vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
XXXX XXXX XXXX sent me a debit card that was fraudulent opened with all my information ... .there were no charges and they closed account on XXXX ... .account was opened XX/XX/XXXX using my name birthdate ss # and address and cell phone .... 
Chase bank also same thing someone attempted to open debit card and account with my information on XX/XX/XXXX ... account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: FL

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
This is a follow up on complaint # XXXX Ally Bank has returned my funds in the amount of XXXX However they held my money denied having it sending my back and forth to XXXX until my Personal Banker finally was able to gain a tracker number. After a very lengthy phone call and my receipt on my complaint from your office Ally Swiftly returned my Monies. 

Now they Held my Money from XX/XX/XXXX to XX/XX/XXXX. I opened this account specifically to collect interest. Now they returned my money but I am owed interest from the day I made the deposit until the day my money was returned.

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 monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am applying for a loan with Chase Bank ( XXXX XXXX XXXX XXXX XXXX OH XXXX ). I am buying a second home to live near my parents. Chase agreed to lock in my loan at 2.5 % with 20 % down and told me I was qualified. 

The loan officer said underwriting has questions regarding why I was buying another home nearby my current second home. I explained that this new home has a yard and is a single story. After multiple emails and calls, Chase finally gets back to me right before the close of escrow stating they will only offer me a loan at 30 % down and at a much higher rate of 3.375 %. 

I believe this was unscrupulous of the bank to entice me with a lower loan amount and then delay any correspondence until near the end of escrow with a much less favorable loan. 

My loan officer was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: OH

Complaint narrative:
There are two hard inquiries on my credit report from XX/XX/2020 and XX/XX/2020. The company is listed as XXXX XXXX. I called Equifax and told them that I never applied for a home loan and the inquiries were a result of fraud. I asked Equifax to remove the two fraudulent inquiries but they refused. 
Equifax told me that I needed to find an attorney and complete a Affidavit. I did not make the inquiries so I should not have to go through the trouble of finding an attorney to complete an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2021-03-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have tried all day to get in touch with a voice. 1 hour I was on hold and then I had to hang up, then I call back and I'm placed on hold another 45 minutes then I hang up because I have to work. I'm furious with this company for their horrible customer service, their horrible phone system that you can't navigate through. They must do this on purpose so they don't have to deal with their customers. I know for a fact this is not the first complaint on this horrid company. My next stop is an attorney just because I can't get a voice to help me with our flood insurance and mortgage. But I will get one if I have to. The only way to get a voice is if you push 3 for a new accout. They answer that line right away and then transfer you to another line that just had music for an hour. 

It's terrible and if I don't get in touch with someone I promise you I will do everything in my power to make sure this company knows how horrible they are. I'm begging you to help me. I shouldn't have to beg to speak to a representative from LoanCare but if I do then so be it.

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 2021-03-02 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: FL

Complaint narrative:
Look guys this is ridiculous but I have accounts that are not mine, what shall I do? This fake is damaging my credit score! I field identity theft report, because probably somebody used my personal details otherwise I can no understand what happened ... Could you please give me a feedback and investigate these accounts??? I truly worry about my situation now ... I did not want this to happened therefore please after you check, delete these accounts as soon as possible!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Information and inaccurate reports are being filed and hindering us from doing business. The tortious interference of these companies and their failure to abide by the law in the proper correction, removal, verification, reporting, and/or removal of the information or providing in writing the verification information as requested and lawfully required has caused gross personal/private economic damage and loss.

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 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
I've been communicating with XXXX XXXX about a Line of Credit that I used to have with the bank. That Line of credit is now charged off. On XX/XX/XXXX of 2021 I called their customer service with the attempt to Settle this account. The customer service representative from XXXX XXXX told me they don't settle debts but that I can call their collection company called TRS. She provided this information but at the same time couldn't provide me a phone number or address to such business. 

I then contacted TRS via telephone that same afternoon of the XXXX and spoke to XXXX XXXX. She did confirm the debt and the amount owed. I asked them how come they never tried to contact me in regards to this debt and she claimed the company did however I have never received any correspondence from them. 

XXXX also told me of a settlement offer on the account in the amount of {$1100.00}. Original amount owed is {$1500.00}. She stated they were to send a letter that same day with the settlement and that I can pay over the phone. I went ahead and made the payment to settle the account over the phone with her using my debit card. 

On Wednesday the XXXX of XXXX I then contacted TRS again just to make sure that the settlement had been reported to XXXX and this is where the problem started. At first, they kept hanging up on me and telling me there is no settlement on this account. Other representative would take my name and phone number with the promise of having a supervisor by the name of XXXX XXXX call me back. No call has been received. 

I also have contacted XXXX XXXX branches just to make sure this wasn't a scam and at first the branches had no idea who TRS is and how they are related to them. I had to then escalate at a branch in XXXX, NC and a manager finally was able to dig some information and told me TRS does handle their collection accounts but no settlement can be offered. 

I feel like I was deceived by both XXXX XXXX and TRS into believing that I was settling this debt when I am really now. Also, the " connection '' or " relationship '' between XXXX XXXX and TRS needs to be more clear to its customers. It is deceiving and confusing, even to its employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was a victim of predatory lending practices by 5/3 bank. I was rushed to sign a waiver of my Homestead rights at a closing. My ex-husband was their borrower. I was the co-owner. After signing the Deed their closer and mortgage broker slipped a signature paper to sign. That paper had in small print that I am waiving my Homestead rights. I was rushed into signing that page without disclosure or explanation. I believe the whole mortgage was a mortgage scheme by this bank, they made me sign this in attempt for a speedy foreclosure if it gets to that point. 5/3 bank had took advantage of my disability and they sure discriminated against a XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: FL

Complaint narrative:
On XX/XX/2021 I sent out dispute letters to TransUnion in regards to unauthorized and falsely reported items being reported on my credit report. It has been well over 45 days and I have yet to receive any information on the results of their investigation. According to the FCRA failure to provide any information after 30 days, the items must be deleted.

