vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
I will start with the closing process. Although this entire refinance experience has been a nightmare since THEY reached out to me to refinance. 

On XX/XX/XXXX, I went to closing. A notary came to my home at XXXX XXXX. ( because LoanDepot messed up my closing for the day before ). While signing the documents, I realized the amount due to me was incorrect. I immediately called a manager ( XXXX XXXX XXXX that I had been dealing with ( because my loan officer had already dropped the ball numerous times ) and he assured me, that if I gave the notary a voided check, that after my 3 day wait period, the funds would be in my account. 

My refinance should have funded at the very latest on XX/XX/XXXX ( due to the holiday ). Since I had not heard anything, I called my loan officer XXXX XXXX on XX/XX/XXXX and I called XXXX XXXX 's manager, XXXX XXXX and left him a message on his cell phone. I spoke with XXXX XXXX on XX/XX/XXXX, who told me she had been out of the office due to the holiday and assured me she would call me back that day. 

I called HER back on XX/XX/XXXX and she stated it was the title company holding this up because of my name change and divorce. She would have someone call me from the title company. On the same day, XX/XX/XXXX a XXXX XXXX called me from Closing USA and informed me they had a question for XXXX due to my name change/divorce. I explained to him that when my divorce was final, I went back to my previous name, which I sent XXXX XXXX all of the legal court documents ( divorce papers/name change on XX/XX/XXXX and XX/XX/XXXX in an email ( which I have ). I told him like I told her in XXXX, there was NO property settlement agreement which the decree states. I also told him, if they still had an issue, I should have never been allowed to close. I told him XXXX has these documents. He apologized numerous times and stated he would reach out to XXXX and would get it done asap, as they did not want to hold this up for me any longer. 

On XX/XX/XXXX, I called XXXX XXXX at Closing USA, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 's manager who I called in the past and she has never returned any calls ), XXXX XXXX XXXX Director of the refinance department ) a Mr. XXXX XXXX XXXX 's boss ) and XXXX XXXX. ALL of which have not returned any of my calls. 

I emailed all of them this morning XX/XX/XXXX. No response yet ... 

There should be something done with their lack of response. As stated my loan still has not funded ... way past the 3 day waiting period. Please let me know what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: LA

Complaint narrative:
Over 30 Days today since Ive sent documentation on XX/XX/XXXX regarding to those unknown and inaccurate accounts on my credit report but I haven't received any reply. I was a victim of XXXX  Data Breach. I want all those account will be remove to my credit report or I will file a litigation.

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 2020-12-08 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: LA

Complaint narrative:
Over 30 Days today since Ive sent documentation on XXXX regarding to those unknown and inaccurate accounts on my credit report but I haven't received any reply. I was a victim of XXXX  Data Breach. I want all those account will be remove to my credit report or I will file a litigation.

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 2020-12-08 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Yes I recently paid off a collection. I was told this would be a pay to delete. However the company is refusing to remove it from my credit. It has been paid down to XXXX. I have been more than reasonable. Weve settled on a debt and I paid in full. This is holding me back from being pre approved for a home. I have done everything they have asked even requested a goodwill letter especially during this pandemic. This is beyond unprofessional but inhumane. Nobody is willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Re : NOTICE OF DEBTOR LETTER FROM SUPERIOR COURT OF NJ NAMING WILMINGTON SAVINGS FUND SOCIETY , FSB, ( WSFS ) AS CREDITOR RE : XX/XX/2020 LETTER FROM WSFS 1-PLEASE PROVIDE A TRUST AGREEMENT BETWEEN WSFS AND PRIMESTAR-H FUND I TRUST AS EVIDENCE THAT WSFS IS A TRUSTEE FOR PRIMESTAR-H FUND I TRUST 2-PLEASE PROVIDE THE DOCUMENTS WSFS AS TRUSTEE FOR PRIMESTAR-H FUND I TRUST IS RELYING ON TO ASSERT THAT WSFS IS TRUSTEE FOR PRIMESTAR-H FUND I RUST IS THE CREDITOR. 

3-PLEASE PROVIDE DOCUMENTS AND CONFIRMATION WSFS AND/OR WSFS AS TRUSTEE ARE LOCATED AT XXXX XXXX XXXX, XXXX FLORIDA XXXX AS IS THIS IS THE ADDRESS NOTED ON THE ATTACHED NOTICE OF DEBTOR LETTER. 

