vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: IL

Complaint narrative:
I Requested a Forbearance under the " Cares Act '' on XX/XX/2020 and received a letter from the mortgage company saying the mortgage was placed in the forbearance until XX/XX/2020, then the payment would be due, the mortgage was CURRENT at the time of the request. On XX/XX/2020 received a letter from the mortgage company requesting XXXX and XXXX payment be made on XX/XX/2020 or a Late Fee would be imposed. 
We created Another financial hardship to get the money and paid the loan for fear of credit report damage, as the mortgage payments have Never been late. 

I am a veteran that is XXXX percent XXXX with a Spouse that is my VA Federal Fiduciary, the mortgage company has been given permission via Telephone and in Writing and still Refuse to communicate with my Spouse Fiduciary on my behalf, I don't  understand and can't argue and debate with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: CA

Complaint narrative:
I submitted paperwork regarding these accounts several months ago and they still appear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like to remove my extended fraud alert from my credit report as well as my consumer statement and any kind of blockage for credit access my credit file. 
Thank you in advance for your 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 non-monetary relief
Consumer complaint received 2020-09-05 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: TX

Complaint narrative:
I have complaints XXXX and XXXX which are related to my complaint against Equifax. 

The 1st complaint ( XXXX ) listed is regarding their improper handling of investigations regarding 2 companies. The 2nd related complaint ( XXXX ) was what appeared to be retaliatory action for my initial complaint ; they lowered my credit score by 52 points 2 days after my initial complaint for no changes and no reason. Whatever person acting on EQUIFAX behalf restored 51 of the 52 points taken and on or about XX/XX/2020, they restored 1 point for a total of 52. 

Yesterday, XX/XX/2020, I received an unsigned letter from somebody at Equifax stating they could not locate my file. Its interesting because they found my file on 2 separate occasions ; regarding my complaint when they restored 51 points of the 52 taken for me initially filing a complaint and found my file yet again when the remaining point ( 1 ) was restored on or about XX/XX/2020. 

They also have the 2 derogatory reports still reflected in my credit file while investigating this initial complaint matter and before the companies have supplied any proof whatsoever ( because they are not factual or valid ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like to remove my extended fraud alert from my credit report as well as my consumer statement and any kind of blockage for credit access my credit file. 
Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: GA

Complaint narrative:
I would like to remove my extended fraud alert from my credit report as well as my consumer statement and any kind of blockage for credit access my credit file. 
Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: VA

Complaint narrative:
I submitted a dispute letter with the credit reporting agencies in regards to inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the first letter on XX/XX/2020 and the 30 day follow up letter on 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 2020-09-05 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: VA

Complaint narrative:
I submitted a dispute letter with the credit reporting agencies in regards to inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the first letter on XX/XX/2020 and the 30 day follow up letter on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: TX

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. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2020-09-05 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: CA

Complaint narrative:
I submitted paperwork regarding these accounts several months ago and they still appear on 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 2020-09-05 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 submitted paperwork regarding these accounts several months ago and they still appear on 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 2020-09-05 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: TX

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. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Back around XX/XX/XXXX I deposited a check for XXXX roughly and on XX/XX/XXXX was charged a XXXX OD fee when it showed I had money in the account to pay for that, and also here in the last 2 days I have had problems logging on to transfer monies from account to cover any transactions from one account to another and they refuse to help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group
State: ID

Complaint narrative:
When we bought a new roof, we financed it through Foundation Finance rather than taking it out of savings, because the terms of the loan sounded so easy to handle. We were promised that any amount we would pay, additional to our monthly minimum payment, would automatically be directed to the principle of the loan. Once our roofing project was completed, Foundation Finance reached out to me to  confirm that the job was completed and that I understood the loan agreement. I specifically asked about extra amounts on top of our monthly payment going towards the principle amount, and I was reassured that this was the case. 

After a few months of making large payments, our monthly minimum started dropping, and the due date of our next payment was extended by about 6 months. 
I called in to ask if there was a way to direct my extra payments to the principle of the loan rather than applying it to the upcoming payments. They said that I would have to be up to date on the interest. There is already interest figured into our monthly payment, but on top of that, we are paying about {$4.00} per day in additional interest. When we made larger payments, we surpassed the accrued amount, but that still applied towards future payments, rather than the principle of the loan. 

We feel like we were misguided by the roofing company, but more importantly by the financing company who fully backed up the roofing company 's claims about the loan. We have decided to just pay the remaining balance off to avoid this, but we wish we would've known how this loan actually worked, because we would've selected a different loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX the US Small Business Administration pulled a credit report using my personal information for a loan that I did not apply for. I contacted SBA onXX/XX/XXXX and discussed with the fraud department. SBA indicated that loan application number ending in XXXX for {$35000.00} was canceled. I was instructed to e-mail XXXX to request a copy of the loan application and disposition. I e-mailed onXX/XX/XXXX and have had no reply. I was given no other confirming information from SBA other than the verbal information.

