vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, We received letters dated XX/XX/2022 from J.P Morgan Chase bank that they decided to close all our accounts, 5 personal and 2 business. We are a local community doctors medical office who is surviving the financial toughness of this pandemic along with helping the sick community in XXXX north suburbs. The bank decided to end all relationships with us and our company without any given reason. They close two of our business accounts and five personal accounts. We ( family and business ) being customers with Chase bank for 17 years, never had an issue. Unfortunately, without any explanation all our accounts decided to be closed. My attempts to get answers from the branch manager in person and from the support team over the phone had no success. This act causes sufficient damage to all our operations during tough times of fighting with XXXX  related problems. We deserve at least an explanation why the bank is throwing us away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
On XX/XX/2019 i was issued a Closing disclosure different from the one provided during the loan process, and was expected to close on the XXXX, ( the next day ). I have since found that to be compliant, i should have been presented this document three days before the closing. This may not be much of a big deal but my concern was at the time, and has continued to be the amount required to close. One document, page 1. states the closing cost should have been {$9900.00}, which included a mysterious ( other cost of {$2100.00} ) sprung on me at the last minute. This other cost is entered in line I of page 2, without any explanation, after many inquiries to the closing agent. The lender was not present at the closing, nor was the attorney, only a paralegal. To further add to the confusion, line D of page 2 states the total loan cost to be {$7600.00}, after subtracting my appraisal fee which was paid outside the closing in advance. To further add to this confusion, on page 3 in calculating cash to close. it confirms that i paid {$8500.00} in a deposit, and {$3000.00} in my down payment, which totals {$11000.00}. My primary concern/complaint is the {$2100.00} in " other cost '' and line 2. page 2 {$890.00} " comment '', the math doesn't add up. I think I'm due a refund, and possibly damages from this unfair and deceptive trade practice. I need an investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
My husband and I initially signed the timeshare agreement with XXXX XXXX on XX/XX/XXXX. The representatives had my husband and I sit down for 3 hours to sell us a travel club. Refusing every no that we told them, they kept coming at us with affordable options and bringing in their boss to ensure they made the deal. We were the last couple in there and we could feel them rushing us through the process because they wanted to go home. One of the tactics they used to convince us was that if we kept up with maintenance fees, we could let someone use the condo in our place to receive more points and that we could use our points with our friends and family. We initially only wanted the point system. We have never used or seen the condo at all since we purchased the timeshare. What hit home was when my husband passed away in XXXX. Our income is now less than it was before. When I contacted the resort to rid myself of this condo problem, I ended up being charged two monthly fees instead of one. I have sent many letters, emails, and phone calls explaining that since my husbands passing, my current financial circumstances are no longer enough for me to be able to keep this contract. Yet, they continue to be persistent in keeping me chained to them. I am disappointed in how cold-hearted this company is and how they have treated me. All I am asking for is for an amicable release from this contract to relieve me from this heartache once and for all. 

Them placing our account with Meridian Collections iterated that they do not value us. We have no interest in working with Meridian and need this matter resolved directly through the resort.

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 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi the reasoning for this dispute is the following information listed on my credit report is inaccurate and fraudulent. I have contacted the following credit bureaus XXXX, XXXX and Transunion to have the inaccurate and fraudulent items removed but i didn't get a response, I am requesting that you the company ( CFPB ) change and update the incorrect items reporting on my credit report. Attached or supporting documents for this request ( Driver License, Social Security Card, list of fraudulent Inquires ) Also, I will attach my report filed with Identity Theft ( FTC ). 

Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed 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 non-monetary relief
Consumer complaint received 2022-02-03 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: MI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Id like to file a complaint against TransUnion for violating section 611 Of the FCRA. Ive filed complaints with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions and said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both TransUnion and all the data furnishers listed below the required letters and I have not received anything from any of the companies. Ive further sent TransUnion request to remove these items for lack of response & theyve ignored my requests to remove the items which I know are inaccurate. TransUnion is now violating section 611, 609 & 623 and Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX PXXXX XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}

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 non-monetary relief
Consumer complaint received 2022-02-03 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: MI