4-PLEASE PROVIDE DOCUMENTS OF TRUST REGISTRATION.

5-PLEASE PROVIDE NEW JERSEY CERTIFICATE OF AUTHORITY FOR THE PRIMESTAR-H FUND I TRUST.

6- PLEASE PROVIDE REPRESENTATION AGREEMENT BETWEEN WSFS and/or WSFS AS TRUSTEE AND THE ATTORNEY FIRM NOTED ON THE ATTACHED NOTICE OF DEBTOR LETTER.

7-PLEASE PROVIDE ALL DOCUMENTS THAT WSFS AS TRUSTEE PRIMESTAR-H FUND IS THE CREDITOR.

WE DISPUTE ALL CLAIMS BY WSFS AS TRUSTEE FOR XXXX FUND I TRUST.

WE DEMAND THAT WSFS TAKE IMMEDiATE ACTION TO DISMISS THE CASE NOTED IN THE ATTACHED NOTICE TO DEBTOR LETTER. 

THANK YOU, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I opened a account with Chime bank & set up direct deposit from my unemployment account. The next day after my direct deposit was applied to my account chime closed my account and said was closed and they told me that I could not get my money back because of fraud I committed on the account. Which is not true everything matched name, ss #, and unemployment benefits. They closed my account to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: IN

Complaint narrative:
the US Justice Department won a {$95.00} settlement against XXXX XXXX parent company XXXX XXXX XXXX XXXX. 

The source of this lawsuit and lawsuit settlement was rooted in XXXX committing several counts of fraudulent behavior, specifically tied to the way that they advertised their XXXX XXXX XXXX. 

In fact, its basically a false advertising case, where the school made false promises or false claims, in order to lure students into taking out loans to attend their higher education programs on the belief that they were more valuable than they truly were. 

In the lawsuit, XXXX was accused of using deceptive, high-pressure recruiting tactics to generate more enrollments, and as as result of the settlement, each one of XXXX  schools was appointed an independent administrator to monitor recruiting and enrollment practices, ensuring that the illegal marketing activities would end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: OK

Complaint narrative:
have been getting called at least twice a day for the past 5 days from different numbers by the company Sequium. starting on Friday the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time the phone number is different. The phone numbers from the the XXXX and XXXX of XXXX are XXXX, and XXXX. 

Each time i told them to stop calling me and to remove my number from the call list. They are still calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
COMENITYBANK/NY & CO Credut card was opened fraudulently using my personal information. This was not authorized by me. 

I was out of the country from XX/XX/XXXX to XXXX of XXXX. 

See attached FTC affidavit of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Self Financial Inc.
State: TX

Complaint narrative:
Yes I recently paid off a collection. I was told this would be a pay to delete. However the company is refusing to remove it from my credit. It has been paid down to XXXX I have been more than reasonable. Weve settled on a debt and I paid in full. This is holding me back from being pre approved for a home. I have done everything they have asked even requested a goodwill letter especially during this pandemic. This is beyond unprofessional but inhumane. Nobody is willing to help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: IL

Complaint narrative:
I contacted LexisNexis back in XXXX and XXXX and XXXX to advise them of the reporting they submitted to all 3 Credit Bureaus concerning public records not given to them by any entity from the U.S Bankruptcy court in Illinois. I was advised by Lexis Nexis that they show no public records for me and that they would advise all 3 credit bureaus of this information it is now XXXX and XXXX  and XXXX are still showing public records listed on my credit report. XXXX has removed but the refusal of XXXX  and XXXX  to remove this information as in their words based on the information they received from Lexis Nexis. On my XXXX  it says open investigation which has been open over 60 days with no resolution and XXXX  refusal to remove the information as well. I ask that Lexis Nexis contact these entities and correct the information they sent over to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/20 XXXX XXXX XXXX charged {$1900.00} to my credit card. Since I didn't rent nor authorize anyone to rent after XX/XX/20 I called Capital One, I was given a refund. Then I was rebilled. I kept emailing XXXX. First I was told by XXXX there was no record of {$1900.00} being paid by Capital One. I kept insisting until I was told that the charges were for rental from XX/XX/20 to XX/XX/20.I have been fighting both XXXX & Capital One. 
My son XXXX XXXX was an authorized user on my account and, since he couldn't word due to the pandemic, I authorized 2 rentals for him ; Capital One paid XXXX {$470.00} on XX/XX/20 and {$430.00} on XX/XX/20. On XX/XX/20 Capital One emailed me that 2 charges from XXXX were declined ; since I didn't authorize those charges, I removed the authorized user from my account and cut his car up into small pieces but that didn't stop Capital One from paying XXXX {$1900.00}. XXXX even though the account # was entered manually. To add insult to injury, Capital One emailed me on XX/XX/20 that a charge from XXXX to that same non-existing card was declined but the next day {$440.00} appeared on my account. This is outrageous and very unfair. Today I got an email from XXXX and XXXX XXXX stated that the XXXX was reversed. Even though I'm still disputing the charges, Capital One charged me interests and withdrew {$300.00} from my checking in XXXX and XXXX because I'm on automatic payments. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have been a with AMERICAN EXPRESS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: MI

