vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
WAS CONTACTED BY CHASE BANK FOR A POSSIBLE FRAUDULENT CHARGE ON MY CREDIT CARD THEY HAD ALL MY INFORMATION ALREADY I TOLD THEM I DID NOT MAKE THE CHARGES THAT THEY WERE TALKING ABOUT SO THEY CANCELLED CARD ISSUED ME A NEW CARD THAT SAME DAY SOMEONE WENT INTO MY BUSINESS CHECKING ACCOUNT TOOK XXXX $ AND PAID DOWN ON A CREDIT CARD THAT HAD NO BALANCE NOW I HAVE XXXX CREDIT ON A CREDIT CARD LATER THAT DAY SOMEONE CHARGED THE CARD FOR APPROX XXXX INCLUDING FEES. I IMMEDIATELY CALLED AND REPORTED THIS AND AFTER A FEW DAYS THEY DENIED MY CLAIM.THIS ALL STARTED XX/XX/2020 THEY SENT ME A DENIAL LETTER WITH A XXXX XXXX AS CONTACT PERSON. I REPEATEDLY CALLED THE CONTACT # XXXX LEFT MESSAGES TWICE A WEEK FOR MONTHS NO RESPONSE. NOW FORWARD TOXX/XX/XXXX ANOTHER CHASE PHONE CALL BECAUSE THEY ARE TRYING TO VERIFY CHARGES ON MY ACCOUNT. I TOLD THEM I DID NOT MAKE THOSE CHARGES AGAIN CANCELED CARD AND MADE REPORT. ACCOUNT THEN GETS A CHARGE FOR XXXX. BOTH THESE CHARGES I DID NOT MAKE AND WERE REPORTED TO BANK ALMOST IMMEDIATELY TO NO AVAIL. I BELIEVE THE BANK HAS AN INTERNAL ISSUE SOMEONE IN THEIR COMPANY IS CREATING THESE SITUATIONS THEY JUST HAD TO MUCH OF MY INFORMATION. THESE CHARGES BOTH ORIGINATED IN XXXX AND THE PERSON [ S ] HAD XXXX ACCENTS.I HAVE TALKED TO MANY BANK EMPLOYEES AND THEY EVEN AGREE WITH ME THAT THIS IS FRAUD BUT YET THE BANK DENIES.I ALSO BELIEVE THAT THE BANK DIDNT GO FAR ENOUGH TO SOLVE MY ISSUE.IF IT WASNT FRAUD THEY SHOULD HAVE PERSUED JUST CANCELLING THE TRANSACTIONS. I ALSO SENT IN A WRITTEN COMPLAINT IN XXXX NO RESPONSE.THE BANK DIDNT HELP ME I DID NOT MAKE THOSE CHARGES REPORTED THEM RIGHT AWAY AND STILL THEY DENIED THE PROBLEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TX

Complaint narrative:
I placed security freezes on the 3 major credit companies due to identity theft I fell victim to. I recently applied for a personal credit card with XXXX and a business line of credit/ SBA loan but was told I was denied because they couldnt obtain a copy of my reports. I have tried to contact all 3 to have it temporarily lifted but have been unsuccessful. 
Thank 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 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My mortgage with Bank of America allows for prepayments to reduce interest and the bank is not properly reducing my interest. 

For the following months I made a prepayment which should have impacted my interest charged, but which did not : Payments due XXXX, XXXX, XXXX, and XXXXXXXX  XXXX. I contacted the bank onXX/XX/XXXX and was given case XXXX and told they would research and get back to me in 7-10 business days. They did not. I called back on XX/XX/XXXXand spoke with XXXX who said a manager ( XXXX from the Payments Dept, or XXXX or XXXX, XXXX XXXX  managers ) would call me back by the next day. It did not happen. I called back again on XX/XX/XXXXand was told my case had been closed because it was entered incorrectly. They gave me CTR Team Case XXXX and said they would be get back to me in 7-10 business days. They have not. These calls ( and others where I hung up out of frustration at being left on hold ) have taken at least 3 hours of my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
That is falsely listed on my credit report. The amount {$1700.00}. owed are no longer outstanding for the following items :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I mailed a check priority mail to XXXX XXXX XXXX XXXX Texas. It was placed in the wrong post office box XXXX XXXX XXXX TX Wells Fargo deposited the check into their account. It was written for {$6000.00} but I inadvertently wrote the numerical amount for {$6900.00}. It was written XX/XX/XXXX and cleared my bank for {$6000.00} on XX/XX/XXXX. I filed a fraud claim XX/XX/XXXX with my bank XXXX, XXXX XXXX, VA. Nothing has been done. My son went into Wells Fargo in California and was told by the branch manager that it is in an actual Wells Fargo owned account. On XX/XX/XXXX I spoke with XXXX with Wells Fargo Customer Advocacy she took my complaint XXXX. My case manager is XXXX XXXX. I was able to speak with him on XX/XX/XXXX and he listened. He said he would call me on XX/XX/XXXX. I called him on XX/XX/XXXX he told me that it is a Wells Fargo account and it is noted that the deposit is in error. He said he would call me back. He has not. I called and it rings once then nothing. I am not getting my money returned or any answers. I have since paid XXXX XXXX in full. I need Wells Fargo to return my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
I was enrolled in a Covid -19 program I split one payment into two payments for one month. I submitted the {$91.00} later in the month. The {$91.00} was added to my monthly payment due when I called in for the error to be corrected. Then the money reversed out again in XXXX, causing XXXX payment to require a {$91.00} payment. Mr. Cooper has mismanaged my account and the errors needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: LoanCare, LLC
State: MD

