Complaint narrative:
Hello, I have been contacting Experian, XXXX and XXXX   since XXXX of this year to inform them that the information they are reporting is false. Originally I had different names, addresses a different social security number and 5 accounts on my credit. I have sent them a police report and they have removed the names, addresses and social but have failed to remove the 5 accounts that are detailed in the report. I have called and have not been able to reach anyone by phone. I am requesting your assistance .... i know we are in an economic disaster but it shouldn't take this long. 

XXXX XXXX XXXX XXXX??? Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number 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 2020-08-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I originally opened up a dispute file with Equifax. They did respond within a timely manner. However, I did not completely agree with their investigation. An investigation was open due to the fact of an old account on my credit report that I wanted removed. I had no use of that account, never authorized or used it. I agreed with the removal of the account, but didn't think it was ethical for them to take away 105-108 points off my credit score! As I explained to them, I'm only trying to rebuild my credit. I do not abuse it in any way. 

After that response, partially agreed to their investigation of the removal of that account. I reached back out to Equifax, through email once more on XX/XX/XXXX. Letting them know that the amount of points deducted was extreme! Another so-called investigation was was done. Their actual response was repulsive! I asked if they could recalculate/reconsider my score. Well, they did nothing, Only to say that the Following Consumer Statement has been Added/Updated to my credit file. Needless to say, NOTHING changed! My starting score, after applying for a credit card and being approved was XXXX, then as of XX/XX/XXXX dropped to XXXX! 

I'm asking for a recalculation/reconsideration to my credit score. Feel as though I am being severely punished ( 108 points ( Equifax ) deduction to be exact, 105 points deducted on XXXX XXXX ) all because I'm trying to clean up my credit report, meanwhile rebuild as well. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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:
XXXX, Experian, amd XXXX refuse to remove several accounts and inquires off my credit report Ive filed identity thief claims and shown proof they refuse to update my credit report neither have they sent me requested information stating how was the account verified they are mixing my information up with a person who have the same name as mine listed addresses and accounts Ive never been associated with this has been going on for the last 2 yrs

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 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
We would like to know why we have paid over {$1000.00}. in payments in the last 6 mos. yet my balance has only gone down {$140.00}. My husband has been out of work since XXXX due to the pandemic, yet we have still always paid more than the minimum payment and always on time. Last month we were only able to pay {$130.00}, still more than the minimum due, but my balance went up {$22.00}. When we made a {$200.00} payment, the balance only went down {$50.00}. It doesn't seem right that the interest and fee every month comes to more than the minimum payment, even though we have never made just the minimum payment. We have other Synchrony accounts, including Conn 's, and Chevron. We have had no problem with these. The course of the Care Credit account seems outrageous but we would like to think it is some sort of error that will be corrected. We have tried to contact them on their website but nothing would go through. I have tried calling, but we get put on hold and disconnected.

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 2020-08-15 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase/ Southwest Credit card was intercepted and false charges made. Card was cancelled by Chase. New card sent, that card intercepted and false charges made. Chase cancelled that card. Per Chase security, they received a call, that was recorded, requesting to change the PIN number for the card. They did not allow it. I received a third card, different number via mail again. I called Chase to verify receiving the card in the mail. Was informed about above requested change in PIN, they verified my voice on line to recorded voice used to try to change the PIN. CHASE instructed me to destroy that card and sent out a new card via XXXX. I called and verified the card. Also per their instructions made up a personal password for this card. I am XXXX yrs old, live with my daughter and was instructed to send this report to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: TX

Complaint narrative:
XXXX, XXXX, amd Transunion refuse to remove several accounts and inquires off my credit report Ive filed identity thief claims and shown proof they refuse to update my credit report neither have they sent me requested information stating how was the account verified they are mixing my information up with a person who have the same name as mine listed addresses and accounts Ive never been associated with this has been going on for the last 2 yrs

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 2020-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, XXXX, amd XXXX refuse to remove several accounts and inquires off my credit report Ive filed identity thief claims and shown proof they refuse to update my credit report neither have they sent me requested information stating how was the account verified they are mixing my information up with a person who have the same name as mine listed addresses and accounts Ive never been associated with this has been going on for the last 2 yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CA

Complaint narrative:
Hello, I have been contacting XXXX, Transunion and XXXX   since XXXX of this year to inform them that the information they are reporting is false. Originally I had different names, addresses a different social security number and 5 accounts on my credit. I have sent them a police report and they have removed the names, addresses and social but have failed to remove the 5 accounts that are detailed in the report. I have called and have not been able to reach anyone by phone. I am requesting your assistance .... i know we are in an economic disaster but it shouldn't take this long. 

XXXX XXXX XXXX XXXX??? Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number 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 2020-08-15 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: CA

Complaint narrative:
Hello, I have been contacting XXXX, XXXX and Equifax since XXXX of this year to inform them that the information they are reporting is false. Originally I had different names, addresses a different social security number and 5 accounts on my credit. I have sent them a police report and they have removed the names, addresses and social but have failed to remove the 5 accounts that are detailed in the report. I have called and have not been able to reach anyone by phone. I am requesting your assistance .... i know we are in an economic disaster but it shouldn't take this long. 

