vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I got divorced XX/XX/XXXX. I was awarded the house in the divorce and immediately started the process to assume the mortgage with our lender, Chase, to remove my ex-husband 's name fro the loan. After a lengthy process, this was finalized in XX/XX/XXXX. A few weeks ago, I received a letter in the mail from XXXX XXXX stating that they had purchased my loan from Chase but Chase would remain as the servicer of the loan. This letter from XXXX XXXX has both my name as well as my ex-husband 's name on it. Concerned, I called Chase Mortgage on XX/XX/XXXX and was told that according to their records, I am the only owner. However, we called XXXX XXXX and they verified that their record lists two owners on the loan ( both me and my ex-husband ). I went into a local Chase Mortgage branch office ( XXXX XXXX XXXX XXXX XXXX ) the next day and spoke with an associate named XXXX and a manager named XXXX. They called into their mortgage department and was told that the issue was that my ex-husband 's name was still listed on the deed. They weren't sure why this wasn't dealt with when I assumed the loan, but that in order to fix it, I would need to fax a letter to Chase Mortgage, asking the to remove his name from the deed and then contact XXXX XXXX to get this corrected on the loan. I did this same day at their branch location and was promised a call back on Monday from XXXX. I received no call back so I called again on Tuesday. I have made many calls to XXXX at the branch office as well as the Chase Mortgage Executive Office ( where I was told me case was being handled ). XXXX isn't returning my calls and each time I call the Chase Mortgage executive office, I am told that the case manager assigned to my case, named XXXX, is not available but they will put in a callback request. I never get a call back. I've been given a case number of XXXX. In the meantime, I have gone online to the website for the XXXX County Clerks Office and located the request to have my ex-husband 's name from the deed, filed on the day of my divorce, XX/XX/XXXX. And now I remember my lawyer walking me to the clerk 's window to file this document and pay the fee on that day. So Chase 's explanation of that being the source of the issue is completely false. The simple truth is that they screwed  up by sending old information to XXXX XXXX when selling my mortgage to them and now they refuse to return my calls or make this right. I'm very concerned that this will cause major issues should I ever decide to sell the house and if I was to pass away, the bank would see my ex-husband as the owner of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: IL

Complaint narrative:
I have contacted Experian & let them know that the account from XXXX XXXX does not belong to me. I have submitted a previous complaint against this company for reporting incorrect information on my credit report and they continue to report this information. I this is a fradugelent account & I have no idea who opened 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 non-monetary relief
Consumer complaint received 2019-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This account was deleted and its should not be on my credit report I am requesting that it be removed permanently wiped off my credit bureau report with XXXX XXXX and XXXX. I have proof that this account was deleted and now theres a duplicate that I would like deleted from all 3 major credit bureaus.

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 2019-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I returned merchandise that I had purchased a few days before to XXXX  department store in XX/XX/XXXXWith the original sales recipient. at that time the money was Immediately credited back to my account. An hour later it was removed from my account. 
I contacted Santander immediately, and several times in an attempt resolve the unauthorized debt from my account. Contacted Santander and XXXX  on a three-way conversation. Ive made many attempts to get my money back. 
this matter needs to be resolved. I did not authorize XXXX  to pull {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'M HAVING A PROBLEM WITH BANK OF AMERICA REGARDING MY CHECKING ACCOUNT, ROUTING NUMBER XXXX CHECKING ACCT XXXX ON THE AFTERNOON OF XXXX XXXX PRIOR TO CLOSE OF BUSINESS DAY, I DEPOSITED THE ATTACHED CHECK FROM MY OTHER BANK XXXX LOCATED .25 MILES AWAY FROM B OF A.THE MACHINE PUT A HOLD ON THE CHECK FOR 9 DAYS.THE CHECK PAID THAT NIGHT AROUND MIDNIGHT ( THE FUNDS LEFT MY XXXX ACCT. ) SATURDAY XX/XX/19 RIGHT NOW THE FUNDS ARE STILL ON HOLD, NOT SHOWING IN MY AVAILABLE BALANCE.THE ACCOUNT ONLINE HAS NOTED THAT THE FUNDS WILL BE AVAILABLE ON XX/XX/XXXX AT XXXX. 
I SPOKE TO BOFA BANK MGR AT MY BRANCH, I SPOKE TO BOFA CUST.SERV. IN SO CAROLINA, I SPOKE TO BOFA FRAUD DEPT ... ALL WITHOUT RESULTS.I WAS TOLD BY SO.CAROLINA C.S. THAT ONCE BANK OF AMERICA HAS THE FUNDS THE HOLD WILL BE RELEASED.I WASN'T BORN YESTERDAY AND I KNOW THAT THIS CHECK HAS ALREADY CLEARED THE FEDERAL RESERVE AND BANK OF AMERICA HAS THE FUNDS. 
I BELIEVE THAT BANK OF AMERICA IS IN VIOLATION OF BOTH THE SPIRIT AND LETTER OF THE LAW REGARDING DODD-FRANK AND CHECK CLEARING.