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 2021-03-02 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: FIFTH THIRD FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XX/XX/2020 I financed a new vehicle with Fifth Third Bank. Fifth third bank has yet to send the title to the Louisiana XXXX so I can get my car registered in the state of Louisiana. I am not able to drive my car because the temporary license plate expired.I have contacted fifth third multiple times and they keep telling me that someone named XXXX is working on my case and he gave me a call however XXXX has never give me a call.I have also reported this company to the XXXX XXXX XXXX.I purchased a vehicle in the state of Arizona Arizona is a electronica title transfer state however fifth third cant seem to get the title through electronic transfer for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Information and inaccurate reports are being filed and hindering us from doing business. The tortious interference of these companies and their failure to abide by the law in the proper correction, removal, verification, reporting, and/or removal of the information or providing in writing the verification information as requested and lawfully required has caused gross personal/private economic damage and loss.

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 2021-03-02 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: NJ

Complaint narrative:
Information and inaccurate reports are being filed and hindering us from doing business. The tortious interference of these companies and their failure to abide by the law in the proper correction, removal, verification, reporting, and/or removal of the information or providing in writing the verification information as requested and lawfully required has caused gross personal/private economic damage and loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a copy of my consumer report from XXXX XXXX XXXX and noticed that Bank of America was reporting information about past accounts I had with them without informing me. Pursuant to 15 USC 6802, a financial institution can not disclose nonpublic personal information to a non affiliated third party, which is who XXXX XXXX XX/XX/XXXX, unless they clearly and conspicuously disclose to the consumer either electronically or in writing that such information may be disclosed to such third party. More so, the consumer must also be given the opportunity before that information is disclosed to direct that such information not be disclosed to such third party. At no point during my relationship with Bank of America did they ever disclose to me, in writing or electronically, that they could possibly submit my information to XXXX XXXXXX/XX/XXXX. More so when my relationship ended with them, they never gave me the opportunity to tell them not to submit my information to any third parties as is my right according the Fair Credit Reporting Act, If they would have notified me and given me that opportunity, I would told them not to report my information to this third party company or any other third party.

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 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: GA

Complaint narrative:
I returned the equipment to charter communications within the 30 day window. I know that because I moved out of state within that 30 day window. ERC for the first time in 6 years regarding the contacted me on the matter. Stating the it went to collections. I disputed it several times with them and stated that it didn't matter if I returned the equipment and that I do not owe the money. ERC told me that there is nothing they could do. Besides waiting 6 years to contact me they also want me to pay a bill when I returned the equipment and had a witness with me. 

They told me I can keep disputing it but I will still have to pay. 

XXXX XXXX  did not log in my equipment at the time that I dropped it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: MD

Complaint narrative:
Several reports from the police department and notarized letters from the XX/XX/XXXXCourt House have been submitted to all 3 credit bureaus to remove Fraudulent accounts that were opened. 

I have proven that based upon section 609 that it requires the companies to provide a contract bearing my signature and no such documents have been produced. I have sent in over 8 requests for deletion of these fraudulent accounts from my credit file. 

XX/XX/XXXXhas successfully removed the negative items listed.

I am awaiting the HARD inquires to be removed as a result of the fraudulent activity. 

Additionally, the credit bureaus have failed to provide accurate information within 30 business days starting from XX/XX/2020. According to the FDCPA and HIPAA collection laws the requested deletion must be honored and adhered to by law. Failure to do so has caused me financial harm and is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
There is a company by the name of Midland Credit Management that is being reported on my credit report. I have signed no contractual anything with them and have no clue of who they are. XXXX XXXX XXXX, they claimed to have verified the account, but attached no evidence XXXX documentation ) of such to support this claim and I believe they may be the people calling me and harassing me throughout all times of the time even when I am attending my appointments for my XXXX, actually especially during those times. 

I have saved a long list of numbers and the time stamps, that I am ready to proceed legally on to end the harassments from a company or creditor or whatever they claim themselves to be. 

PLEASE SEND DOCUMENTATION THAT WAS USED TO VERIFY how this account is linked me and the documentation showing that I legally owe Midland Credit Management anything. 

I disputed via XXXX XXXX, but being this is my first time disputing anything as my credit history previous to COVID was pretty good. 

I am also undergoing extreme hardship due to COVID. I am struggling to keep my house. I am struggling to find a job due to my XXXX and all of this is overwhelming and makes it harder for me as a XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I have been trying to get my file with sage stream frozen and have not been able to get them to respond. 

My social is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TN

Complaint narrative:
I have sent several letters and called all 3 bureaus about these inquiries listed on my credit report. I was told over the phone they would be removed but at this time it is still reporting. I believe my information was compromised in 2 credit breaches and I have not received a response from the credit bureaus regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Pulled my credit report on XX/XX/XXXX, and saw that Midland Credit Management placed a collection account on my credit report. I have not received any communication from this company regarding this debt or any opportunities to dispute it. I do believe that the law states that I have the right to be notified of a debt prior to it being placed on my report and given the option to dispute within 30 days of receiving that communication. Midland Credit Management has not attempted to provide me any written communication regarding this debt. The practice of placing collections on accounts without any notice is illegal and this company should be held responsible for its actions. This collection claims to have been opened in XX/XX/XXXX, yet, this is the only time I have been made aware of this. I also placed a call to XXXX XXXX, the so-called original creditor, to see what this debt is and they were unable to find any account of mine that has not been paid off already.

Company response to consumer: Closed with non-monetary relief