Complaint narrative:
It was a FHA mortgage that was in CARES Act forbearance and was repeatedly assured that no negative reporting would occur. The house was sold and paid in full then after LoanCare LLC reporting 90 days late and my credit score was greatly affected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed over and over the public record information has on my credit file. I did not know I could view PACER myself and now I have. The information TransUnion and XXXX are reporting on my credit file for USBK Court Southern Texas Docket # XXXX and USBK Court Southern Texas Docket # XXXX is not mine and needs to be removed under the FCRA 623 ( a ). In PACER these bankruptcy cases show an address in XXXX that is not mine, and is not on my credit file because I do not and have not lived at the address listed on the bankruptcies mentioned above. In PACER the information for the above bankruptcies does not show a date of birth so how are these accounts being tied to my date of birth and there are only the last four digits of an SSN so how is this information be tied to me? The information in PACER for bankruptcy case # XXXX, XXXX do not have a full SSN, the address shows is not mine and there is no date of birth to confirm. How is is being determined this information is mine? How is this information being validated and proven accurate as belonging to me and on my credit file? Whomever is responding to these complaints is not doing their research, not reading my attachments and is giving me a waste basket response. THESE PUBLIC RECORD ACCOUNTS ARE NOT 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 explanation
Consumer complaint received 2021-01-18 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: FL

Complaint narrative:
I settled the XXXX with account number XXXX XXXX XXXX XXXX. This account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, I wrote a complaint about a week or so ago about the Executive Response Team not being of any assistance and being told that my account needed a 24-48 hour review my account. Got the run around multiple times from supervisors, employees, call center reps, you name it. Well then the CFPB wrote in that my account was corrrected and it was " for my protection '' Today- I went in to XXXX  my fianc {$400.00} dollars ( I XXXX him between XXXX a month depending on bills and expenses ) Recieved a text alert saying can you verify this transaction I selected " yes '' and then it said " thanks all set nothing more to do '' Tried again and my account was LOCKED and placed on a 24-48 hour hold again so I can not access my money ... .... 

This is unacceptable - the representative I just spoke to told me that I needed to wait couldn't access my money and if I needed to I could reach out to a lawyer but she has no insight as to what is going on and can not help and there were no supervisors online or in the office. 

WHAT IS GOING ON. This is beyond unacceptable and at this point if I don't get a resolution my only option will be to contact a lawyer I can not not have access to my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: MD

Complaint narrative:
It was a FHA mortgage that was in CARES Act forbearance and was repeatedly assured that no negative reporting would occur. The house was sold and paid in full then after XXXX XXXX reporting 90 days late and my credit score was greatly affected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: MD

Complaint narrative:
It was a FHA mortgage that was in CARES Act forbearance and was repeatedly assured that no negative reporting would occur. The house was sold and paid in full then after XXXX XXXX reporting 90 days late and my credit score was greatly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It was a FHA mortgage that was in CARES Act forbearance and was repeatedly assured that no negative reporting would occur. The house was sold and paid in full then after XXXX XXXX reporting 90 days late and my credit score was greatly affected.

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 2021-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: TX

Complaint narrative:
I have disputed this company which has 2 delinquent accounts on my credit report. 
This company claims I owe the city of XXXX for ambulance services. I have never been in an ambulance in XXXX, Texas or XXXX County. This information is inaccurate. I have asked repeatedly for proof to verify this debt with no response. They told me through the XXXX  that they could not release this information to a third party. This is my last step before I contact an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TX

Complaint narrative:
I placed security freezes on the 3 major credit companies due to identity theft I fell victim to. I recently applied for a personal credit card with XXXX and a business line of credit/ SBA loan but was told I was denied because they couldnt obtain a copy of my reports. I have tried to contact all 3 to have it temporarily lifted but have been unsuccessful. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I placed security freezes on the 3 major credit companies due to identity theft I fell victim to. I recently applied for a personal credit card with XXXX and a business line of credit/ SBA loan but was told I was denied because they couldnt obtain a copy of my reports. I have tried to contact all 3 to have it temporarily lifted but have been unsuccessful. 
Thank 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 non-monetary relief
Consumer complaint received 2021-01-18 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: FL

