vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 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: CA

Complaint narrative:
Experian has not sent out the results of my inquiry disputes as of yet I need the results mailed to me.

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 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase Mortgage # : XXXX Home purchased in XX/XX/XXXX for {$65000.00} with 10 % down, {$58000.00} loan and began paying PMI Simple no cash refinance in XX/XX/XXXX and began paying {$40.00} per month in PMI ( {$54000.00} loan balance ) Home value as of XX/XX/XXXX : {$70000.00} ( 77 % LTV ) Home value as of XX/XX/XXXX : {$120000.00} ( 32 % LTV based on {$40000.00} loan balance ) XX/XX/XXXX : Contacted by Chase that PMI would be waived starting XX/XX/XXXX XX/XX/XXXX : Planned payoff of the Chase mortgage Chase has been committing mortgage fraud for 7 years by charging me {$40.00} per month and claiming I did not meet the PMI waiver requirements. This is a systemic issue in Chase 's PMI process and worse than XXXX XXXX XXXX rate lock scandal and CPI auto insurance. How can this type of fraud go undetected when this is occurring for millions of Chase borrowers in not removing PMI? 

Chase needs to evaluate this as an enterprise remediation and then testify before congress how this PMI process can be fair charging customers the monthly fee and then having the balls to waive the fee when I am paying off the loan. 

Based on the property 's value, Chase owes me 81 PMI  payments for {$40.00} or {$3200.00} plus loss of use of funds calculation. 

Please send me the remediation payment as I need funds to cover Covid-19 losses that Chase is responsible for by committing this mortgage fraud. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In XXXX-XXXX  contractors who represented the Hero and California First programs came knocking at my door to make my house energy efficient and bring my utility bill down. I had just lost my husband to sudden death and yes the house was in need of repair. These contractors totally misrepresented themselves and did not totally explain the truth. 
By XX/XX/XXXX my property tax bill which normally ranged between {$600.00}. to {$700.00}. was now over {$5000.00}. this raised my mortgage payments to over {$2200.00}. I had no equity because before my husband died he refinanced our home to receive the capital he needed to for a business. Just as I was ready to walk away from my home my children told me to apply to Keep Your Home California, Thank God they accepted my application and awarded me {$97000.00} to reduce the principal balance. These funds went to my Mortg. servicer XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, TX XXXX Ln. XXXX When they received the {$97000.00} I requested that they pay off the super leans from the Hero and California First. which was raising my mortg. pmts. They said no they could not. I think they are in default in handling these funds that were granted to me to help me and now that the taxes are over {$8000.00}. my mortg payment is getting harder to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have numerous issues..I spoke to one of your agents on XX/XX/XXXX for over an hour.My sister 's name and mine are the same. Our socials differ by one digit. The 3 bureaus have her info on my file.I thought this was fixed till I got my 3 reports. All mixed up! Does not have my correct address. 
XX/XX/XXXX Trans Union reports 3 addresses in XXXX. I have lived present house for 22 years. XXXX XXXX XXXX. Never XXXX? Employers from XXXX?? am XXXX XXXX since XX/XX/XXXX.XXXX  XXXX  XX/XX/XXXX . I never got a card. XXXX XXXX who stated they told Trans Union that was NOT MY DEBT! 
XXXX-XX/XX/XXXX..I never had a XXXX XXXX acct. Never chged any money.XXXX XXXX again.I spoke to them they know I didn't have their card. Still showing past due etc ... didn't have 2 XXXX XXXX cards it was a fraud..only have 1. Shows XXXX XXXX XXXX.never lived  there..XXXX XXXX..sister..XXXX.XXXX.not us.XXXX XXXX Sister..XXXX.XXXX.XXXX..sistrr..XXXX XXXX XXXX..sister..SHOWS SOCIAL VARIATIONS ; XXXX?? NEVER USED XXXX  IS SISTERS..XXXX  IS MINE..Do n't work at a trucking company? Have also called all of these inquirers that I neverrr called..I never applied for Life Ins..XXXX XXXX..XXXX XXXX..XXXX..XXXX   etc.. 
XXXX  : Again, had 3 addresses in XXXX..only lived at one..had my sister 's year of birth XXXX..not mine..and her social XXXX..and her name XXXX. 
But this Trans Union investigation of XXXX XXXX  was incorrect. XXXX said they told TU that it was NOT me and they were writing it off..it was a fraud..so was one of the XXXX XXXX. They are all still reporting XXXX and it was NEVER MINE!

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 2020-03-23 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: AR

Complaint narrative:
My bank called me to inform that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is insane. Please remove these suspicious items from my report. 

XXXX XXXX XXXX  XXXX {$240.00} XXXX   XXXX {$3400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: SC

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/2019 and XX/XX/2019. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-03-23 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: SC

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/2019 and XX/XX/2019. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
My house had water damage on XX/XX/2019. The insurance company has released money to Flagstar bank to be monitored and disbursed for the repair of my house. Flagstar has only released money to give to the cabinet makers and will not release any additional funds without an inspection to verify work is complete. They will not release any funds for me to give a contractor to start the work- repairs. I have requested multiple draws so that I can move forward and now I am at a standstill. I have the fear that my house will go into foreclosure and I will run out of ALE fund to live on from the insurance company.

