vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX ( card ending XXXX ) I reported the {$470.00} XXXX Charges UNAUTHORIZED. USAA DISMISSED MY FRAUD. see attatched statement of XX/XX/XXXX. There are NO CREDITS FROM USAA ONLY MERCHANT CREDITS TO COVER TWO RETURNED ITEMS. I DID NOT REPORT THE {$120.00} XXXX XXXX or XXXX {$210.00} as unauthorized in XX/XX/XXXX NO ADJUSTMENT CREDITS to begin an investigation. Proof these were not reported as fraud in XX/XX/XXXX but the ( {$470.00} card ending XXXX ) Remainder was Reported Fraud TO NO AVAIL. XXXX did not know what these charges were for. PROOF I REPORTED FRAUD XX/XX/XXXX see statement XX/XX/XXXX. ( A new card issued ending XXXX ) new card proof fraud reported but dismissed. USAA PUT CREDIT REVERSALS OF {$810.00} BACK ON CARD AS NEW PURCHASES XX/XX/XXXX & XX/XX/XXXX a year later. ** The entire purchases of XX/XX/XXXX totalling {$810.00} are on card for 2nd time XX/XX/XXXX. ** NO USAA CREDIT GIVEN AND {$810.00} TAKEN BACK. USAA LIES ABOUT LYING. USAA MAKES FALSE STATEMENTS THAT I REPORTED FRAUD ON ITEMS I KNEW I RECIEVED.. HELLO .... USAA, I REPORTED USAA REVERSALS APPEARING AS NEW PURCHASES. XX/XX/XXXX. I WAS CHARGED TWO TIMES I HAVE NEVER RECEIVED ANY NOT ANY PERMANET USAA CREDITS ALL ADJUSTMENT PURCHASE TEMPORARY CREDITS ** JUST DISAPPEAR. XX/XX/XXXX {$2.00}, XXXX Other credits never apply XX/XX/XXXX Total Credits Applied {$910.00} MERCHANT CREDITS ONLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Debts in the amount of {$750.00} appearing twice as collection. I called the credit bureaus on XX/XX/2019 to dispute these unknown collections. They advised me the debt was hospital bills. I explained that I had not been to the hospital, the debt did not belong to me and I officially filed a dispute. I also requested for the bureaus to send me verification regarding these collections, which was never received. During these phone calls I paid off one collection that was my debt and disputed Two other debts in the amounts of {$1800.00} and {$1400.00}. These debts dont belong to me and I would like them removed at once. All three bureaus are not reflecting accurate information, the hospital bills were removed for XXXX, but are still showing on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery has called my place of employment multiple times, in XX/XX/XXXXI kindly asked them to please stop calling my work because I am not allowed to take personal phone calls on work time. Of course, Portfolio has continued to call despite that request! My boss XXXX near fired me because they keep calling, it took me hours to explain that I did not ask them to call! I've never felt the need to complain until now, but this is ridiculous! Stop with the absurdities and enforce my rights!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07 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: NC

Complaint narrative:
Transunion continues to inaccurately display innacurate employment data on my credit report. The report states that my employer is XXXX which is wrong the correct employer is XXXX, I have repeatedly disputed this information only for Transunion to not investigate anything and reappear on my report. I also included a pay stub from my employer XXXX. I have also requested several time for Transunion to send me information on how they verified info and I would like copy of the proof or verification. They have never sent me that information or proof that I have requested. I have been a victim of credit fraud in past and it took me years to clean the pain from that.

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 2020-02-07 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: OH

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly late payments on the DPT ED/XXXX  ; US DEPT/XXXX  ; XXXX XXXX XXXX and XXXX XXXX XXXX ( I have attached a spreadsheet of the creditor name and account numbers for reference, as well as a copy of my credit report. ) These accounts do not belong to me. I contacted XXXX XXXX, formerly knows as XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I spoke to the administration office and they verified that there was another student with a similar name and that our social security numbers differed by only ( 2 ) digits. The administration office inadvertently attached her student loan accounts to my social security number. I was assured that this clerical error would be fixed. I was not aware there were any issues regarding any kind of student loans until I obtained a copy of my most recent credit report. I tried contacting the administration office again at the school only to discover that this campus has been permanently closed and there is no forwarding address or telephone number to reach any one to assist me. This false reporting of lates on multiple accounts that do not belong to me is seriously harming my credit score and these line items need to be removed. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XX/XX/2020 I applied for and submitted all required financial documents for a new {$100000.00} JP Morgan Chase Bank, N.A. HELOC to full pay an old JP Morgan Chase Bank, N.A. HELOC. 

