vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Its started with me wanting to buy a XXXX XXXX XXXX   for my girlfriend. I went on offer up and I see a person who I thought was legit. His name was XXXX and the XXXX was for XXXX. I press to buy it on the app but dont work so we used XXXX and that dont work. 
So well did XXXX for my bank chase. I did because I believe they will hold the money and no give it to him and believe chase is very secured. He send me a request under the name XXXX XXXX with the number ( XXXX ) XXXX on XX/XX/2020 For 4XXXX for a XXXX XXXX. 
I accept he received that same day in real time. But claim he dont receive anything. So I called the bank 7 time through the XX/XX/XXXX-XX/XX/XXXX and they said they cant help me and they cant hold the money in real time and they cant give me my money back to even if its a chase to chase account transfer. And the person still claimed that he dont receive anything and also wanted me to send more money to show me how the process should be. I file a report for fraud because I believe he stole for me. But even if he dont he dont receive the money Where is the money because its not in my account. I have been robbed and the bank I trust dont help me in nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
currently i have been trying to relocate my family, however i have been abruptly halted due to issues with my credit. a couple accounts that i am not aware of are on my report. im not sure how this could have happened but, it has held me back long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached. ) This account has been paid and should not be reporting. I have attached a copy of the payment letter from XXXX dated XXXX proving this account has no balance due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached. ) This account has been paid and should not be reporting. I have attached a copy of the payment letter from XXXX dated XXXX proving this account has no balance due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: ID

Complaint narrative:
On XX/XX/2019 we started making payments to CMC Funding Inc, who then had SLS ( Specialized. Loan Service LLC ) take over the payments. Starting in XX/XX/2019, we started getting incorrect statements saying we were behind two payments. They even sent a person to our home to make sure that someone was actually living in it. Today I received a statement that states we are four payments behind, or they have put a lot of late fees on the bill. 
In XX/XX/2019, we went to our bank and from the bank, with the assistance of the Manager, we  faxed bank records to SLS showing that we were current. This has continued since then. Every month we get phone calls and a visit from a gentleman that assures them that we still live here. In XXXX we went once again to the bank and once again with her assistance we gathered all our information and sent it on its way to SLS. Nothing is working. They send us outrageous monthly statesmens, phone calls to no avail, however they are not listening to us or our bank, when we provide the proof of payment. 

We are at the end of a very short rope ... meaning, we are both retired, living off Social Security, making our home payment, and we can not get this company to do their due diligence by researching on their end to see where the payments are going and why it takes so long at their end for the payments to get documented in their system. 
I want to sue them for the balance of our loan. The amount of work, XXXX  and XXXX XXXX   and XXXX  that they have placed on my husband and I for the last six month is overwhelming to put it mildly! I can not keep going like this for the remainder of our loan balance. Granted we just started, however this is so ridiculous for us to go thru every month! We need help dealing with this company as they are not listening, nor are they reading the documents that we are sending from the bank. I have no idea what I need to do next. We have exhausted all of our 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 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC
State: FL

Complaint narrative:
This company charges erroneous fees and could care less as to why you have a collection placed with them. They're simply about collecting fees! 
I was recently a victim of debit card fraud and my checking account was wiped out causing several items to be returned NSF in error to numerous companies, one of them being Checkredi. I immediately filed a fraud claim with my bank at which time they issued me a temporary credit pending the results of their investigation. They also sent me several emails confirming all of the above, which I was able to forward to the numerous companies that had my debit card purchases returned to them. That being said EVERY company that I forwarded my banks email to simply redeposited their items and waived any fees that they had charged me EXCEPT for Checkredi. Upon speaking with Checkredi customer service I was informed that they were unable to reverse their fee because the email from my bank only stated that they had given me a " temporary credit '' while they were investigating my claim and that it didn't mention anything about it being due to fraud. The woman told me that Checkredi 's policy states that I needed to provide them with a signed letter from an Officer at my bank stating that it was indeed due to fraudulent activity on my account. Are you kidding me lady??? All this over a {$6.00} dollar returned debit charge! It's blatantly obvious that Checkredi is merely interested in collecting as many fees as possible, and has no concern whatsoever with regards to the consumers ill fortune. I have also filed a complaint with the Federal Trade Commission in order that they may be made aware of this company 's deceitful business practices. Absolutely ABSURD!??????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I spoke to a mortgage specialist at USBank on XXXX about refinancing my existing FHA mortgage. After submitting my details, I was quoted an interest rate of 3.25 % and approx. {$2700.00} in USBank closing costs. I asked the specialist to proceed with an application and to provide me with a loan estimate sheet by email. On XX/XX/10, I had not received the loan estimate. I called USBank to check on the status of the application and the loan estimate, I was told the 3.25 % interest rate was no longer available and my application could not be processed as quoted. However, I confirmed USBank did initiate a hard pull to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I want to report a possible scheme of fraud by Equifax. 