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 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Midwest Recovery Systems
State: DE

Complaint narrative:
I was told by this collection agency that this was my XXXX 's credit card. I told them that was impossible as I was working with XXXX XXXX as a debt consolidator and that my XXXX 's card balance of {$8900.00} was being settled with them. They were verbally abusive on the phone and I gave them the phone number of my consolidator to deal with the situation numerous times. They stopped calling. XXXX/XXXX  is how the Closed Paid account shows. XXXX verified 100 % that this was the same XXXX 's card ( the only one I ever owned ) closed XX/XX/XXXX and opened XX/XX/XXXX. Midwest recovery shows Opened XX/XX/XXXX from XXXX XXXX XXXX for {$8900.00}. I am not sure how they are able to try to get the same money from me for the same account but this is not a new account opened in XX/XX/XXXX. I would never have qualified for this amount in XX/XX/XXXX due to my debt consolidation. This was harassment, and possibly identity theft or at best an account sold to 2 different collections agencies. It is paid and done. I need to get this removed as I have done everything including advise them who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
On Saturday XX/XX/2020 I uploaded {$1200.00} to my cash up through my debit card. I was new to this type of service I was just testing it out. I attempted to make a withdrawal to my bank account that was linked and I could not it said my account was locked for suspicious activity. It told me their contact support which you can only do through email and said it would get back to me within 24 hours. I still have not received any emails back my account is still locked and when I click on contact support now and tells me that there is an error occurred it will not let me send emails now to them they will not let me access my funds in any way whatsoever or communicate with me I need my money this is a cash app account the debit card and bank account both linked to my cash out account or the same account at XXXX. My cash app handle $ XXXX. My name is XXXX XXXX. My phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there was things on my there I have never seen. These items need to be removed immediately. 

XXXX XXXX {$9000.00} XXXX  XXXX {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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:
XXXX has not sent out the results of my inquiry disputes as of yet I need the results mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: FL

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed some items that are not mine on my credit report. These items need to be deleted from my credit report XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, University of XXXX, US Dept Vets. There were inquries as well that are not mine XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTc and my local police, Im also doing this on my own behalf.

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 2020-03-23 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: FL

Complaint narrative:
I examined my credit report recently and I saw some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no understanding of how someone would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2020-03-23 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: AR

Complaint narrative:
I was trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there was things on my there I have never seen. These items need to be removed immediately. 

XXXX XXXX {$9000.00} XXXX  XXXX {$4600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her a apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$4600.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: FL

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed some items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, University of XXXX, US Dept Vets. There were inquries as well that are not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTc and my local police, Im also doing this on my own behalf.

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 2020-03-23 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:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed some items that are not mine on my credit report. These items need to be deleted from my credit report XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, University of XXXX, US Dept Vets. There were inquries as well that are not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTc and my local police, Im also doing this on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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:
I applied for a personal loan today XX/XX/2020 and I was not approved due to having over 15 accounts in negative standing appearing on my credit report. I was shocked when I found out about these accounts because none of them are mine. I did not open any of those accounts and I have never allowed anyone else to open all of those accounts on my behalf. I do not have any contract or agreement with any of those companies and I have never allowed them to access my credit. I did not benefit anything from these accounts such as money, goods, services or any other benefit ; If anything, these accounts are only bringing stress and problems. I did not make any payments towards any of these accounts. I filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit 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 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received balance transfer checks on my United card - the notice told me that I could get cash. No where did it put limits that disclosure. 
I wasn't allowed to send it to anyone for them to get cash and when I went to just get cash to me - it could only deposit it to another account with a 7 day hold and not get cash. Maybe I'm odd but cash is where I can go to a branch and just " cash the check and received dollar bills ''. My original recipient couldn't cash the check drawn on my chase account and when I just tried to cash the check and give the recipient cash - neither could I get cash - i.e. dollar bills etc. 

Fix your disclosure - if you can't get cash then don't state that in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: PA

Complaint narrative:
ON XXXX OF 2018, I WENT TO AN ORIENTATION CLASS FROM NACA AFTER THAT I TRIED TO SPEAK TO XXXX XXXX THE DIRECTOR SHE WAS THE ONE THAT GAVE THE ORIENTATION, I TRIED TO EXPLAIN TO HER TO GIVE ME AN APPOINTMENT QUICKLY BECAUSE I WAS ON AN ABUSIVE RELATIONSHIP AND I NEEDED TO MOVE VERY QUICKLY? SHE THEN PROCEED TO GIVING ME HER CARD, TOLD ME TO CALL HER ON MONDAY I SAW HER ON A SATURDAY. WHEN I CALLED MONDAY THEY HAD ME BACK AND FORTH WITH MRS XXXX IS NOT HERE TODAY? I KEPT CALLING FOR A WHOLE WEEK, MANAGE TO SPEAK TO HER AND EXPLAINED TO HER MY SITUATION. SHE GAVE ME THE APPOINTMENT FOR XX/XX/2018. I WENT TO HER FOR THE FIRST VISIT THEY ASKED ME FOR BANK STATEMENTS ALL OF MY CREDIT CARDS STATEMENTS MIND YOU I HAVE 12 CREDIT CARDS, MY BILLS AND RENT VERIFICATION FROM MY LANDLORD, SECTION 8 VERIFICATION TOOK MY SECTION 8 VOUCHER. MY DIRECTOR FROM  SECTION 8 SPOKE TO THEM BECAUSE I HAD COMPLAINT TO THEM HOW THEY KEEP CHARGING ME A FEE TO BECOME A MEMBER I PAID THEM XXXX. WITH CHANGE FOR MY CREDIT REPORT AND THEIR FEE I DON'T QUITE REMENBER HOW MUCH BUT THEY CALL IT YEARLY WHEN I AM BEING CHARGED EVERY 6 MONTHS CAUSE I RECALL PAYING THEM LIKE 5 TIMES ALREADY. AFTER MEETING MY HUSBAND SHE AUTOMATICALLY SHOVED MY PAPERWORK TO A MR. XXXX XXXX. THAT'S THE PERSON THAT'S MESSING UP EVERYTHING FOR US.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation