vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello My Name is XXXX XXXX and I own a Chase Sapphire XXXX XXXX  Card. I received a correspondence from Chase Bank on XXXX XXXX and was requested to submit the following 2 documents by XXXX XXXX to avoid closure of the account. I went to the local branch immediately and filled out Social Security Form ( XXXX ) and XXXX. The chase branch faxed all the necessary documentation to XXXX. A week later I called the chase credit services numbers and I was informed they have not received my documentation and was asked to go back to the branch and re-fax the information using secure line which I did. I called the Chase customer service 3 days later and I was informed my documentation was still not received and everyone was quiet puzzled as to what to do next. I have been faxing this documentation to the same fax number almost every week and here is the latest evidence. I called the chase customer services today and I was told that since my documentation was not received ON TIME they have decided to close my account and it cant be re-opened. I would say this behavior is unacceptable by the bank and I feel that the customer was cheated due to no fault of my own. I didnt default on my payment nor do I have any red flags on my account but unilaterally the bank decided to handle matters on their own without due process. I believe this is a scam and maybe other customers are going through the same thing but decided to stay out of the process. Please help me in restoring my Sapphire XXXX Card account immediately. Thanks Real-time Fax Status Real-time  Fax Status : Successfully Sent Fax Info Date : XX/XX/2022 XXXXXXXX XXXX XXXX Receiver Name : JP Morgan Chase Receiver Company : JP Morgan Chase Receiver Fax XXXX XXXX XXXX Subject : Chase Sapphire XXXX Card Page Count : 3 ( including cover page ) Dear XXXX XXXX, Your fax to JP Morgan Chase XXXX at XXXX has been sent successfully! 
Successful delivery of your fax was confirmed at XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022 Your fax inclu

ded 1 p age of coversheet with your text and 2 pages of attached documents. Be sure to follow up with the recipient to make sure that the fax is legible and is delivered to the right person in the office. To view or print the status of your fax, click here. Y
ou can also send XXXX a " tip '' to support this handy service.

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: SC

Complaint narrative:
They have posted a old medical debt to my credit report. They are using a method of showing an open date of 4 months ago when this debt is over 6 years old. This should reflect on my credit report either within within charge off date or a date of service of service. They they are in violation of the fair credit reporting act and was advised of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: OH

Complaint narrative:
This is my response to my complaint to TransUnion dated XX/XX/22 through the CFPB portal. TransUnion responded took longer than the 39 days 9 days over the 30 days thats required by the FCRA. My first complaint to TransUnion was XX/XX/22 I made it known that the Acc. From the XXXX XXXX XXXX Acc. # XXXX belonged to someone with the name similar to my own and it did not belong to me and I was not aware of this account until I received my credit profile. Due to this derogatory mark on my credit profile I'm being denied credit lines and better interest rates for my personal credit and business 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 non-monetary relief
Consumer complaint received 2022-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NM

Complaint narrative:
On XX/XX/2022 I received a letter from Jefferson Capital Systems LLC stating they have a debt they are trying to collect on. I sent them a letter on XX/XX/2022 asking for supporting documentation/verification of this debt. They did not respond. ( the account was not on my credit report ) On XX/XX/2022 I received a letter from XXXX stating they are trying to collect a debt. I sent them a letter via on XX/XX/2022 asking for supporting documentation/verification of the debt. 

On XX/XX/2022 I received a letter from XXXX stating the account with Jefferson Capital Systems LLC has been closed and " returned to their client ''. 

on XX/XX/2022 I also received a letter from Jefferson Capital Systems LLC stating they received my dispute and have been unable to resolve my request because they need additional information. 

On XX/XX/2022 a collection account from Jefferson Capital was put onto my credit report. 

I have not received any documentation regarding this account. I dont believe this account can be put onto my credit report without providing me proper documentation validating this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act : The XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : Dept of Ed/XXXX  # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXm XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These unknow inquires listed below are fraud and should be removed within 24-48 hours due to violation of code laws and rights. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2022-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens bank Account Number : XXXX savings account A {$300.00} bonus was expected. 

Due to misleading language the bonus was not paid even after depositing a total of {$15000.00} into the savings account. 

I have tried to work with the bank but they would not pay the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
They will not remove my escrow account, and they are overcharging me. I keep trying to get them to remove my tax payments and insurance payments so i can pay them myself, and to stop charging me PMI because the LTV is 67 %. 

I submitted several requests for them to remove escrow and PMI. They take two weeks to reply to each inquiry, and deny each for different spurious reasons. 

The county appraised the property for tax purposes in 2020, and the house appraised for an amount that reduced my LTV below 70 % ... and yet they are trying to make me pay for an appraisal plus some other fee. 