Complaint narrative:
I settled the XXXX  with account number XXXX XXXX XXXX XXXX. This account has been paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I settled the XXXX with account number XXXX XXXX XXXX XXXX. This account has been paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My problem with 2 Banks : -1- XXXX XXXX  XXXX Bank of America i , m lost between them - i sent before complain ( CFBP XXXX against XXXX XXXX ) no solve - now i would like the both banks contact together see my problem, one bank say my check is cashed and another bank say it is returned i have checking acc., with XXXX XXXX and I have credit card with Bank Of America my account with XXXX XXXX  XXXX - i, m afraid to write my credit card here ( please call me to give the number to you or my full name on bank of America credit card is XXXX XXXX XXXX XXXX last 4 digit XXXX XXXX please read my XXXX com [ lain ( XXXX ) and i complain the both -i need them to make investigation or talk together now my money lost between them - and I have late all my payments - please i woauld like to ask XXXX XXXX  contact and communication with Bank of America or Bank of America contact or communication with XXXX XXXX i have two letter from them one say it is cached and another say it is returned to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed complaint against Amex last year and as I informed CFPB and suspected they retaliated against me now and Amex suspended my Reward points and told me they are under review. I wanted to transfer that reward point for airline ticket purchase but I couldnt do it as they put hold on my rewards account!! 

This is a clear action of retaliation. 

My previous complaint # XXXX Please help me get my rewards account back. I have over XXXX points in my Amex reward account. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed over and over the public record information has on my credit file. I did not know I could view PACER myself and now I have. The information XXXX  and Equifax are reporting on my credit file for USBK Court XXXX Texas Docket # XXXX and USBK Court XXXX Texas Docket # XXXX is not mine and needs to be removed under the FCRA 623 ( a ). In PACER these bankruptcy cases show an address in XXXX that is not mine, and is not on my credit file because I do not and have not lived at the address listed on the bankruptcies mentioned above. In PACER the information for the above bankruptcies does not show a date of birth so how are these accounts being tied to my date of birth and there are only the last four digits of an SSN so how is this information be tied to me? The information in PACER for bankruptcy case # XXXX, XXXX do not have a full SSN, the address shows is not mine and there is no date of birth to confirm. How is is being determined this information is mine? How is this information being validated and proven accurate as belonging to me and on my credit file? Whomever is responding to these complaints is not doing their research, not reading my attachments and is giving me a waste basket response. THESE PUBLIC RECORD ACCOUNTS ARE NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I applied for a rate/term refinance on my second home at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The XXXX is less than 50 %, my XXXX is over XXXX and my income is more than adequate to qualify. I was promised a 30 year fixed rate of 2.50 % with no closing costs or prepaid costs. I made application on XX/XX/XXXX. XXXX of the forms I signed was a lock-in agreement where I agreed to float the rate. I told the MLO I did not wish to float, but he said not to worry. On XX/XX/XXXX he verified that I was locked in per the email included. I also told him to lock my home at XXXX XXXX XXXX, XXXX, NC XXXX. Since that time he has been extremely difficult to reach via phone or email. Suddenly I get an email from him on XX/XX/XXXX saying the XXXX XXXX XXXX was never locked and he has no recollection of my request for the loan and identical lock on XXXX XXXX. I respond on XX/XX/XXXX, that he is in error and that I would be forced to contact the CFPB for help. On XX/XX/XXXX, I receive an Adverse Action with denial based on lack of documentation. I had previously delivered all requested documentation to him and had asked him what else he needed. He said we were fine. Whatever is going on here is not right. Please help me. Thanking you in advance. XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On multiple occasions my car loan with Santander consumer. Goes up in value. I cant trade the car in nor can I afford the payment any longer. The interest is really high. I often Call try to lower the monthly and have received no success. With the pandemic they have always reported that it was late where the cares act state they shouldnt. Ive also asked for XXXX payment removal with no success. The account doesnt even report properly with many different information across the three credit Bureau. While always reporting lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: FL

Complaint narrative:
In the middle of XX/XX/2020, I received a settlement offer and paid what was requested in the settlement offer. When I checked the company website they subtracted the amount that I paid from the original amount and still show me as owing money instead of paid in full as per the settlement letter that I received. 

This company has not reported this payment and or settlement offer to the original creditor. I also note that a second collection agency in on my credit report for this exact same charge and refuse to remove the charge.

Company response to consumer: Closed with explanation