vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Set up with IRS portal to have my {$1200.00} Covid 19 stimulas Check direct deposited. 
That Bank is XXXX. 

That transaction happened, without problem. 

Next, I set up a external account tied to JP Morgan Checking Account. 
My goal was/is to use {$900.00} of above to Pay my Rent for XXXX. 

Prior to setting Up External Account- Chase had protocal of depositing two small amount into the XXXX account. Once those happened- I was told to log back onto my online Chase Account to verify these Deposits of XXXX cents and XXXX cents. 

I did that step and External link to XXXX was established. I then went ahead to set up a transfer from XXXX Account into my checking account at JP Morgan of {$900.00}. Screen indicated it would be done on XX/XX/XXXX. I logged onto JP Morgan Account in late evening of XX/XX/XXXX and Account was blocked for access due to purported " suspesious '' activity. I called their customer service ( 32 minute wait time ) - and said they needed to call XXXX XXXX to confirm this {$900.00} transfer I requested. They put me on hold. Once back online told by they could not reach XXXX by phone and were going to close my account. I said just cancel this external account and Reactivae my needed Checking Account. Said I would have online access in a day. That did happen. However this is NOW URGENT MATTER : On XX/XX/2020 part of my much needed government Covid 19 emergency moneys was transferred at XXXX XXXX to JP Morgan. THIS {$900.00} IS NOT IN MY CHECKING ACCOUNT FOR ME TO PAY MY RENT! 
The external link now shows NO XXXX indication. This {$900.00} is out somewhere and it is rightfully mine to access. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters i continued to receive in the mail. I have never heard from the place before, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX {$430.00} XXXX XXXX {$1200.00}

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 2020-04-30 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$2300.00}

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 2020-04-30 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$2300.00}

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 2020-04-30 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$450.00} XXXX  XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TX

Complaint narrative:
I have two accounts with XXXX XXXX, the account in question ( account # ending in XXXX ). The account is paid in full ( meaning I haven't made any charges on the account in over a year ) however each month there is a monthly servicing fee that is charged of {$7.00}. I missed the payment for XXXX due to everything that is going on with COVID and paid the balance on XX/XX/XXXX which was {$13.00}. 

I spoke with a young lady on the date I made the payment in full and asked her specifically would this report negatively on my credit report. She stated to me " No ma'am this will not report negatively on your credit report because you paid before the XXXX, our company doesn't report until the last day of the month '' I said thank you. 

Today XX/XX/XXXX, I receive an alert from Experian that this account was reported negatively to the credit bureau. I immediately contacted XXXX XXXX and spoke with XXXX, I asked her were their calls recorded and she stated yes. She went to tell me that I paid after the XXXX of the month, and that's the reason why my delinquency was reported, and when I advised her of what the previous agent said XXXX stated that " they normally report on the XXXX, but this month they reported to the credit bureau on the XXXX '' I then asked, could the previous agent not have seen this, and she stated " she didn't know why the previous agent didn't see it and gave me incorrect information '' I asked her could she remove it from my bureau and she stated I would have to dispute it with credit bureau or in writing to them. 

I was clearly given false information which lead me to believe that my payment would suffice and prevent any delinquency being reported to my XXXX. This company has violated UDAAP practices by giving false and misleading information and I would like for this derogatory information to be removed from my credit bureau immediately.

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 2020-04-30 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: ID

Complaint narrative:
Disputed an inaccurate ( fraudulent ) account showing on my credit report. 
XXXX XXXX XXXX is an account that does not belong to me. 
Submitted dispute to experian and it stated it was removed. 
This account is not mine, because I have not had XXXX  services. This account states it was opened XX/XX/2019. 
It is still being reported by Transunion and 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 2020-04-30 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
The credit report does not supply an address for the unknown company : Castle Credit. They pulled hard inquiries on my report XX/XX/2020 and XX/XX/2020. I do not recognize their name and have not done business with any such company. No address was provided with their inquiry. I have been turned down for credit previously for having too many hard inquiries some of which like this company, I do not know and another that told me they would not pull a hard inquiry and did so anyway, although I did not do business with them. 

There should be a significant penalty for false inquiries such as this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUOFF MORTGAGE
State: OH

