vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 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:
REMOVE FRAUD ALERT

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 2020-05-07 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:
REMOVE FRAUD ALERT

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 2020-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Frustrating!! My loan was transferred from XXXX. I set up bi-weekly payments and their condition was that I should have 1 month 's balance. I ABIDED. In 2019 XXXX, I made 1 month extra payment so that my bi-monthly payments go uninterrupted. Six ( 6 ) months later, my payments increased, I have different ACH amounts and worst of all, I have 5 months of late charges while they have me set up on ACH. LATE PAYMENTS ON ACH!! Unheard ... This is clear theft. I was on call with a manger for 2 HRS, and after all the explanation I provided, she did not have an answer and opened inquiry tickets. I highly encourage SLS to listen to the recording of the call ... I have explained every single issue and also summarized it for her ( listen last 10 mins to save time ). I can proudly claim that I have not had late payments with XXXX or any other loan ( touch wood ) ... .and here I have 5 late charges on ACH, erratic payments and no clear explanation. Someone needs to pull them up.

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 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I received a notification on XX/XX/2020 from XXXX  Credit Bureau in regard to a derogatory account being added to my credit file. This account states that I owe XXXX XXXX XXXX XXXX an amount of {$310.00}. I have not had any business with XXXX XXXX XXXX XXXX for almost 6 years now and I believe this is an attempt for XXXX XXXX XXXX XXXX to re-age for a second time, an account that they claim that I had owed them but when I filed a complaint some time back with your agency for this re-aging, they had sent an e-mail apologizing the action and removed the derogatory account from my credit file. The debt collection agency handling this is called Credence Resource Management. See attached screenshot for more information. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
There is a medical debt being reported on my credit report to the credit bureaus by Midwest recovery systems. I spoke to a representative by the name of XXXX XXXX her phone number is XXXX XXXX she explained to me that this debt was for a medical bill that occurred last year in XXXX. I then explained to her that I havent went to the emergency room ever in my life so this debt couldnt be mine. She then checked the file and realize that the date of birth associated with this account was XX/XX/XXXX and I explained to her that my date of birth was XX/XX/XXXX so this is not me. She then told me she will have to put in a dispute which will take up to 6 weeks. This is going on 7 weeks and this is still being reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: STATE FARM BANK, FSB
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. A NUMEROUS AMOUNT OF APPLICATIONS ALONG WITH ACCOUNTS WHERE OPENED UNDER MY PERSONAL IDENTITY WITHOUT MY PRIOR KNOWLEDGE OR LEGAL CONSENT. I HAVE SINCE TREID TO TAKE ALL PRECAUTIONS REGARDING THE FRAUD IN ATTEMPT TO RECOVER MY SEVERLY DAMAGED CREDIT REPORTS. THESE STEPS INCLUDE CONTACTING EACH OF THE CREDIT AGENCIES, LOCKING MY CREDIT REPORTS, CREATING WRITTEN DISPUTE LETTERS AND HAVING THEM NOTARIZED THEN SUBMITTED, FILED IDENTITY THEFT REPORT WITH THE FTC, OPENED AN INVESTIGATION WITH MY LOCAL PRECINCT BY FILING A POLICE REPORT AND CONTACTED THE CREDIT FURNISHERS. I HAVE DONE ALL THINGS TO SHOW THE PROOF THAT I AM FRAUD VICTIM. I HAVE EVEN SUBMITTED COPIES OF THE FRAUDULENT IDENTIFICTAION AND VERBAL STATEMENTS PROVIDEDE TO ME BY THE LEAD DETECTIVE ON MY CASE. ASIDE OF THE FRUADULENT EVIDENCE I HAVE ALSO SCANNED COPIES OF MY REAL IDENTIFACATION FOR COMPARISON PURPSOSES TO EXPEDITE THE INVESTIGATION OF THE CREDIT FURNISHERS AND CREDIT AGENCIES, SO FAR MAJORITY OF MY EFFORTS HAVE BEEN A FAILURE DESPITE MY RIGHTS PROTECTED BY THE FCRA, SOME OF THE CREDITORS HAVE IGNORED MY DISPUTES AS WELL AS THE CREDIT AGENCIES, TO BE SPECIFIC XXXX, XXXX, XXXX, STATEFARM BANK, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, AND A NUMBER OF OTHER BANKS THAT HAVE LEFT NUMEROUS FRAUDULENT INQURIES ON EACH OF MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am unable to reach USAA either by phone, chat, or email to designate a beneficiary for a savings account. Constantly redirected and then disconnected. Not even able to send email message or chat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA reported me late for the month of XX/XX/2018, this was not any error coused by my self, this was a post office error. they lost and damaged my out going mail. they then later returned it in a usps envelop, that same day I received a call from bank of America requesting payment in which I did. I maid a double payment. and was told by representative I would only receive a late fee. which he waved!! 

later to find out they reported me late on my credit for the month of XX/XX/2018 2018

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 2020-05-07 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. A NUMEROUS AMOUNT OF APPLICATIONS ALONG WITH ACCOUNTS WHERE OPENED UNDER MY PERSONAL IDENTITY WITHOUT MY PRIOR KNOWLEDGE OR LEGAL CONSENT. I HAVE SINCE TREID TO TAKE ALL PRECAUTIONS REGARDING THE FRAUD IN ATTEMPT TO RECOVER MY SEVERLY DAMAGED CREDIT REPORTS. THESE STEPS INCLUDE CONTACTING EACH OF THE CREDIT AGENCIES, LOCKING MY CREDIT REPORTS, CREATING WRITTEN DISPUTE LETTERS AND HAVING THEM NOTARIZED THEN SUBMITTED, FILED IDENTITY THEFT REPORT WITH THE FTC, OPENED AN INVESTIGATION WITH MY LOCAL PRECINCT BY FILING A POLICE REPORT AND CONTACTED THE CREDIT FURNISHERS. I HAVE DONE ALL THINGS TO SHOW THE PROOF THAT I AM FRAUD VICTIM. I HAVE EVEN SUBMITTED COPIES OF THE FRAUDULENT IDENTIFICTAION AND VERBAL STATEMENTS PROVIDEDE TO ME BY THE LEAD DETECTIVE ON MY CASE. ASIDE OF THE FRUADULENT EVIDENCE I HAVE ALSO SCANNED COPIES OF MY REAL IDENTIFACATION FOR COMPARISON PURPSOSES TO EXPEDITE THE INVESTIGATION OF THE CREDIT FURNISHERS AND CREDIT AGENCIES, SO FAR MAJORITY OF MY EFFORTS HAVE BEEN A FAILURE DESPITE MY RIGHTS PROTECTED BY THE FCRA, SOME OF THE CREDITORS HAVE IGNORED MY DISPUTES AS WELL AS THE CREDIT AGENCIES, TO BE SPECIFIC XXXX, XXXX, EQUIFAX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, AND A NUMBER OF OTHER BANKS THAT HAVE LEFT NUMEROUS FRAUDULENT INQURIES ON EACH OF MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: Uplift, Inc
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. A NUMEROUS AMOUNT OF APPLICATIONS ALONG WITH ACCOUNTS WHERE OPENED UNDER MY PERSONAL IDENTITY WITHOUT MY PRIOR KNOWLEDGE OR LEGAL CONSENT. I HAVE SINCE TREID TO TAKE ALL PRECAUTIONS REGARDING THE FRAUD IN ATTEMPT TO RECOVER MY SEVERLY DAMAGED CREDIT REPORTS. THESE STEPS INCLUDE CONTACTING EACH OF THE CREDIT AGENCIES, LOCKING MY CREDIT REPORTS, CREATING WRITTEN DISPUTE LETTERS AND HAVING THEM NOTARIZED THEN SUBMITTED, FILED IDENTITY THEFT REPORT WITH THE FTC, OPENED AN INVESTIGATION WITH MY LOCAL PRECINCT BY FILING A POLICE REPORT AND CONTACTED THE CREDIT FURNISHERS. I HAVE DONE ALL THINGS TO SHOW THE PROOF THAT I AM FRAUD VICTIM. I HAVE EVEN SUBMITTED COPIES OF THE FRAUDULENT IDENTIFICTAION AND VERBAL STATEMENTS PROVIDEDE TO ME BY THE LEAD DETECTIVE ON MY CASE. ASIDE OF THE FRUADULENT EVIDENCE I HAVE ALSO SCANNED COPIES OF MY REAL IDENTIFACATION FOR COMPARISON PURPSOSES TO EXPEDITE THE INVESTIGATION OF THE CREDIT FURNISHERS AND CREDIT AGENCIES, SO FAR MAJORITY OF MY EFFORTS HAVE BEEN A FAILURE DESPITE MY RIGHTS PROTECTED BY THE FCRA, SOME OF THE CREDITORS HAVE IGNORED MY DISPUTES AS WELL AS THE CREDIT AGENCIES, TO BE SPECIFIC XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, UPLIFT INC, XXXX XXXX XXXX, AND A NUMBER OF OTHER BANKS THAT HAVE LEFT NUMEROUS FRAUDULENT INQURIES ON EACH OF MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
HAVE A VA. was purchased by XXXX, services by PHH. PHH IS owned by OCWEN but PHH IS title as wholly owned subsidiary. 

