vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom It may concern my name is XXXX XXXX, I was a customer with Chase bank for 12 years. My Chase checking account number was XXXX, and on XX/XX/2020 Chase closed my account for no legitimate reason. On that same day that my checking account was closed XX/XX/2020 by Chase bank I currently had the amount of {$9200.00} in my checking account. Again, Chase bank decided to close my checking account for no legitimate reason, when I spoke to the branch manager XXXX from the XXXX XXXX CA. branch, and XXXX manager I asked both for an explanation the Chase branch manager, and his manager had a very rude response stating that Chase can close any ones account to their discretion, and do not have to give any type of explanation. Both Chase managers also stated that Chase will mail me a cashiers check in 10 business days for my remaining funds from my account which was in the amount of {$9200.00}. I never received my funds from Chase, I tried to contact Chase numerous of times concerning this issue can could not get through. The last time I called connected Chase I did speak to someone in the fraud department and this person had me on hold for almost an hour and then they disconnected the phone. The bottom line is Chase do not have to right to hold anyones money for over four months after they close their account. I started a XXXX XXXX XXXX last year as a XXXX XXXX, in which by law I can use my personal bank account to conduct business as a XXXX XXXX  The funds in my account was a grant given to me to help my business, and again by law chase bank those not have to right to keep my {$920000.00}. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: FL

Complaint narrative:
I'm a victim of identity theft, this is wrong when Creditors do not verify new and open accounts. I did not give Consent on theses account, someone used my personal information without my Authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a wrong name and previous address as a XXXX XXXX XXXX never used

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I believe my identity was stolen due to a false Unemployment Claim being made in my name. I was advised by the Commonwealth of Massachusetts to take a number of steps. One of these steps was to put a hold on my credit reporting accounts. I contact all three credit agencies and for two of them this was a straight forward process, as the law indicates it should be. Experian was the exception. Instead of granting my request, as they are legally obligated to do, they tried to sell me a separate that I was not interested in. The company has also refused to respond to my request.

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 2020-12-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a customer of Citibank since 1997 when I became an attorney. I have a client trust account and a business account with a debit card. 
On or about XXXX XXXX, I was charged {$2300.00} by XXXX  for a mens jacket which was not placed by me and I never received it. 
After hours of staying on hold with XXXX, informing them this was fraudulent, XXXX finally agreed and intercepted the delivery, only later to then allow the fraudster to pick up the package from a XXXX. Since then I have spent over 40 hours on hold with Citibank ; made three visits to the bank and was told a case was opened. 
Last week I visited the bank again and was told nothing has happened to my case. 
Again I called the bank and after many transfers to various departments, was hung up on. 
I will attach the letter I received from Citi as well as my response and attachments to my response. We have also tried escalating with XXXX for 20+ hours and have been told Citi will handle 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 2020-12-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
The Complaint is against Ocwen Loan Servicing. Ocwen loan servicing is engaging in mortgage back securities to defraud investors which is a federal crime. Ocwen loan servicing fraudulently created mortgage back securities to defraud investors. Please see attached letter from Ocwen ( Exhibit 1 ) On XX/XX/XXXX see attached notice of ownership change from Ocwen claiming they transferred dated XX/XX/XXXX to XXXX pass-through trust  XXXX. The letter states Its for informational purposes only and required by federal law. It also states the transfer of ownership has not yet been publicly record. ( See Exhibit 2 ) On XX/XX/XXXX ( Years after the trust was closed ) Ocwen fraudulently created a corporate assignment of mortgage from XXXX XXXX to XXXX not in its individual capacity but solely as trustee of XXXX pass-through trust  XXXX see attached ( exhibit 3. ) Ocwen loan servicing created fraudulent mortgage back securities and sold it in the stock market to investors. The assignment was never recorded under XXXX XXXX as trustee in XXXX  land  Court bureau of conveyance. The consumer financial protection bureau and Securities and exchange commission should Immediately investigate Ocwen loan servicing for creating fraudulent mortgage back securities and defrauding investors which is a Federal crime. If XXXX XXXX  is trustee for the XXXX Passthrough trust XXXX then Ocwen loan servicing needs to produce a recorded assignment in the name of XXXX as trustee on or about the closing date of the pooling and servicing agreement. I am asking the CFPB to immediately look into these fraudulent mortgage back securities that XXXX XXXX, Ocwen, XXXX XXXX XXXX and XXXX are engaging in. Im asking Ocwen loan servicing through CFPB ( Consumer financial protection bureau ) to provide a copy of the recorded assignment showing XXXX as trustee for the XXXX Passthrough trust XXXX as required by the pooling and servicing agreement. We have many unrecorded fraudulent assignments that Ocwen created to produce fraudulent mortgage backed securities with no clear title of the property. Ocwen loan servicing should stop creating unrecorded assignment of mortgages to engage in mortgage backed securities fraud which is a federal crime. I'm asking the CFPB or the proper entity ( Security and exchange commission ) to immediately investigate Ocwen loan servicing in their mortgage back securities fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: PA

Complaint narrative:
I contacted Equifax about a charged off account reporting incorrectly on my account. The company reported that I owed XXXX $ although went into a settlement with the company. I disputed and Equifax showed a settlement letter. Equifax stated the company " verified I owed the remaining balance '' regardless. The company, XXXX, finally updated to reflect the settlement amount since I was right, and reported the balance as XXXX. They reported as " Account paid in full for the less balance/settled '' with XXXX/XXXX. I called Equifax to let them know I did not dispute the amount owed anymore since XXXX updated the amount to XXXX. The customer service rep updated my dispute to state " customer disputes after resolution '' even after this. This was on XX/XX/XXXX. This is not what I had asked them to do. After receiving an updated copy of my report through XXXX, it showed XXXX as " 120 days past due/Charged Off '' for Equifax only. There is nowhere that states I paid this account nor does it state the account is now closed. The other two credit reports do. I was told XXXX reported it like this. I asked how XXXX would report the same account differently two 2 out of 3 bureaus.There is also a collections on my Equifax that was removed 2 weeks ago from the other two reports. I was instructed to call the collections company, which I did on XX/XX/XXXX, and ask them to remove it. XXXX XXXX informed me it was reported and it is Equifax that has not removed it yet not them. So they lied about why it was still on my report. My score is 20 points lower on Equifax due to their incorrect reporting ; however, they will not update my report regardless of the proof. They open disputes which takes up 30 days of a person 's life and then respond with " Verified by company '' although when I contact the company, they inform me that there was no verification on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NJ

Complaint narrative:
Been trying to place protective credit freeze with Equifax. Tried online and it blocked me after I provided full and all correct identification data. Then tried with their specials auto phone service and it didn't work, then I tried their special app XXXX XXXX XXXX and it too did not go through despite all correct data provided. Tried calling in without success 3 times, then sent email to customer support asking for a call back. they responded they don't call back and directed me to these same online and phone options that didn't work. I sent another email insisting to get call back they refused again. Finally got them on the phone and after a long, very annoying and tedious automatic process on the phone I finally reached a human person from support only to provide the same identification data which he confirmed is all correct. He had to place manual freeze cause the online system still didn't allowed me to do it. He claimed they have " refreshed '' my details and it should be OK within 2 hours cause they have a " system update '' now. I asked him to call me in 3 hours so that we can log in together to the system and see if it now works. He claimed they don't do call backs. I requested to talk to a supervisor explained that I am trying for 3 days to put this frees, and they still can't help me due to their own system issues, and I demanded someone will call me back so I don't have to again go through the whole long, tedious and very annoying identification process just to maybe get connected with a customers support rep. She refused and said they don't do call backs. I then asked to talk to her supervisor and she claimed their is no other option to escalate. Also they said the freeze confirmation will be confirmed by regular mail within 7-10 business days. They don't confirm it by email despite the fact that both XXXX and XXXX  confirmed the freeze with email after a short and easy process. 