Complaint narrative:
Beginning XX/XX/XXXX I received a letter from Ruoff Mortgage stating their records showed I had no insurance on my property. I called informing them that my insurance company changed 3 days after loan closed XX/XX/XXXX. Gave them the updated company name, phone number and policy number. Late the following month, XX/XX/XXXX, my insurance company contacted me stating Ruoff hadn't paid, from my escrow account, my insurance premium yet and that my policy would expire XX/XX/XXXX. I called Ruoff and they said they didn't have my insurance company, XXXX, on my account and therefore couldn't them. Again, like the previous month, I gave all of my insurance information to Ruoff so they could correct their record on my account and pay my insurance premium. A couple of weeks pass and my insurance company calls to say no payment has been received, and my policy would expire in a week. At that point, afraid my policy might expire before Ruoff would finally straighten their records out, I paid directly to XXXX to keep sure my policy wouldn't expire -- XXXX said they'd refund me once Ruoff finally pays them -- I made that payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX finally paid my insurance premium to XXXX out of my escrow -- happy day, right? No, although Ruoff paid my insurance to XXXX on XX/XX/XXXX, they then purchased a policy in the amount of {$1300.00} on XX/XX/XXXX. Why? Because they said I had no insurance. They've added an increase in my payment to " repay '' them for this {$1300.00} policy. I've called multiple times over the last 2 months trying to correct this, their mistake. My insurance company has emailed them all of my information 2 times over the last month, as have I twice, and faxed them the insurance policy 2 times as well. I even received an email back, once, from Ruoff acknowledging they received my insurance, but they're yet to refund the {$1300.00} and re-adjust my monthly payment accordingly. Over the last 4 weeks I've spoken with 3 Ruoff associates,  and 2 managers by the name of XXXX -- each time they say the don't have my XXXX insurance policy and act as if it's my first time calling about the situation. When I spoke with the Ruoff manager,  XXXX, last time I asked how could they not have my XXXX insurance on file, then how did they pay XXXX my premium on XX/XX/XXXX? And by paying XXXX on XX/XX/XXXX for my inurance why would they then pay {$1300.00} for that other policy 47 days later on XX/XX/XXXX? It makes absolute no sense? Now I'm XXXX XXXX from my job due to COVID-19 and although I can pay my house payment, the extra added amount to " pay back '' that {$1300.00}, which is their mistake, is very difficult. This needs corrected, it's wrong and it's their mistake that will not fix

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Received incoming call from ( XXXX ) XXXX at XXXX. Debt collector said they were from RMP debt collection and that I owed {$140.00} from XXXX XXXX XXXX provider. I was not aware of an outstanding medical bill and I did not receive mail or communications about it and rep said that I should have. I recognized the medical provider so I gave my credit card info over the phone and was charged {$140.00} on XX/XX/2020. 

I checked my records and I had already paid this bill on XX/XX/2020. I called the number back and spoke to a rep about getting a refund. They told me to text photos of proof of payment. I texted 2 photos, I of the bill that I marked " paid '' with the date and also a screenshot of my credit card statement that should the same XXXX XXXX bill that was charged on XX/XX/2020 for {$140.00}. I did not receive further communications about receiving a refund. I believe RMP Debt Collection agency should be scrutinized and investigated for their practices. This isn't the first time we've encountered " errors '' that have caused us harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: OK

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$59.00} XXXX  XXXX {$1300.00} XXXX   XXXX  XXXX {$470.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$28000.00} XXXX  XXXX {$650.00} XXXX   XXXX {$18000.00} XXXX  XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: ID

Complaint narrative:
Disputed an inaccurate ( fraudulent ) account showing on my credit report. 
XXXX XXXX XXXX is an account that does not belong to me. 
Submitted dispute to XXXX  and it stated it was removed. 
This account is not mine, because I have not had XXXX services. This account states it was opened XX/XX/2019. 
It is still being reported by XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
I fell behind in payments due to covid-19. I thought there is a law protecting consumers XXXX XXXX. XXXX XXXX. 
I told the guy it was because of the covid-19 and he told don't worry about it

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 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
I paid my rent, put my rent in the drop box of XXXX  at XXXX XXXX. A week later I got an eviction noticed on my door, when I went to the office I seen other tenants where up there with the same issue. They then said someone broke into the rent box, and they wanted me to repay my rent again, and I refused to repay the amount so we went to court. The judge ruled that I wasnt in charge for the debt due to the fact I had my money order receipts and once the money was in the property drop box that they have for the tenants to pay there rent there responsible. Later found out it was an old employee who did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$450.00} XXXX  XXXX {$12000.00}

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 2020-04-30 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$450.00} XXXX  XXXX {$12000.00}

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 2020-04-30 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: Social Finance, Inc.
State: TX

Complaint narrative:
I paid off my SoFi Loan # XXXX on XX/XX/2020. SoFi has updated the credit bureaus that the loan has been paid in full expect XXXX. I submitted a dispute to XXXX  and the result came back as still owing a balance. The loan balance had been updated to XXXX and then XXXX  placed a balance back on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX  XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.

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 2020-04-30 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I did a credit card transfer to HSBC several months ago to take advantage of 0 % interest for X number of months. I was given a {$5500.00} limit which is far below what I get with other banks given the money I have and my good credit in the past. 

Recently, I made charges that went roughly $ XXXX {$200.00}, beyond the limit. I do not keep track of what I owe because I have plenty of money. This is my only debt!!!! I could pay this off today if I wanted but I need some credit. 

When I went over the {$5500.00} in spending HSBC NEVER DECLINED THE SALE!!!! When I spoke with XXXX at XXXX ( collections ) she told me it was my responsibility to know how much I owed, hence saying it was my fault this happened. 

NOW MY XXXX  SCORE IS DOWN TO XXXX. This is unacceptable!!! HSBC took my money then punished me for it. I am seeking employment and this will cause a problem. With my next payment I will be within {$30.00} of my credit limit. Again, I COULD PAY THIS OFF TOMORROW BUT I NEED CREDIT and given the trying times I am not going to pay this off but I might transfer it elsewhere given the treatment.

Company response to consumer: Closed with explanation