vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
I prequalified for a loan with XXXX XXXX XXXX, XXXX CO in XXXX 2020. 
I went under contract for a new construction home in XXXX 2020. 
I was paid for appraisal on XX/XX/XXXX ( after my Realtor reminded broker to order the appraisal ). 
I was scheduled to close XXXX. 
There were builder delays in closing pushing it to XX/XX/XXXX and then XX/XX/XXXX. Certificate of occupancy was issued XX/XX/XXXX. 
On XX/XX/XXXX, the broker did not have the appraisal to do disclosure notices to close. 
The appraisal was obtained XX/XX/XXXX but was the wrong property. An update was issued XX/XX/XXXX for the correct propety. Disclosures were issued XX/XX/XXXX and closure was scheduled for XX/XX/XXXX. Lender ( Lakeview Loan, XXXX XXXX, FL ) did not prepare closing documents. 
Closing rescheduled for XX/XX/XXXX and XX/XX/XXXX - still no closing documents. 
I have suffered losses due to delays, lost annual leave scheduled for move that hasn't happened, having to " restock '' my household goods in temporary storage, having to stay with friends, etc. I'm also in CO with the super covid bug now in outbreak. This is dangerous and I still have not closed on my home. 
I am still awaiting closing with no hope of it happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: MI

Complaint narrative:
I filed a complaint with CFPB ( Case # XXXX and XXXX ) and received a response from XXXX XXXX XXXX XXXX via CFPB on XXXXBecause i disagreed with erroneous response, I decided to call them ( XXXX ) on XX/XX/XXXX at XXXX XX/XX/XXXX and spoke with XXXX.I explained to XXXX that i wasnt allowed to opt out on new terms when XXXX transferred over to shop your way card, and according to CFPB on new terms, i have the right to opt out.XX/XX/XXXX said we sent all paperwork on new terms via email, since i opted out of mail sent to home.While i was on the phone, I told her let me look up my past emails on my computer as we where talking on the phone.After looking for emails, I stated to XXXX, I looked back to XXXX and there is no emails with new terms or anything regarding the new shop your way card.I also stated to XXXX, all i see is is shop your way adds.Then XXXX said XXXX ok, we sent the new terms and all paper work with new shop your way card.I told XXXX, i did not receive any paperwork with the new card and all i received was the new cardXXXX then said you activated the card! .I told XXXX, I never activated the shop your way card cause i didnt want the credit card.I told XXXX to check her records.Then XXXX said, my card was closed for innactivity.I told XXXX, that all complaint responses from XXXX, experian XXXXXX/XX/XXXX does not say anything about inactivity.Then XXXX said " we can close your account for any reason at anytime '' .I told XXXX, your back pedaling cause my account was closed for erroneous reasons.XXXX  said, CFPB does not control XXXX XX/XX/XXXX buisness practices and CFPB is wrong if they say I have the right to opt out if there are new terms.Then XXXX said your card was inactive for 25 months and we reduced your credit when you had XXXX for that reason without me knowing.I told XXXX, something stinks XXXX something is wrong and what XXXX is doing is very wrong.XX/XX/XXXX stated, we cant help you and parted ways on the phone.Therefore, XXXX closed my account without me knowing during the corona virus pandemic and didnt give me the option to opt out/in on new terms.CFPB states I have the right to opt out/in on new terms.XXXX buisness decision as stated in there response letter, says I dont have a opt out option is violating credit laws and is wrong.And XXXX at XXXX is feeding me a bunch of false information.Because of there actions, this account is closed and this dropped my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
i have account with TD bank XXXX -my name ; XXXX XXXX i went XXXX XXXX XXXXXXXX XXXX-i marked deposit by check {$4000.00} in last XX/XX/2020 XXXX the check not come in my accounting - i asked them they told me there was problem by deposit in wrong number -they did that ) and they cancel the check and return it back for to the bank whose issue the check. i went many times and talked to XXXX XXXX XXXX  who issued it to me they sent formally letter say the check is cashed they sent copy from my check with the stamp from TD bank, my problem with TD bank, please look at attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am un essential worker affected by XXXX XXXX pandemic I was very sick not able to work, speak and eat for several time, My wife contacted credit card banks on my name by phone on XXXX XXXX requesting help with payments assistance with my auto loans and credit card payments because XXXX XXXX pandemic effected me. Home mortgage and auto loans banks and credit cards creditors help me with this request and agree to put my accounts of a DEFERMENT plan FOR 3 MONTHS I was happy with this. BEFORE BEEN INFECTED WITH XXXX XXXX I NEVER WERE LATE ON MY PAYMENTS I HAVE 100 % ON TIME PAYMENTS RECORD. all my family XX/XX/XXXX with this XX/XX/XXXX our economical situation was very bad we only can be thinking in how to fill better to return at work nothing more. 
Later I found a very unexpected notice my credit cards. CHASE XXXX, XXXX XXXX XXXX AND XXXX THIS THREE BANKS reported late payments on my credit reports Missing payments on XXXX, XXXX and XXXX I mailed several dispute letter to credit report agencies XX/XX/XXXX, XX/XX/XXXX and to my creditor but they don't want to correct this wrong information they want me to prove them when I called to request help how can I prove it do I have to record every calls? AT THIS TIME I PAID ALL MY LATE PAYMENTS I AM NOT BEHIND I just want to update my account same status It was before differed payments plan I KNOW I am protected by CARES ACT I LOOSE A VERY GOOD JOB OPORTUNITY BECAUSE THIS WRONG MARKS ON MY CREDIT REPORTS I am looking for legal advice to move this to a court room if this banks don't correct this in 30 days. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
as of today, XX/XX/2021 at XXXX, my cashapp account was hacked and someone was taking money out of my bank card and putting it into cashapp. they took {$60.00} out of my card into cashapp and tried to send money to other people. they reset my cash pin, phone number, and email so that i would not be able to do anything. the person who was in my account used their email which is XXXX. after this occurred, i changed my cash pin on both my cashapp and my bank card and have blocked any transactions or requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: CA