Complaint narrative:
I recently checked my credit report for the first time in a couple of years because I need to get a new lease and seen these unauthorized accounts. Please fix this issue and remove them from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Earlier this year, I purchased two XXXX XXXX tickets, which I initially mistakenly disputed with Chase. I called Chase right away. They said they were going to stop this dispute from reaching XXXX XXXX so that I dont lose my reservations, and that they would rebill me for the initial dispute credit that was automatically given to my account. 
A few weeks after this happened, XXXX XXXX canceled my flight reservation. I called the airline, and they told me that Chase requested the money back, and they processed the cancelation. 
I called Chase, and they told me they didnt have that money. I then went back to XXXX, and they were kind enough to research the charges with their accounting team, confirming that money was sent back to Chase upon their request. 
Since then, Ive reopened the case many times and spent a lot of time with Chase without a resolution. XXXX XXXX confirmed they sent money back to Chase and has never gotten the rebill amount, but Chase wont credit the {$380.00} back to my account. 
I lost my reservation due to Chases mistake, and in my latest conversation, Chase told me that if I had a problem with those charges, to handwrite a letter to the Executive Office at Chase. 
I am writing today to CFBP begging for help with resolving this situation. I am in a vicious circle where Chase is not responding to my inquiries anymore, XXXX confirmed they dont have that money to credit me back, and I spend time on the phone with people from Chase who arent willing to help me. 
I dont have a way to access the transactions and see where the money is and to get it refunded, and I hope CFBP can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-12-08 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XX/XX/XXXX I attempted to open a checking account at Chase Bank at the XXXX Ohio Branch located on XXXX XXXX. I was allowed to open the account and make a {$25.00} deposit. A week later I attempted to make a deposit and was advised that my account was closed. The branch manager advised me that I was not able to open an account because of fraud and a past due balance on my account. My account was closed and I had to wait three weeks to receive my deposit. I did however, attempt to pay the balance but was turned down by the branch manager. 

Upon further investigation my account was closed in XX/XX/XXXX due to a negative balance. My account was never investigated for fraud. I never received any correspondence related to the closure of my account or a notice related to a charge off. 

On XX/XX/XXXX I contacted Chase to inquire about opening a new account. XXXX, the Loss Prevention representative who handled my call advised me that I was unable to reopen my account due to fraud. He advised me that I wrote a check on my account in XX/XX/XXXX which resulted in the check being returned. I disputed this and asked to speak to a manager. 

I spoke to XXXX who identified herself as a manager with Chase Bank NA. XXXX stated my account was not closed due to fraud. XXXX stated my account was closed because of a negative balance that resulted in a charge off. XXXX also stated there was a check written for {$400.00} that was returned but it was not determined to be fraud. XXXX reassured me that fraud was never a reason nor should it have been mentioned for the reason Chase Bank NA closed my account and ended its relationship with me. XXXX stated Chase Bank decided to restrict my account and not do business with me. 

I requested a letter from Chase Bank NA explaining why my account was closed and was denied. XXXX stated she could not provide me with the letter. 

I requested a copy of the {$400.00} check that was returned on my account and was denied. 

I requested an explanation as to why I am not permitted to do business with Chase Bank NA and was denied.

I was advised that Chase Bank NA was exercising its right to not do business with me. 

Chase Bank NA has denied me the opportunity to reconcile my relationship and restore my relationship with the bank. 

Consumers should be given an opportunity to restore their relationship with a major bank. 

Chase Bank NA is engaged in defined, deliberate actions against XXXX American and other vulnerable consumers who traditionally are blocked from doing business with major banks.

Company response to consumer: Closed with explanation