Since XX/XX/XXXX I have requested by phone and by email to use forebearance under CARES ACT HR 748 section 4022!!!

They keep telling me. I can only do 3 months and them pay all. I have told them I am effected and impacted by COVID19.

I sent a copy of the law and the letter from VA guaranty which was made public!!!

A relationship manager was supposed to call. I gave them number to call. She did not call the number given. Then we called back and she was suppose to call this past Monday!! Never called!! Nothing I have sent 2 emails with request to homerenrention relationship manger and Supvs. No response please help!

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 2020-05-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A balance of {$13000.00} is reporting on my TransUnion bureau. The creditor 13 XXXX XXXX XXXX XXXX is expecting me to pay an outstanding amount when the account is at an upmost max of {$10000.00}. The account is 2 years 9 months old. Has been affecting my credit score for years. After multiple attempts of disputing this specific account with the credit bureaus, I have been unsuccessful and is affecting my score and chance of my approval odds to get a 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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I called Bank of America to freeze my card, basically from any use during the covid crisis. Im XXXX XXXX  and want to incur no debt on this card. To keep myself from using it, most importantly, but also to prevent anyone else from using it. 
They told me they dont have a freeze policy. I told them my other credit card companies have agreed to my request. I dont want to close the account due to negative effect on my credit score. 
They said Id be protected against fraudulent use by anyone, but Im More concerned with an auto renew charge that occurs only every year or maybe two. Like computer firewall protection, or domaine name renewal. 
My only option, from BofA, Is to tear up my card, which doesnt stop unknowing activity, then get a new card when Im ready. 
I feel cornered and unprotected against them gathering charges that Im trying to prevent. 
Do I have any options?

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 2020-05-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was using a Citibank or Citicards credit card, Citi DiamXXXX Preferred Card for my New York XXXX XXXX membership ( the club has been closed due to the Carona Virus lockdown since XX/XX/2020 ) and the monthly fee for my passport membership was {$54.00}. New York XXXX continued to charge in spite of their clubs closing and I called Citicards repeatedly to dispute the charge. The first time I called was XX/XX/2020. I was told by Citicards that they would look into the dispute and credit my account for the amount of {$54.00}. That never happened. Instead for the charge ( which I had disputed ) due XX/XX/2020 they added a late fee and began calling me leaving messages to collect a debt. I went in and spoke with a bank XXXX at Citibank XXXX XXXX ( that's XXXX NY on XXXX XXXX, XXXX XXXX who spoke with Citicards on my behalf. He said he was able to get the dispute reinstated and get rid of the late charge and that he was then closing the account. He asked me if I wanted him to shred the card and I said yes. He shredded it. He told me he was ordering new cards be sent to me. But Citicards continued calling and sending mail to " collect the debt ''. There was never any communication to me by Citibank about the dispute I had opened. I called Citicards yet again on or about XX/XX/XXXX. They assured me that the first person I had spoken with there didn't follow the proper steps to open a dispute and that the calls and e-mails would eventually stop. On that call Citicards also agreed to open up a dispute about the next charge by NY XXXX XXXX which was due on XX/XX/XXXX. Citicards continues to call and send e-mail about the debt daily with no communication with me regarding either of the disputes I've opened up, or at least the disputes which Citicards has told me on the phone that they've opened up.

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 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed a claim with Chase bank on XX/XX/2020 because XXXX took my money and closed their doors and the posted on their website to contact your bank for refunds. So I contacted Chase bank. I received a provisional credit for some of my XXXX   transactions but, not all. on XX/XX/2020. I called and spoke to someone name XXXX in the claims department she told me that it was out of the 60 day retrieval of the fraud on my statement. I explained to her that this was not fraud. but, due to covid -19 the  vacation was cancelled. On XX/XX/XXXX XXXX the transactions for XXXX and XXXX was reversed and placed back on my account with out any notice. I emailed Chase and again the claims department said I it was out of the 60 day. I advised Chase this claim was for services not rendered to me. 
Chase then told me that even though those charges was out of the 60 days. the charges for XXXX and XXXX that Chase took responsibility. I advised them that they didn't take responsibility because they place those charges back on my account and that made my account go in the negative. So I refiles again and I still didn't get credit for those charges even after that wrote that chase took responsibility of the listed charges. XXXX and XXXX. I have all my documents that were sent to Chase concerning the claim about the XXXX  claims. I filed a police report, Florida attorney general complaint, XXXX  complaint. against XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
ATM toon my check but didnt deposit it into my bank account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I purchase a XXXX XXXX 2015 Loan # XXXX From XXXX of XXXX NY from Toyota Motor credit corporation. Toyota was sued from discrimination against African Americans for sale high interest rates and misleading them into bad loans. This hurt my credit score for years i also paid thousands over the price that a normal loan would have paid I have a year and half before this loan is paid off.I feel that this loan ruined my scores for many years Im asking that Toyota Motors consider that my loan is paid in full because of the financial pain it cause me also I believe this was a hate crime and that they should send me a paid in full letter. This loan was done for greed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
XX/XX/20 Tried to reach out to the company, and it was a cellphone number. This is not my account and I have never done business with Enhanced Recovery. I don't have a written contract or any agreement to pay. The amount they are saying I owe is {$350.00}, this was place on my credit report on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase United Club Visa is $ XXXXyear. We subscribe to it because I travel a lot for work. 
We paid our annual fee in XX/XX/2019 and use the card primarily for airline miles benefits and access to United Clubs. Once the COVID-19 pandemic started and lockdowns were put in place, I contact Chase to request a pro-rated refund of XXXX, i.e.  half of the term paid. 

They cited they have no obligation to return annual fees and will not be doing so. I have sent several messages to them on this, multiple phone calls, and even spoken with several supervisors. 

It's completely inappropriate that they can simply keep my money for the card program/benefits when it's impossible as a customer to realize the services/benefits for which one has signed up with the card. I see no reason why they can not return the pro-rated unused part of the term and then switch my card product to a non-fee card or just close the account altogether. I don't want another credit product, I simply want the {$220.00} back that I paid for a service/benefit that they can not deliver!!!

Company response to consumer: Closed with explanation