When you get a report from Equifax thru XXXX, you must create an account with Equifax in order to submit a dispute. If somehow your access to Equifax get blocked, they are unable to unlock it no matter if you confirm your identity thru their authentication process. Their authentication process is one customer service rep asking some questions regarding your credit history. 

Even when you answer all the questions correctly, they are unable to unlock your access. HOWEVER, they try very hard to convince you to purchase a monthly subscription to get access to your credit report and the ability to submit a dispute. Their selling pitch is " if you purchase the subscription, you will have complete access to your credit file ''. 

Clearly, this is a concerted scheme, to deceive customers to pay for something they can access for free. And the element of fraud is in their supposed inability to unlock an access. It seems incredible to me that they can not unlock an access to submit disputes, but if you pay the subscription, then they can give you access to submit disputes. 

When you go to the Equifax XXXX XXXX, you see a lot, and I mean A LOT of similar complaints. Equifax practices must be investigated with urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I checked my credit score and I saw a hard inquiry from Citizens bank. I have never had any interaction with this company. I want to ensure that my identity has not been compromised. A similar thing happened with XXXX  XXXX XXXX. I attempted to open a business bank account and an account was already opened using my social security number with a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of 2015 I was laid off from my job. CitiCard made it very difficult to work with them on a financial hardship plan. Every time I would call the bank, their customer service representatives we're difficult to work with or inexperienced and not helpful. This resulted in getting late payments posted to my credit reports from XXXX 2015. I have had a clean payment history since. I would like for CitiCard to improve their support for members going through financial hardship and work with me on a goodwill adjustment of the late payments in 2015.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: First Credit Services Inc.
State: PA

Complaint narrative:
I received calls from a collections agency called First Credit Services in XX/XX/XXXX about a debt for roughly XXXX dollars for a gym that I never used that I was being told I still owed money for. I attempted to dispute the claim from the standpoint that I had moved from the area and no longer could access that gym. I sent them the appropriate paperwork within the 30 day time period and never heard anything from them again for more than four months until in the first week of XX/XX/XXXX it showed up on my credit report. I called them for clarification and they said they received my documents on XX/XX/XXXX and my dispute was denied by the creditor. However, the collections agency never sent me any documents to inform me of this denial or made any attempt to reach out to me via phone or any other means before reporting it to the credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I made a Full File Disclosure Request Pursuant to 15 U.S. Code 1681g ( a ) ( 1 ) to Equifax in writing. 

I received no response. On XX/XX/XXXX I sent the request again. I included my Security PIN both times. XXXX XXXX, XXXX, XXXX, XXXX, and XXXX  responded. 

I still have not received a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent in a correct to my personal information on my credit report on XX/XX/2020 as follows : To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX XXXX My only employer is : XXXX XXXX XXXX, XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX of this was completed in 30 days as per regulations. I am looking into retaining an attorney to get this matter resolved in the courts if this information is not updated. I included a copy of my driver 's license in the letter. 

Respectfully, 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 non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXXXXXX # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX  XXXX # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX  XXXX # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My children and I are victims of identity theft Bank of America is fraudulently taking my home I was made aware by a big orange sticker on my door I immediately went to the bank sat there for hours with the manager who then seen my name was forged he immediately filed his a fraud claim for identity theft and gave me a copy of the mortgage papers but would not give me a copy of the loan number then Bank of America made me sign and affidavit of innocent and the investigation began at first they were evasive and then when I finally got someone I was told it was the employees that work there even the Notary allowed the fraud to occur I did not give anyone permission to forge my name nor was I ever aware of this whole fraudulent loan and now the bank will not help me prosecute the people who did this What they will down is put me and my children on the streets I dont know what to do I need help please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX ID # XXXX attempts to collect on what is KNOWN ID THEFT By USAA FTC XXXX see attatched. see CFPB usaa response. XX/XX/XXXX XXXX USAA IS WELL AWARE OF THIS ID THEFT BUT HARRASSES ANYWAY. 18 SCAM CALLS then I answered. see attatched FRAUD CLAIM DATE {$470.00} XX/XX/XXXX Confirmed Unauthorized and STILL UNRESOLVED.?? see attatched CRIMINAL INVESTIGATION OF USPS DELIVERIES XX/XX/XXXX proof Not delivered into my hands. see attatched ( Duties when ID THEFT Occurs * LAWS IGNORED BY USAA. XXXX see attatched ( FCRA STATUES * 15 LAWS USAA IGNORES. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: IL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Received mortgage assistance offer dated XX/XX/2020 from PHH Mortgage for 3 trial payments.Received property foreclosure sale letter from XXXX XXXX XXXX for the sale of my house XX/XX/2020. I don't understand why I received foreclosure notice if I'm approved for mortgage modification. I don't want to lose my house to foreclosure. 
The Insurance company for my home has sent me a estimate to replace the roof. 
PHH Mortgage sent me a letter saying they would only send a check for 25 % of funds to repair my roof and I had to use a certain contractor. I have a contactor I want to use and water is pouring in my home when it rains. Please Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation