vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: CA

Complaint narrative:
I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment XXXX XXXX XXXX XXXX I NEVER HAD THIS 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 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received my state tax refund check in the mail on Monday XX/XX/2020. I immediately took it to the bank and deposited into my checking account at Chase Bank. I know checks take time to process so I didn't think anything of it and continued my day. The next day I go to buy food for my XXXX toddlers. My debit card is declined despite me knowing I have money on it ( money that's not from the check, but fromy XXXX XXXX ) So I look into it and find out that my entire account has been frozen. I have received no communications, letters, alerts, or any attempt of contact with Chase bank at this time. I reach out on social media to which I receive an automated response. Then I try to call about it and I sat on hold for 3 hours then got hung up. I called again and waited another 3 hours to get hung up on. Another 3 hours then told they are now closed. So the next morning on Wednesday XX/XX/2020 I receive an electronic letter from chase  stating I can not use my account and they are closing it because I didn't provide requested information. They never requested any information. So the second they opened, I called and waiting an hour to talk to someone. They told me the account would be fixed, the hold would be lifted, and I would have access to my funds as soon as my husband took two forms of identification to the local branch. So we did. And they said they couldn't do anything without calling. So 3 hours on hold and they answer talk to the representative, and hang up. Then they say there is nothing they can do I will have to wait three months to get my state of Colorado check back in the mail. I was lied to by someone because I was told if my husband brought identification it would be fixed and I'd access my funds. This was not the case and now we are unable to get through to any chase representative. I need this to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: Innovis
State: TX

Complaint narrative:
FTC VIOLATIONS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I started to refinance my house and my credit report was ran, there was a account on my credit report that I was not aware of that was showing delinquent. the account was for XXXX XXXX XXXX and was reporting to credit report by Credence resource management. I attempted to call XXXX XXXX XXXX on XX/XX/XXXX and they couldn't give me access to the account because I didn't have the PIN, I didn't have the PIN because I didn't open the account. at that point I attempted to call Credence Resource. I have never received any bill or any notification of debt or lack of payment. Credence shared with me the address they send information to which is not my address or even the state that I live in. the employee with credence resource stated there was nothing they could do and I had to file a police report. the amount is {$780.00}, they stated the account was opened in XX/XX/XXXX and submitted to credence resource in XXXX XXXX the account number credence gave me was XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit inquires reporting that I did not authorize

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 2020-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In XX/XX/XXXX added money to a fixed mortgage credit score dropped because of it! paymeants were XXXX was paying XXXX a month couldnt tell me were my money is that I over paid for year and a half to be ahead then in XX/XX/XXXX this year closed my account a 20 yr  mortgage with no warning Im in middle of a loan that is on hold cause of virus going and was alerted that my score dropped 40points again because of same people which u cant get a hold of them sent me a statement for next month but nothing on being sold again had to reach to find who took over and now they are missed up to cause they dont have life insurance that I have paid for for 20 yrs also with the last year they have done but cost me money and hurt me financially for there mistakes!! the amount of loan the loan being closed adding money to the loan reunion my credit and takin my money on life insurance

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 2020-04-01 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: MS

Complaint narrative:
In XX/XX/XXXX added money to a fixed mortgage credit score dropped because of it! paymeants were XXXX was paying XXXX a month couldnt tell me were my money is that I over paid for year and a half to be ahead then in XX/XX/XXXX this year closed my account a 20 yr mortgage with no warning Im in middle of a loan that is on hold cause of virus going and was alerted that my score dropped 40points again because of same people which u cant get a hold of them sent me a statement for next month but nothing on being sold again had to reach to find who took over and now they are missed up to cause they dont have life insurance that I have paid for for 20 yrs also with the last year they have done but cost me money and hurt me financially for there mistakes!! the amount of loan the loan being closed adding money to the loan reunion my credit and takin my money on life insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
FTC VIOLATIONS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2020-04-01 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: LEXISNEXIS
State: TX

Complaint narrative:
FTC VIOLATIONS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX I went to the atm in XXXX IL to make a deposit of {$1300.00}. Only {$240.00} of that deposit went through and I was spit out a receipt saying that an error has occurred and my atm deposit could not be processed. At a time like this I can not afford to be short of my deposit. I called in regarding the {$1100.00} deposit difference that I am missing, and was told they would issue a dispute that would take 10 days for a provisional credit.. TEN DAYS??? at a time like this? I have the receipt saying there was an error. Why would someone need to wait 10 days to access their money? Isn't there a way of looking at that particular atm 's transactions and see what went wrong? I really need that money ASAP especially with not being able to go into branches etc at this time.

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 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/2020 I deposited my check of {$320.00} with my cash tips for a total of {$560.00}. 

They told me they'd be withholding my check for over TWO WEEKS before the funds would become available which puts me out of being able to pay my rent for nearly no reason. This check was a payroll check and has no reason to be withheld except for the fact my account is less than 30 days old. 

On top of already making less money due to the pandemic now I am sitting around wondering how I'm going to pay my bills until the middle of the month when my pay check from LAST MONTH finally becomes available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Information on my credit report by Wells Fargo show that two ( 2 ) of my accounts are delinquent as of XX/XX/XXXX. These accounts are not delinquent and I continue to make payments on these accounts. The last payment was made in XX/XX/XXXX. 

Because these accounts show that I am delinquent, my credit to refinance a mortgage was denied and it continues to happen because of this.

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 2020-04-01 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: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
XX/XX/XXXX Credence Resource Management put an account into collections on my credit report. I dont recognize Credence as a company that I have a contractual relationship with. I wrote Credence Resource Management a letter asking for contractual proof that I owe them. Credence Resource Management responded with a letter stating they verified my account with the original creditor and said I owe the payment. I called Credence Resources Management and spoke with XXXX XXXX ( XXXX ) in reference to my claim. He informed me that the account was closed by the original collector in XX/XX/XXXX. I informed XXXX that the account is time barred and Id like him to remove account from my credit report. XXXX stated he couldnt remove account without permission from original debater. 
Had I not monitored my credit report I would not know that Credence Resources Management was out to collect a debt from me. Because they put this unconfirmed debt on my credit report, my score has decreased and it hurts my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had deposit my uncles check from work because he is not going out because the virus check was clear in my account now the account is frozen and I cant do nothin in my account. We contacted his boss and the check was clear in his bank and he send email with check crear on his end. I really need help Im also getting my irs refund anytime and bank told me they will hold that also and that they could hold it for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I called this company and email them about three to a month ago letting them know that I was impacted it by COVID 19 and my XXXX  was not generating revenue. They asked me to have a payment plan, which was not a choice because of no income. Now they are reporting me 30 days with the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Open balance XXXX XXXX XXXX   Original creditor XXXX  OpenedJun XXXX, XXXX ( 9 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$530.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX   Original creditor XXXX  OpenedXX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX Last reported XX/XX/XXXX {$470.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 8 mos ) XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX  Original creditor XXXX OpenedXX/XX/XXXX ( 6 mos ) You have missed a payment on this account. 
XXXX XXXX Last reported XX/XX/XXXX {$3500.00} Reported balance Highest balance {$3300.00} You've paid off -5 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$3300.00} Monthly payment {$32.00} Opened XX/XX/XXXX ( 2 yrs, 8 mos ) Term 120 months ( 10 years ) XXXX XXXX  Last reported XX/XX/XXXX {$650.00} Reported balance Credit limit {$550.00} You're using 120 % of your account 's limit OVERVIEW Credit limit {$550.00} Minimum monthly payment {$15.00} OpenedXX/XX/XXXX ( 1 yrs, 6 mos )

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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent in letters XX/XX/20 and called XX/XX/20 to have unauthorized inquires removed. I never received anything back and when i called XX/XX/20 i was told i could not dispute or have the inquires removed. I reiterated I did not authorize the inquires, they are inaccurate and i have several. Also i said i read online if anything is inaccurate on my credit report i can dispute or have it removed by calling the bureau, i was still denied.

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 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
Earlier this year, my property was incorrectly listed as being in two counties simultaneously. After waiting over a month for " research '', Freedom Mortgage concluded that this was indeed their fault. Also, during one of my MANY contacts with both your tax department and customer service dept, I was told that XXXX county ( the incorrect county on my escrow ) was erroneously sent a 6 month tax payment amount totaling near {$1500.00} on XX/XX/XXXX. 
In addition to this problem, my payments have fluctuated from {$1300.00} all last year, ballooning to {$1800.00} on XX/XX/XXXX, which I was FORCED to pay, even though Freedom made the error. Fast forward to my last payment, which was {$1400.00}. I called your customer service yesterday, and was told that it increased from {$1300.00} to {$1400.00} because my taxes and insurance increased by nearly {$100.00} eachthe math here DOES NOT add up. 
In addition, I was told by someone in the tax dept that XXXX county was refusing to return the {$1500.00}, and Freedom did not feel that using lawyers to recover that money was going to be in their best interest, so they are eating the {$1500.00} sent to the wrong county from my escrow. 
SO, where do we go from here? 
1. What is my ACTUAL NEW PAYMENT?! I need to know EXACTLY why I have increased from {$1300.00} to {$1400.00}. I understand small yearly changes, but given your companys lack of accountability and errors within this 2+ month ordeal, I need answers! 
2. Where is my overpayment that is sitting in my escrow? I was told by EACH employee in the tax depot that it will be returned to me immediately after this latest escrow analysis. What is the status? Where is this extra money that I was FORCED to pay due to your mistake? 


Calls were made to either the tax dept or general customer service line on the following dates and times XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been asking the 5/3 bank so many time to close the account # XXXX by writing to them and calling them. The reason is that I moved out of their service area from XXXX  to XXXX where no any 5/3 branches exist. However, the banker insisted that I have to come into the branch which is 1000 miles away. Then they ask me to write to them, so I sent them the letter a few weeks ago. Still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
This company continues to call me repeatedly, has never contacted me through mail or sent me a verification or statement of account, has provided me with conflicting amounts of what I owe compared to what the courts say, and upon calling me will verify it me by providing me with my date of birth and last four of my social and ask me if those are mine. That information is pertinent information, if that were to get into The wrong hands my identity both financial and vital could be compromised I called to speak with a manager and she tried to mislead me saying that no one could affect my credit or identity with that information which is incorrect, a person can access both financial and vital account or take on my identity

Company response to consumer: Closed with non-monetary relief