In XX/XX/2020 I was denied the new {$100000.00} JP Morgan Chase Bank, N.A. HELOC solely on credit agency ( s ) information.

I discussed this matter with a JP Morgan Chase Bank, N.A. HELOC Originator and was told that J P Morgan Chase Bank, N.A. HELOC Department do not have and Appeal Process and that I can not discuss this matter with the JP Morgan Chase Bank, N.A. HELOC Loan Underwriter. I was told that the JP Morgan Chase Bank, N.A. HELOC Loan Underwriter will contact me within seven ( 7 ) days to discuss this matter further.

To date, the JP Morgan Chase Bank, N.A. HELOC Loan Underwriter has not called me to discuss this matter or requested any additional records or documents. 

The JP Morgan Chase Bank, Loan Underwriter made the denial decision based " SOLELY '' on my current debt to income ratio as currently reported by a credit agency.

The JP Morgan Chase Bank, N.A. HELOC Loan Underwriter did not consider my projected debt to income ratio based on the new JP Morgan Chase Bank HELOC full paying in old JP Morgan Chase Bank, N.A. HELOC and other unsecured debts.

As such, I am being penalized by being locked in an old JP Morgan Chase Bank, N.A. HELOC, JP Morgan Chase Bank will not reduce my monthly payment based on the remaining balance owed and I must pay a high monthly payment and I am paying higher than today 's rates interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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:
XXXX  ; XXXX  and Transunion  are reporting incorrectly late payments on the DPT ED/XXXX  ; US DEPT/XXXX  ; XXXX  XXXX XXXX and XXXX XXXX XXXX ( I have attached a spreadsheet of the creditor name and account numbers for reference, as well as a copy of my credit report. ) These accounts do not belong to me. I contacted XXXX XXXX, formerly knows as XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I spoke to the administration office and they verified that there was another student with a similar name and that our social security numbers differed by only ( 2 ) digits. The administration office inadvertently attached her student loan accounts to my social security number. I was assured that this clerical error would be fixed. I was not aware there were any issues regarding any kind of student loans until I obtained a copy of my most recent credit report. I tried contacting the administration office again at the school only to discover that this campus has been permanently closed and there is no forwarding address or telephone number to reach any one to assist me. This false reporting of lates on multiple accounts that do not belong to me is seriously harming my credit score and these line items need to be removed. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly late payments on the DPT ED/XXXX  ; US DEPT/XXXX  ; XXXX  XXXX XXXX and XXXX XXXX XXXX. ( I have attached a spreadsheet of the creditor name and account numbers for reference, as well as a copy of my credit report. ) These accounts do not belong to me. I contacted XXXX XXXX, formerly knows as XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I spoke to the administration office and they verified that there was another student with a similar name and that our social security numbers differed by only ( 2 ) digits. The administration office inadvertently attached her student loan accounts to my social security number. I was assured that this clerical error would be fixed. I was not aware there were any issues regarding any kind of student loans until I obtained a copy of my most recent credit report. I tried contacting the administration office again at the school only to discover that this campus has been permanently closed and there is no forwarding address or telephone number to reach any one to assist me. This false reporting of lates on multiple accounts that do not belong to me is seriously harming my credit score and these line items need to be removed. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Back in early XX/XX/XXXXI opened a CitiBank Savings/Checking account package. It came with a {$400.00} bonus if I deposited {$15000.00} into either account within 30 days of opening. I made the {$15000.00} deposit to the Savings account on XX/XX/2019. I then maintained that balance for over 60 days which was the next requirement. These were the only requirements that were advertised. But hidden in the fine print was that it may take up to 90 days to be assessed the bonus after the 60 day requirement period. And that after 90 total days if any account has a XXXX  balance then Citibank may close that account. Closing the account then voids the bonus because both accounts need to remain open even after the original 60 days until they finally credit you that bonus.

Bottom line is that this an incredibly dishonest way to do business. They tell you that it's fine to fund only one of the accounts with the entire required deposit. But it turns out that in the fine print if one of the accounts has a XXXX  balance after 90 days they'll just close that account and void your bonus that you're waiting on. In reality I completed all the required activities but they have it setup to trick customers to hold funds with them for a few months and then refuse to pay the bonus on a hidden technicality.

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 2020-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I have an FHA insured mortgage. The loan is currently being serviced by PennyMac. I have an impound account with the loan in which MIP is paid monthly along with principle, interest, taxes and insurance. I am trying to refinance that loan into a conventional mortgage with a local credit union. In the payoff demand statement dated XX/XX/2020 PennyMac is asking for a Pro Rata MIP of {$1000.00}. After I complained to them and my new prospective lender they responded to a new demand letter with a reduced amount for this item. I don't think that any " Pro Rata MIP '' is valid. If it were valid why did they reduce the amount when I complained? They also sent me a partial refund of my impound account without having paid the second installment of my property taxes. Aren't they obligated to pay these taxes when they are due if they are collecting money monthly for this purpose? I feel that this refund is a distraction in order to overcharge me on the loan payoff and possibly even keep the remaining balance that is in the impound account. My mortgage refinancing is being held hostage and I am appealing for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
COLLECTION PROFESSIONALS, INC has placed an account on my file for collection which is not mine, i have no knowledge of this Debt nor this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was targeted via mail for a Bank of America {$300.00} account opening along with an extra {$50.00} if I opened at a BoA branch if I made {$4000.00} in deposits within 90 days of account opening. On XX/XX/2019 I went into a BoA branch ( XXXX XXXX XXXX XXXX, XXXX, TX ) and opened an account with XXXX, who confirmed that my bonus promo number was applied to my account and I should be receiving the {$350.00} once I hit the qualified deposits requirements. By the end of XX/XX/2019, I had deposited {$4600.00} ( verified by BoA bank statements with all deposits coming from my employer ). At the time, I knew the bonus would not be posted to my account until 60 days. It is now mid-XXXX  and my {$350.00} has yet to be posted to my account. Ive tried contacting BoA but they have been unable to assist me.

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 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Debt appeared on my credit report and i have no knowledge of this company or Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I opened a checking account with Chase Bank because they sent me advertisements telling they would give a {$200.00} bonus if I opened a checking account and moved a direct deposit over for {$500.00} or more. I funded the account on XX/XX/XXXX and had my employer start depositing {$500.00} per pay check. The first payroll went in on XX/XX/XXXX. The original solicitation stated the bonus would not be paid until 10 business days after direct deposit. Today my 3rd direct deposit was funded and I still have not received the bonus. I called and talked to a representative and then a supervisor today asking when the bonus would be given. They said the coupon code was not properly applied and they would not honor the promotion. I did what was requested to open the account. I maintained the {$1500.00} minimum balance before and even after my direct deposit was sent over. I brought my direct deposit over. They should have to honor the solicitation then advertised, I literally clicked the link and opened the account. There technology issue should not absolve them from the incentive they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcy under my name. These accounts and bankruptcy 's are not mine. Please remove all these fraudulent accounts from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC
State: MS

Complaint narrative:
They contacted me after the company I borrowed was paid more than 4 times the amount owed I was contacted by Mid West Fidelity Services stating that I still owe money when a loan in the amount of {$900.00} was paid more than {$2500.00} in payments. The company advised me not to worry about the paper work and that I could pay it off and it was just a formality and that I would not owe the amount and to sign I signed and paid more than 4 times the amount received I was later contacted by Mid West fidelity Services stating that I owed an additional {$1100.00} plus after paying more than {$2500.00} on a XXXX loan. The company is over charging the consumer in bogus fees and needs to be investigated for illegal lending practices XXXX XXXX is charging illegal lending practices and needs to be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
Unknown company has placed an account on my credit report for collection

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello I'm filling this complaint of behalf of Equifax, I have tried couple of times now for 8 years to get my file fix. I keep calling oca to get my file fixed spend hours on the phone and keep getting told that ticket has been open and it has been up please wait 7-10 then told 3-5 days my file gets fixed for maybe few months and then i'm not able to pull my report nor am I able to get a lendor to pull my report saying error not able to pull, I waste so much time on the phone trying to get this matter fixed i'm so tired of sitting on the phone and get nothing fixed and have to agrue with people to get things fix I might get someone that's willing to help me and they get it fixed for maybe 3 days and then my the same issue again I advised Equifax i'm going reach out to seek legal actions. I also pay for a product not able to pull and I can't do a dispute on my file. I will upload the photos to show this matter if possible on next screen. I was told also I have different file and it's hindering me from getting credit from lendors or my rights to credit. I should have to do this for 8 years since I was XXXX  years of age. I haven't able to access credit because of this matter. Please help me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Freedom Mortgage has fully taken advantage of me charging additional {$10.00} dollars a month extra this whole time since the I had them for my loan provider. In my state of Missouri, Freedom Mortgage should not be charging consumers extra {$10.00} dollars more making mortgage payments. I spoke to them many times about this situation, and they mentioned we are not charging you these amounts, but unfortunately I call Freedom Mortgage on XX/XX/2020 she mentioned we are charging you {$10.00} more and showing in there system. Also I show them my insurance has been lower and my payments are still the same as last year. They are taking their time to make any changes of lowering my mortgage payment. They receive new escrow analysis last year and they still got me paying the same amount.

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