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 2020-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
PHH Mortgage has my account funds in suspense back from XX/XX/2020. I have NEVER missed a payment in 10 years I have had this Mortgage. I have called them repeatedly to resolve this issue. I am closing on a refinance and I am unable to finish through UW without the correct payoff statement. They told me this would be fixed within 48hrs and that was 2 months ago. I have been calling them hourly for the past 2 days because this needs to be fixed by Tuesday XXXX or it will jeopardize my refinance and closing. The customer service reps state they are working on it and thats all. They also confirmed there is no reason for my funds to be in suspense. I need your 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 2020-09-05 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: FL

Complaint narrative:
This is a follow up to a complaint I submitted on XXXX XXXX. I did send several followup E mails to you to inform you what has happened since theXXXX I asked for responses, but never got any, so Im not sure that you received my follow ups. I sent them to XXXX What I sent to XXXX I need to submit a follow up to a complaint that I originally submitted on XXXX XX/XX/2020. Your site wont let me log on or create a new acct. The page just comes up blank, yesterday and today. So Im emailing you now. Please forward this to the proper dept or reply and give me the email address ( not ph # please ). 

On XXXX XXXX I submitted a complaint to you against Chase credit card. Sometime after that I received a ph msg from chase telling me that they will look into it and get back to me. Then on the XXXX I received email from your office indicating " The company has responded that it is still working on your issue. '' Then yesterday the XXXX of XX/XX/2020 I got an email from chase stating " We confirmed your disputed transaction ( s ) are valid and will remain on your account. '' This is a form letter with no specific info concerning my dispute. Then later that same day I got another ph msg from chase indicating that they are still looking into it and will have a resolution within 5 days. 

Those two messages from chase contradict. 

chase has not requested any additional information from me on this dispute. 
-- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/2020 Additional note : It has been over 5 days since the XXXX and I have not heard back from chase ( as promised ). They did add the XXXX $ back onto my next card statement, but did not include it as a line item. The only way I know is that I added-up all the charges listed, and that comes to XXXX less then the amount they are billing me, due XXXX XXXX That is sneaky. I dont want to pay this, I dont owe this amount. They never even investigated it. Ive asked a few times for a copy of their investigation and I get nothing. Chase used to be much better at truly investigating billing errors. I think that changed after the merger. 

Please look into this. 

thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-05 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: EOS Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/20 I called child support to report new employment. The worker reviewed my case and told me I was in good standing and didn't owe anything and also informed me that I had over paid. 

On XX/XX/20 I went on XXXX XXXX and discovered that my credit rating went down 24 points because child support put on my credit that I owed when I was already told that I was in good standing. I called child support and talked with a case worker about this and she told me she was going to put in a dispute for me saying that the information placed on my credit report was incorrect. 

On XX/XX/20 another case worker called me and informed me that she didn't see a dispute placed and that the previous worker never sent anything in. She then informed me that I would need to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: CA

Complaint narrative:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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 am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft

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 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I purchased a {$100.00} VISA gift card from XXXX on XX/XX/20. When I tried to use it on XX/XX/20 for the first time, the card was declined. The card issuer, Blackhawk Network, said all of the money was used shortly after I purchased it. Blackhawk refused to help me -- customer service told me that they won't take any action 60 days after purchase. XXXX won't help me either -- customer service directed me to contact Blackhawk.

I have learned that thieves are stealing VISA gift card info by opening, then resealing VISA gift card packages. My card has an illegible CVV and a glue that can not be easily removed. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
my bank XXXX XXXX XXXX XXXX XXXX is linked to cash app and it Transferred money to two different people who I do not know on XX/XX/2020 for the total amount of {$3000.00}. Attempt to contact my bank and was I formed I still had to pay back the money because it was from my cash app account. Tried to explain what happened and was still informed it was my responsibility. Attempted to contact cash app and heard no response back. To this pay Im still paying the bank back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
On XX/XX/2020 this bill for XXXX dollars did not go through when it was on auto-bill.I reached out to the company and they said that they saw the the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: CA

Complaint narrative:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft

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 2020-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Clearing House of America, Inc.
State: TN

Complaint narrative:
I retrieved my credit report today XX/XX/XXXX to find Credit Clearing House on my report in the amount of {$140.00} in XXXX, KY. 
I have never lived in XXXX, KY. 
The account open date is XX/XX/XXXX, while I was a resident of the state of Washington 3000 miles away from Kentucky.

I want this investigated and removed from my credit report, I will most certainly seek legal action in the event it remains.

Company response to consumer: Closed with explanation