vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There were unauthorized inquires on my Credit Report Capital One requested my credit report on - XX/XX/2019 - XX/XX/2019 XXXX requested my credit report on - XX/XX/2019 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I was informed that my credit limit on my Chase XXXX visa had been decreased by {$1400.00}. The letter was dated XX/XX/XXXX. 12 days after Id made a payment in the amount of {$860.00} on XX/XX/XXXX. In addition to a {$62.00} payment on XX/XX/XXXX. Followed by another payment of {$500.00} percent n XX/XX/XXXX. Chases reason for decreasing is based on a credit pull from XX/XX/XXXX and as they described delinquency on my credit report. Meanwhile I havent had any recent delinquency on my accounts as they are all on autopay. I also havent missed a payment on this account since XX/XX/XXXX. Due my having the wrong bank account linked. But I have since made every payment on time since then. I find it very disturbing that this change would take place after I made good faith payment to significantly bring my credit utilization down. Where it was once close to 80 % I managed to bring it to around 35 %. Now with the decrease my usage is up to a high of 78 %. Not to mention at the time of the later my score had gone back to XXXX. While the credit score is explained to have also played apart in their decision, I was told the score had nothing to do with it. Ive even received credit limit increases from other creditors which is why Im so confused as to why this happened soon after making those payments. Chase explained that they could request a review of my account for an increase. But that would too affect my credit score. Which is something XXXX dont want to do at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have been in Contact with this company now for. Hear. Trying to remove this negative credit reporting on my account. Ive ow Disputed this charge Through XXXX. The information is false on their behalf and this issue was previously resolved. Im now being harassed and have notified the XXXX. Theyre refusal to stop calling to collect a payment that was resolved 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
To Whom it may concern, This is my third complaint. I am writing about the response from Loancare to complaint # XXXX. First, My forbearance is for 6 months, not 2. Second I applied for forbearance on XX/XX/XXXX, and their site which specified that it would only take 3 days to review and get back to me with a decision - so I should not have pay in XXXX. Third, even if I could, their site does not let me and throws me right into the forbearance schedule. I am tired of this indirect harassment, especially during these times of crisis. Please have loancare stop it's predatory lending practices against minorities. Please read what the loancare representative responded to me and address as soon as possible. I do not want my credit to be affected. I have added evidence support to aforementioned statements. Read below : Please use this ticket number in any correspondence with us. 
Subject : Loss Mitigation Dear Valued Customer, Thank you for contacting us. 

We have received your recent inquiry regarding your mortgage account. Our records indicate that you are currently due for your XX/XX/XXXX monthly payment. Your forbearance began as of XX/XX/XXXX to XX/XX/XXXX. If you have any further questions or concerns please contact our Customer Service Department, Monday through Friday from XXXX XXXX. to XXXX XXXX. and Saturday from XXXX XXXX  to XXXX XXXX Eastern Standard Time at XXXX. 

Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account.

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 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Bank of America cut off access to my checking account without warning, and the bank refuses to provide any clear details on why my finances were seized by the bank. The finances in my checking account were essential funds, used for survival needs such as food, shelter, utilities, and transportation. Bank of America froze my funds in the middle of a global economic emergency, and I currently have no income. Bank of America has directly threatened my ability to physically survive by cutting me off from my finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05 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: CBC Companies, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX SS XXXX XXXX I am trying to get my address and personal information all correct and together. I was in contact with XXXX XXXX and I was told that I had to send in proof of address my information is being confused with another XXXX XXXX XXXX and I have never lived at these address listed below. I do not wish to file a police report unless I have to. Please delete these following addresses the are no a previous address or current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX SS XXXX XXXX I am trying to get my address and personal information all correct and together. I was in contact with XXXX XXXX and I was told that I had to send in proof of address my information is being confused with another XXXX XXXX XXXX and I have never lived at these address listed below. I do not wish to file a police report unless I have to. Please delete these following addresses the are no a previous address or current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: MS

Complaint narrative:
I received a letter talking about a security freeze. I am not familiar with this credit bureau and did not authorize them to look into my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am writing to complain of the process of Chase Visa that resulted in me being assessed a negative mark on my credit report. I have formerly relied on the Chase Visa smartphone app to alert me for my card payment dates. This failed, resulting in a 30 day lateness which was reported to the credit scoring agencies.I believe this app to be flawed, as I consistently updated the app. This resulted in a substantial drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: CT