Complaint narrative:
In XX/XX/2020, I switched my automatic payments to pay {$800.00} dollars off my remaining statement balance instead of the the full balance of {$2300.00}. Every month, I typically have my automatic payment on to pay the full statement balance, but due to holiday expenses and my partner 's loss of her job, I wanted to pay increments to make sure we had enough on hand for emergencies before my next paycheck. I received a confirmation that my automatic payments had been modified, and so that month I only transferred enough to my savings account ( which I use to pay off my credit card ) to cover the {$800.00} with a bit extra left over. I then received notice from my bank a week or so later that Chase had tried to charge my savings account for {$2300.00}, the full statement balance. This was obviously a mistake, and I was able to have my bank reverse the penalty charge by confirming with them that this was a mistake Chase had made. I went to my Chase account and made sure {$800.00} was paid manually, but I received no communications from Chase until today, when they notified me via a letter in the mail that they have closed my account because of the returned payment. I've never before had this issue with Chase and it seems i'm being penalized for their mistake with automatic billing on their website/app. I tried to dispute this directly with Chase but two representatives told me that they couldn't reverse the decision nor make sure it would not effect my credit. I have no desire to open a new account with Chase, I would just like to make sure that my credit is not effected by their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: PA

Complaint narrative:
I HAVE UNAUTHORIZED ACCOUNTS AND INQURIES ON MY CREDIT REPORT ACCORDING TO THE FCRA ANY UNAUTHORIZED ITEMS ON MY REPORT MUST BE REMOVED IF NOT 100 % ACCURATE AND VERIFIABLE PLEASE REMOVE THESE ITEMS FROM MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There is a credit check on my account that I am attempting to dispute. The number provided by Experian to contact them regarding this puts me in an infinite loop of phone menu items before it hangs up on me. They need to provide an accurate phone number to contact them, preferably one that's not going to waste peoples ' time with a revolving menu.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I sent out a request for verification on several accounts. It has now been over 60 days since that request, and no response has been received for all to the listed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Lincoln Educational Services Corporation
State: NJ