Equifax is a credit rating company that operate and manipulate our personal data, and they can have major impact on our lives with their credit rating service. It is totally unacceptable that such company that uses our information and data, does not provide a suitable high level customer support service to the very same users/customers from which they make their revenues. I expect CFPB to audit Equifax, reach their CEO and force them to up their game and improve their customer support operation and service. Their current level of support is totally unacceptable. They can learn from XXXX  and XXXX  how to make this easy and transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is my 1st CFPB complaint I have had to make about the lack of response. However, I have filed disputes submitted directly to XXXX, XXXX  and Equifax. While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my first dispute on XX/XX/2020. This is not a delay ; this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by anyone to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Equifax and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: GA

Complaint narrative:
I recently disputed my Bankruptcy with XXXX with all of the documents supported and I sent in the Court Documents stating that the courts do not report to the credit bureaus ( see attachment ) so they are illegally reporting and I received a response from XXXX stating that they can't locate the disputed item ( Bankruptcy ) in their database in which I sent a copy of my report from XXXX which has the bankruptcy in the report ( See attached ) along with a letter to dispute with the references numbers along with my social along with telling them its a Bankruptcy. so this item needs to be deleted immediately from all three credit bureaus along with XXXX for having inaccurate information on my Credit Report and sending an inaccurate statement in writing. 

I have all supporting documents to prove this case and their response as well.

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 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
An account was originally deleted on my credit report from XXXX  XXXX which is being handled by portfolio recovery services a third party collection. This account has been reinserted into my credit report and I was not notified within 5 business days of the reinsertion which is required per the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ). I am hereby requesting that this item is deleted from my credit report as the credit bureau and creditor are in direction violation of the law to refrain from taking legal action due to their blatant disregard for the law..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: TX

Complaint narrative:
Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint Date Opened XX/XX/XXXX Status Account charged off. {$36000.00} written off. {$38000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$38000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$37000.00} Highest Balance {$0.00} Terms 77 Months On Record UntilXX/XX/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 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I started an application with Rocket to refinance my home on XX/XX/XXXX probably around XXXX EST. When I got to the screen where I asked for consent to pull my credit report I did not proceed. While I was on that part of the process I noticed that there was no option to add a co-applicant. I went back to a prior screen titled 'Who 's on the Loan '. When that did not let me add a co-applicant if I selected that I was not married I engaged in their chat feature. The first agent I chatted with transferred me to XXXX XXXX who said he was a banker and could add a co-applicant later. 

At XXXX XXXX  the next day ( XX/XX/2020 ) I received a text from XXXX XXXX stating an interest rate he had qualified for me for. Around that time I received alerts from two credit card companies stating I just had a credit pull done. I never authorized a credit pull, never completed the application and up until that time on the XX/XX/XXXX I did not even log into Rocket Mortgage, communicate with XXXX XXXX or had contact of any type with any one associated with Rocket Mortgage or XXXX XXXX. 

I would assume that if I would have authorized a credit report to be accessed on Rocket Mortgage 's website it would have been done right then through their system and not the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reported to XXXX XXXX about this auto loan that was fraudulent put in my name through a family member without my authorization.. I want to know how I was able to get a car loan making only 15 hours a week! This account is fraudulent and need to be remove from my account Im attaching the work number data for my hours I worked at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reported to XXXX XXXXXXXX about this auto loan that was fraudulent put in my name through a family member without my authorization.. I want to know how I was able to get a car loan making only XXXX XXXX a week! This account is fraudulent and need to be remove from my account Im attaching XXXX XXXX XXXX XXXX for my hours I worked at 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 2020-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: RI

Complaint narrative:
I found an instagram seller with thousands of followers which led me to believe he we legit. After days of talking with the seller, I bought 3 pair of shoes and a XXXX XXXX console. I sent the money in two transaction as he requested. One for {$400.00} on XX/XX/2020, and one for {$1000.00} on XX/XX/2020 using XXXX. After I sent the money, he just didn't respond to me after I sent the money for weeks even to this day. I filed a dispute on my bank but it was denied since I used XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
In XX/XX/2020, the property located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX was under contract and set to close at the end of the month. With that being said the payoff had been sent and was awaiting the closing instructions from the attorney and lenders. The intended buyer was laid off due to COVID issues at her job. When this occurred it was XX/XX/XXXX. As soon as I, ( the owner ) was notified the sale would not go through I paid the mortgage for the month. Amerihome reported the payment as late. I have NEVER had a late payment or missed any payments with any company. The home went back on the market and closed in XXXX. However, this late payment ( derogatory payment ) went on my credit report and has affected my credit score. 

Please assist me with removing this erroneous error. 

The loan number is XXXX

Company response to consumer: Closed with explanation