Complaint narrative:
I filed a police report on XX/XX/2019, my information was compromised in one of the various data breaches in our country. I have hired a law firm and given proper notice to the credit bureaus, however the credit bureaus have taken no remedial action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
UNFAIR CREDIT REPORTING CLEARLY, XXXX   SIDES UNFAIRLY WITH BANK AGAINST CONSUMER. ( Conflict of Intrests. ) See attatched XXXX REPORT XXXX for XX/XX/2020. XXXX I DID NOT OPEN THIS ACCOUNT. THAT FACT SHOULD BE ENOUGH. I requested copies of XXXX License and written signature to open this account ** TO NO AVAIL. I provided ID THEFT case XXXX Report. XXXX DENIED A FIX REQUESTING PERMISSION FROM FURNISHER OF INFORMATION. UNFAIRLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I began working with a Loan originator to refinance my mortgage. Interest rates dropped and shopping for lower rate. I submitted items that were requested and on XX/XX/2020 I received an email confirming my loan was eligible. XX/XX/2020 my loan was submitted to Processing. My appraisal was completed on XX/XX/2020 everything was going smoothly. I did not hear back so I emailed my processor at Owning on XX/XX/2020 to follow up. The processor wrote she was having issues with the loan, saying the debt to income exceed allowable guideline. I did not hear back for two days and followed up XX/XX/2020, the processor replied stating " we're working on the month end funding for XXXX ''. I never heard back, I followed up again XX/XX/2020. I asked " is this loan rejected and to please escalate the loan to management because this was going on 2 months. The processor replied stating underwriting is asking for a detailed letter of explanation why my income and assets show my previous address in order to continue. On XX/XX/2020 I received a Closing disclosure because rates were better now. On XX/XX/2020 the Loan originator emailed me again to resign the Closing disclosure and to date it XX/XX/2020. Loan originator also said what time is best for notary to meet tomorrow XX/XX/2020 ( its the last day to sign ). I explained I was not available to sign until this week XX/XX/XXXX. On XX/XX/2020 I asked the processing manager to reassign my loan because I felt this was not closing fast enough. The manager again said he needed the items that I had already sent it. I had to also send in my Solar lease agreement. On XX/XX/2020 the manager said my LOE was not sufficient and could not proceed without me changing address on my bank accounts. Rates have gone down and back up and feel the company owes me. Everyday the rates move I lose out on money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
AMSHERCOLLECTIONSERVICES Is on my credit report for XXXX account that is not mine. Ive told them and they keep it on there. Please help me get this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
My wife 's employer is receiving verification of employment requests from a mortgage lender that we have no relationship with. We are not seeking a new mortgage, no refinance of an existing mortgage, no financial changes at all. The group, identified as Better Mortgage - better.com, has sent multiple requests, each becoming more insistent. I phoned today ( XX/XX/2020 ) and left a message at the phone number listed but have received no return call. We have copies of the emails that were sent to our employer. 

The emails started around XX/XX/2020. The representative lists their name as : [ XXXX XXXX ] | Income Services Team | Better Mortgage | XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX | Phone XXXX |XXXX | XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: CA

Complaint narrative:
I XXXX XXXX I found accounts not belongs to me I have a big problem because the person open that accounts has all my information and open fraudulent accounts under my name this is a fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: CA

Complaint narrative:
I XXXX XXXX I found accounts not belongs to me I have a big problem because the person open that accounts has all my information and open fraudulent accounts under my name this is a fraudulent accounts.

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 2020-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TN

Complaint narrative:
AFNI Is on my credit report for XXXX I dont owe XXXX any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
On XX/XX/2020 I contacted Bridgecrest finance company to inquire about a payment deferment on my auto loan due to my employer reducing my salary amount in response to covid-19. My monthly payment amount is typically {$520.00}. I spoke with a man who stated Bridgecrest did not offer payment deferment but said they could offer to split the payment for the month of XXXX over a 5-month period, with the first payment of {$630.00} to be made on XX/XX/2020. The man I spoke to said that due to covid-19 and the reduction in my salary that missing the payment for the month of XXXX would NOT be reported to my credit, and the payment would not be considered delinquent. I then received an email from Bridgecrest stating that my payment was in fact being reported as delinquent if I did not make the payment for the month of XXXX immediately. I contacted Bridgecrest again as I believed the email I received was in error due to the agreement made over the phone on XXXX. After speaking to several people and having issues with getting them to return my calls, I finally spoke to a manager who told me that they would only dispute the negative report to my credit ( which had already been made ) if I made the payment for the month of XXXX immediately. They told me that after reviewing the recorded call, they would not be able to honor the agreement we had made over the phone even though they had heard what the man told me as their company does not have a policy for deferment. I have attached a screenshot of the text message I received showing the increase in my monthly payment, due to the deferred payment for the month of 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 2020-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a Bank of America merchant services customer. I use Bank of America merchant services to handle all of my credit card processing. I was told and contracted that funds would be deposited into my business checking account within 1 business day of payment. I was contacted by BOA to explain and provide invoices for 4 transactions on XX/XX/XXXX, I provided that information on XX/XX/XXXX. I have had my credit card payments from customers held since XX/XX/XXXX, the amount is approaching {$30000.00} and I have not received any of it as I was suppose to. I have followed up every day by phone or email for the last 8 days with no response or resolution. All of my customers have picked up orders paid for or had them shipped. I am out the funds and the items. Bank of America has not explained what is going on and nobody in risk department will answer the phone or respond to phone calls. This has caused substantial harm and uncertainty to my business.

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 2020-06-05 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: TX

Complaint narrative:
The account below is not mines. Not sure where it came from or why it is on my report. I disputed this within 30 days of it being on my report. 

Also by law the company has to send me legal notifaction of this debt and give me the right to dispute and they have not. 



1. XXXX XXXX XXXX Last reported XX/XX/2020 {$1500.00} Reported balance

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 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I noticed a few days ago that my Synchrony Bank account has been suddenly closed without any notice. I've had this account for at least 10 years and it has always been in good standing. As a matter of fact, the balance is paid off at the time of closure so I thought I had no reason to be concerned about it. After the fact, I received a letter from the cardholder stating that the decision was based " on a scoring credit system used to predict my creditworthiness '' and that I didn't score well on at least 4 points. Since I was considered credit-worthy for 10 years that I had this account, it's very clear to me that the real reason for this closure of the account was the fact that I lost my employment due to COVID 10 crisis ( I currently receive XXXX XXXX ) - and that made my credit score go down. I have no other way to describe this closure as the case of discrimination on the basis of loss of employment. In addition, this act violates the COVID 19 Federal Consumer Protection Policy. What makes this even more appalling is that the cardholder 's websites display a message saying they're willing to work with the customers affected by COVID 19 and do their best to help, etc. Such hypocrisy!

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 2020-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
The load is suppose to be cancelled, but now they claim there is still a balance. When ask on how they made their calculation, they refuse to provide any information.

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