Complaint narrative:
I have been making payments through out the entire pandemic. I am a single mom, working very hard to keep my child and I afloat in this difficult time. I missed two payments, because they are too high and the company refuses to unserstand/work with me. Lincoln Tech has been harassing me over the two missed payments, calling my JOB! as well as threatening me. Not only this but when I check my credit report it states that this account has been " charged off '' as bad debt and profit and loss write off. Meanwhile, I have been making payments the entire time. This is terrible and they need to be put in their place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Example 1 : XX/XX/2020 : emptied safe deposit box. Was told both keys ( 2 ) were needed to close the rental to the box and I only had one with me. 
XXXX XXXX, 2020 : submitted the 2 keys and was told by branch manager she would email me the confirmation the box was closed. 
XXXX, 2020 : emailed branch manager to follow up. No response XXXX XXXX, 2020 : second email to branch manager. Her response was full of excuses, and grammatical and spelling errors telling me I was not authorized to empty the safe deposit box and they have to go thru their legal department. 

Example 2 : receiving checks for a new checking account with 5 errors in my name & address. This caused an unnecessary delay in obtaining my new checks. 

Example 3 : I requested printouts of specific bank deposits and was told they would be sent to me via email. This was confirmed a week later by a second agent when I followed up. After 2 weeks of not receiving my request, I spoke to a third agent who said fulfilling my request was not possible. 

Example 4 : When closing my fathers account due to his death, an agent told me they could not accept the legal document from NJ as the bank was in NY. This was completely incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: PA

Complaint narrative:
I am XXXX XXXX, writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im assuming that you either didnt receive my letter I sent on XXXX to this date XXXX over 60 days later I have not received a response about these misleading unverified accounts that are reporting to my credit profile. I understand that you receive thousands of disputes each day but on your website it states to specifically disputes through mail which I did. I demand these accounts be removed immediately and to receive proof that you did an independent investigation on the items that are misleading. Thank you I hope to get a response and information resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I've noticed that some accounts have been reported to my credit that doesn't belong to me and I've been trying to work with the credit bureau since XX/XX/2020. My name is a common name and they were reporting a person with similar name and they were able to help me to correct most of them and removed from my credit, but AMERICAN EXPRESS, they insist that those two accounts are mine ( both accounts are closed but one has a balance of {$12000.00}. I called American Express to try to find the account providing my social security and they weren't able to find any account under my social, and now they are sending me to a collection and this is affecting my credit. 
I have been told them that my name is different that the name that they are sending the letters, also the addresses that appear on my credit are from another State that I have never lived there. American Express send a letter on XX/XX/2020 telling that they've verified the accounts an that I was making payments from XXXX  XXXX XXXX and XXXX XXXX accounts which is also incorrect. I don't have any account with any of these institutions. These two accounts belongs to somebody that have similar name and as you can see on the attached letters the name is not my correct name. I will ask you make a deep investigation in this issue as I've been trying to fix it since XXXX and this is affecting my credit score, some companies are reducing my limit and I can't open new accounts. This information is been reported to the three bureaus. 
Credit card companies must have different forms of ID 's on their file to prove that the information is correct. I can proof that I have never have any American Express in my life and I won't open one in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01 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:
I've noticed that some accounts have been reported to my credit that doesn't belong to me and I've been trying to work with the credit bureau since XX/XX/2020. My name is a common name and they were reporting a person with similar name and they were able to help me to correct most of them and removed from my credit, but XXXX XXXX, they insist that those two accounts are mine ( both accounts are closed but one has a balance of {$12000.00}. I called XXXX XXXX to try to find the account providing my social security and they weren't able to find any account under my social, and now they are sending me to a collection and this is affecting my credit. 
I have been told them that my name is different that the name that they are sending the letters, also the addresses that appear on my credit are from another State that I have never lived there. XXXX XXXX send a letter on XX/XX/2020 telling that they've verified the accounts an that I was making payments from XXXX  XXXX XXXX and XXXX XXXX accounts which is also incorrect. I don't have any account with any of these institutions. These two accounts belongs to somebody that have similar name and as you can see on the attached letters the name is not my correct name. I will ask you make a deep investigation in this issue as I've been trying to fix it since XXXX and this is affecting my credit score, some companies are reducing my limit and I can't open new accounts. This information is been reported to the three bureaus. 
Credit card companies must have different forms of ID 's on their file to prove that the information is correct. I can proof that I have never have any XXXX XXXX in my life and I won't open one in the future.

Company response to consumer: Closed with explanation