I am paying my own insurance, and have been for over a year. They somehow did an escrow analysis and found a shortage, because they were falsely charging me for some fake second insurance policy. I want that money back, but they will not reanalyze my escrow. 

It is hopeless dealing with this company. It is hard to get through their menu to a person, and then they pass you off to several different departments. Then they tell you to submit something in writing, and then they wait two weeks to respond. They are rude and short on the phone, and trained to never help you but avoid.

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 2022-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and I.d . as it contains my full complaint and requests. 

This company bought my medical information with out my consent which is against HIPPA Law. My Consumer Rights has been violated!

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 2022-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan servicer merged with Mr. Cooper ( aka Rightpath ), which is really the same company, and refuse to post the funds to my account, refuse to investigate my account in a timely manner, and are illegally trying to foreclose on my property. This is called stealing. Rightpath has already sent me notices of collection, potential foreclosure and threatening to post negative information to my credit reports. This bait and switch is clearly an illegal scam where these mortgage companies work together to foreclose on property at great profit to them and great loss to the people who actually live in this country. This is the forth or fifth complaint I have filed and CFPB continues to do absolutely nothing of any effect. Which is frightful because they seem to be the only governing body associated with this type of " business ''. Mr Cooper / Righpath needs to be closely examined as they are breaking numerous laws set in place to protect the public from this type of aggressive business practices. CPFB needs to handle these extremely stressful concerns as this issue has been ongoing since 2019 with my previous mortgage servicer without resolve. I have once again provided proof that my payment was received by XXXX / Rightpath and proof they they are currently trying to foreclose on my home regardless of this payment. This is illegal and needs to be stopped. According to their own letters I have 60 days before any negative action is taken but Rightpath constantly contradicts itself in an attempt to cause damage to it's customers which are the citizens of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: GA

Complaint narrative:
I sent a dispute letter to XXXX and Equifax on XX/XX/2022, respectfully requesting to be provided proof of alleged debt accounts reporting falsely on my credit report, specifically requesting the contracts, notes or other instrument bearing my signature of accounts submitted and no proof was submitted to me. The results came back as " Updated or Verified '' only with no proof so I am filing a complaint for their failure to comply with my request under federal law FCRA 609/611 provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Received a call from Rocket Mortgage representative on XX/XX/XXXX asking if I would like to apply my partial payment of XXXX towards my XXXX bill. I asked him what my bill was and he stated XXXX. At this time, I was happy with the process that had taken place with XXXX and Rocket Mortgage working together helping people in need due to Covid-19. However, this is where my complaint begins. I called XXXX and asked them how much they sent to Rocket Mortgage. They stated to me {$5900.00}. I had to call them because there was no break down toward how much was being paid out. One part of my Complaint is I would like to see the breakdown of what Rocket Morgage asked to be paid from XXXX. Reason for this is while looking over my XXXX statement on page XXXX I had seen between XX/XX/2022 to XX/XX/2022 I had occurred Foreclosure expenses of Title search ( {$220.00} ) and Appraisal Cost ( {$620.00} ). Which Should not even be in there because XXXX sent them paperwork XX/XX/2022, stating I was working with them, and I was approved for their services. However, Rocket Mortgage started the foreclosure process any ways. I talked to a representative who confirmed they did in fact received XXXX paper. I did a complaint with CFPB number XXXX. Rocket Mortgage did respond back and stopped the Foreclosure. But here is where complaint number XXXX begins. XX/XX/2022, Rocket Mortgage sent all my delinquent amount to XXXX. The XXXX guy set up an appointment to come to my house on XX/XX/XXXX, so not sure why the cost why sent out after. Even with this being all said with my application coming to you approved before Rocket Mortgage stated the Foreclosure there should not be any fees I have to pay, due to Rocket Mortgage should have never started the process. Which they did stop. when I received my XXXX Statement and did the math of what XXXX stated they paid ( {$5900.00} ) to what the automated message stated I have paid to date, ( {$5700.00} ) there was {$220.00} missing, which to me looked like the Title Search amount. But why am I still being charged the full {$850.00} for the Foreclosure fees. I read in the XXXX billing statement page XXXX " If you do not pay this amount, you may incur additional costs and face foreclosure. '' How can you bill me foreclosure fees with that as a statement in your billing statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted the attached letter on XX/XX/2022 to Experian. Additionally, I submitted evidence that the account in question is closed and no longer active. 

However, Experian continues to report as an open account and it is negatively affecting my credit. They have not responded. 

They have not responded and have not removed this from my credit report. 

Please assist me in having this account removed from my credit report. 

Thank you!

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