Complaint narrative:
I am XXXX XXXX and I'm sending these complaint by myself and without any third parties involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-02-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Yesterday on XXXX I received an attempt by JP Morgan Chase Bank, NA a threat to tax bill me for the illegal foreclosure on my home on XXXX using fake/forged documents as well as not following the foreclosure laws and legal procedures/violations. The seller is responsible not me!! This is the second 1099-A that I have received by JP Morgan Chase Bank , NA that they are once again attempting to evade their tax responsibilities by illegally selling my home trying to terrorise me into some sort of a tax IRS threat to pay this so called " debt ''. I have reached out in complaint to the FBI as well as the IRS to investigate this what I call tax evasion. I also asked the FBI etc. to investigate not only this situation but also the activities of XXXX XXXX XXXX XXXX XXXX XXXX and the third party purchaser XXXX XXXX whom has her name on many homes with others named XXXX XXXX and XXXX XXXX. I am asking the CFPB to also look into this 1099-A " pattern '' situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi the reasoning for this dispute is the following information listed on my credit report is inaccurate and fraudulent. I have contacted the following credit bureaus XXXX, XXXX and Transunion to have the inaccurate and fraudulent items removed but i didn't get a response, I am requesting that you the company ( CFPB ) change and update the incorrect items reporting on my credit report. Attached or supporting documents for this request ( Driver License, Social Security Card, list of fraudulent Inquires ) Also, I will attach my report filed with Identity Theft ( FTC ). 

Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX my credit card had 5 unauthorized charges from XXXX XXXX XXXX XXXX ( the merchant ) in the amounts of {$99.00}, {$11.00}, {$99.00}, {$110.00}, and {$99.00}. I flagged these transactions as disputes which Wells Fargo immediately provided refunds for with an extra credit of {$11.00}. On XX/XX/XXXX, I owed the bank {$11.00}. 

On XX/XX/XXXX, there were both a charge and a credit of {$99.00} on my card so no change to how much I owed. 

I was sent a new card in the following days and all fraud charges and credits were transferred to the new card and the {$11.00} that I previously owed was also charged back to the bank. So by end of XXXX, everything balanced. There was nothing that the bank or I owed to each other. 

On XX/XX/XXXX, the merchant credited me {$99.00} twice. The bank charged me on XX/XX/XXXX and XX/XX/XXXX for the same amount balancing everything again. However, this time on XX/XX/XXXX the bank also charged me an additional {$99.00} and {$110.00} which do not reconcile with any credits that I have received. 

I have contacted the bank numerous times ( over 20 ) and there has been no resolution. They understand the issue but refuse to do anything about it by transferring me from one department to the other. 

I am attaching a color coded spreadsheet that details each transaction that has been part of the fraud. These transactions are straight from monthly statements that the bank has provided. The rows at the end that are not highlighted do not reconcile. If you need more information, please let me know.

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 2022-02-03 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: CT

Complaint narrative:
Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a letter to Equifax on XX/XX/21 about some accounts reporting on my report that are due to Identity theft becuase my information was exposed in the Equifax data Breach but they told me it would be completed in XXXX business days once I sent in my documents well I havent heard anything from them and these fraudulent accounts are affecting me to obtain housing, I " trying to provide a place for me and my daughter and this in affecting me really bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovate Managed Holdings, LLC
State: PA

Complaint narrative:
My Social Security was ringing without my cas and I would like to report these 16 heart increase thats on my account that I didnt know anything about, I reached out an your customer service will not help me take care of the negative inquiries reporting to my credit. 

XXXXXXXX XXXX  XXXX XXXX. Innovateloan XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I would please like for these 16 hard inquiries to be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was the victim of a cyber/XXXX  scam involving XXXX XXXX and Capital One and XXXX XXXX  XXXX XXXX XX/XX/XXXX I have reported all of this to the agencies involved including the following l. FTD case XXXX, case XXXX ( as a back up claim ), 2.Ma. State attorney 's general office, case XXXX, 3.Capital One Fraud Resolution Dept, case XXXX, 4. XXXX XXXX  Police Dept, case report XXXX ( I delivered this in person ) ALL OF THESE WERE REPORTED ON XX/XX/XXXX XXXX ALSO, HARD COPIES AND PDF FILES SENT CERTIFIED MAIL TO ALL OF THESE DEPTS. 

Will download my pdf files and they will be self explanatory ; Am getting no where with these credit card/bank agents and the sum involved is {$5000.00} It was supposed to be recorded and stated as ELDER FINANCIAL ABUSE/EXPLOITATION BY CAPITAL ONE ETC AND IT WAS NOT. 

XXXX XXXX XXXX froze my computer and I verified the number before I called Capital One. I dialed the number that was on the back of my credit card for customer service and then it started ; the lines had been compromised and customer service transferred me to the Fraud Dept., I also had asked for Names, Id 's etc and was given false information ... also the secure lines used were cell phones, etc. When I called the bank the next day, they said there was not a pre approved cash transaction on my credit card with them for {$5000.00} and so I cancelled all of the cards involved and the process of reporting all of this began. I will notify XXXX XXXX of this breach also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you add the following Extended fraud alert on my credit report : ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ]

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