XXXX XXXX XXXX XXXX??? Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: OR

Complaint narrative:
In late XX/XX/XXXX or early XX/XX/XXXX I was contacted by a firm calledXX/XX/XXXX, XXXX, claiming I had stopped making payments on an account I had with them. I notified them that I had never had any account with them, and to send me all documents repeated to the account. I was sent a number of account statements, but they refused to send the original contract or provide details as to how, when, and by whom, the account was opened. They stopped responding to my correspondence I was subsequently contacted by a firm called Velocity Investments , LLC. This firm claims to have purchased the original account. Again I requested all documents I'm entitled to under the FDCA. Again, no response. This firm has now filed a law suit attempting to collect the debt.

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 2020-08-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Im sending out this complaint because its been 3 months since I havent received my unemployment card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I HAVE APPLIED FOR A VA IRRRL REFINANCE. I CALLED PENNYMAC MY CURRENT LENDER FOR THE LAST 3 WKS TO PROVIDE A COPY OF MY NOTE ; WHICH WAS NOT INCLUDED IN MY TITLE PAPERS. HOWEVER, EVERYTIME I CALL I GET A DIFFERENT RESPONSE AS TO WHY I CAN NOT OBTAIN THIS DOCUMENT. 
THE LENDER I APPLIED NEEDS TO NOTE TO COMPLETE THE LOAN PROCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian credit reporting agency ( also : experian information solutions inc. ) has mis represented information on my credit report for several months now, and i have been diligent in my efforts to aid them in fixing, however, I just found out today that I was rejected for a vital EIDL aid BECAUSE they reported an inaccurate score to the sba. They are the direct and proximate cause of loss and injury to myself and XXXX XXXX Phone records and recording will show that I tried many times to deal with the company on the matter, however never gotten anywhere, I am now seeking administrative remedy and will pursue punitive damages and recompensation for the harm cause to myself and XXXX XXXX by the information agency and request that the cfpb intercede as to ensure there is no reprisal or further mismanagement or my record as a result of future proceedings. The damage is directly related to the fact that experian did not publish my student loan information and thereby produce a credit score. The student loans are federal loan managed by XXXX. I spoke with XXXX and they assured me that they report the loan information to all three major bureaus, to include experian. The information reports correctly on XXXX and XXXX but not experian. I request swift action be taken.

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 2020-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I asked them to delete me from their records. This is the email answer I received. Why can't they delete me in my entirety from their information. I haven't had anything to do with loans for over 3 years. I don't remember ever having anything with Speedy Cash. I have been a victim of ID theft and do not want my information out there. 
RE : Inbox x Speedy Cash Tue, XX/XX/XXXX, XXXX XXXX ( 11 days ago ) to me Dear XXXX XXXX XXXX, Thank you for contacting us. Unfortunately, we are unable to honor your request to delete your account information as we are legally required to keep your information on file. Note that you will only receive future communications from Speedy Cash that are legally mandated. 

Thank you for choosing Speedy Cash. 

Sincerely, Customer Service Phone : XXXX Fax : XXXX Email : XXXX From : Sent : XX/XX/2020 XXXXXXXX XXXX  XXXX To : XXXX Subject : Delete me from your system. Unscribe. 
XXXX XXXX XXXX This email was sent to XXXX This email was sent by Speedy Cash XXXX XXXX XXXX XXXX, KS XXXX XXXX Speedy Cash. All Rights Reserved. This email was delivered by Speedy Cash as a confirmation of your account activity. 

We respect your right to privacy - view our privacy policy Update Preferences | View in Browser This email message contains information from Speedy Cash and is confidential. The included information is intended only for the use of the individual or entity named above. If you are not the intended recipient, be aware that any disclosure, copying, distribution, or use of the contents of this message is prohibited. If you received this email in error, please notify us immediately by telephone at XXXX or email at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
NOT A DUPLICATE COMPLAINT. Chase lying to the CFPB to avoid accountability. 

TIMELINE OF EVENTS XX/XX/2020 - Contacted chase regarding a charge that the company said they would refund. I provided the acknowledgement from the company of return. 
XX/XX/2020 - Chase notified me that they would not honor the dispute since the company claimed I had not returned it. They gave me 14 days to respond. 
XX/XX/2020 - I provided the written acknowledgement from the company of the return again via. Chase 's secure messaging center ( their requested method of response ), and by filing a complaint with the CFPB ( XXXX ). ( DOCUMENTATION ATTACHED ) XX/XX/2020 - Chase lied and said that I had not responded to the dispute and they closed in the merchants favor. ( DOCUMENTATION ATTACHED ) This was both a day early and misrepresented the fact that I had responded in the medium they required. 

XX/XX/2020 - Chase lied to the CFPB and claimed that they reopened the dispute on XX/XX/2020. I contacted Chase on XX/XX/2020. I spoke with XXXX in the dispute department. They told me that they never reopened the dispute. They indeed had spuriously closed the claim in bad faith. 

It appears that Chase is lying about the obvious facts in an attempt to override consumer rights because of a prior agreement with Amazon. This is fraud. I have provided all the relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ALLY, the lender, refused to release MY title, the car was paid off XX/XX/2020

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 2020-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prosper Marketplace, Inc.
State: OR

Complaint narrative:
In late XXXX or early XXXX I was contacted by a firm called Proposer Funding, LLC., claiming I had stopped making payments on an account I had with them. I notified them that I had never had any account with them, and to send me all documents repeated to the account. I was sent a number of account statements, but they refused to send the original contract or provide details as to how, when, and by whom, the account was opened. They stopped responding to my correspondence I was subsequently contacted by a firm called XXXX XXXX, XXXX. This firm claims to have purchased the original account. Again I requested all documents I'm entitled to under the FDCA. Again, no response. This firm has now filed a law suit attempting to collect the debt.

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