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 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
In XXXX of 2019 I purchased a phone from XXXX  on that same day they allowed someone to purchase a second phone in my name I called XXXX corporate office and the store where he phone was purchased they asked for a police report I gave them that I also contacted XXXX and sent them the police report still nothing. This action is preventing me from moving forward with my plans because its on my credit now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: VA

Complaint narrative:
First of all, this is my Social security benefit card in which Social security automatically for some reason signed me up. Ive used it for nearly 3 years with no problems. Its thru Direct Express. On XXXX XX/XX/2019, I contacted them at XXXX, and mentioned to them my card has been damaged, and needs to be replaced. This is the first and only time after nearly 3 years I needed ANY assistance from Direct Express. The woman I spoke to said in order to issue you a new card, we need to deactivate the old card in my wallet. I thought that seemed strange, however I told them that was ok to do. I paid an extra {$13.00} to have them expedite it to me by XXXX XX/XX/2019. I use this card to pay my mortgage, electric, telephone, groceries, and car insurance, so I needed it as soon as possible. They also said there would be a tracking number on my email. Well XXXX came and went and no card. I contacted them on XXXX, and they were rude and hung up on me. I looked up this bank on line, and first of all theres no physical address, they only have a 1 star rating, countless number of complaints.Well after 45 minutes of trying to contact them I finally spoke to someone who understood English. She rest assured me she would help me out. She told me she would reimburse the {$13.00}, and send me out another card on XXXX XX/XX/2019 Meanwhile Ive been watching my account online making sure funds are not coming up missing.It still shows that its all still there. 
Told me in would be in my hands by XXXX XX/XX/2019. Once again no card.They told me to wait because of XXXX of XXXX it could take a little longer. I contacted them again on XXXX XX/XX/2019, and the man who could not speak English told me the problem this time is I live in Virginia, and supposedly they addressed it as Vi, and not Va.Once again reassured me they would send out another card, expedite it to me for another {$13.00} and I would have it in my hands by XXXX XXXX XXXX. I realize Im 1 day early, however once again they told me I would be able to tract it on-line, and there is no tracking information available. PLEASE PLEASE HELP ME. Im a XXXX an on a fixed income and I need this money to live on. The amount is {$3500.00} not including the {$27.00} they charged for supposedly expediting the 2 cards. Remember there are supposedly 4 card involved. 1 in my wallet thats been deactivated, and 3 supposedly sent to me. 2 expedited, and 1 sent in regular mail. My name is XXXX XXXX XXXX XXXX. Phone # XXXX. Address is XXXX XXXX XXXX XXXX. XXXX, Virginia XXXX. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
National Credit Systems claims the original creditor XXXX XXXX XXXX apartments is their Plaintiff when in fact they purchased the dept and now own it in an attempt so not loss the chain of custody.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I filed BK Chapter XXXX and added Security Finance into Chapter XXXX. I received my discharged letter from the courts. Security Finance is still updating my report showing amount increasing as well as days late and now delinquent on my credit. I have submitted disputes but for some reason, they are continuing to update my credit with the incorrect information. Here 's my final letter to them and no response. 

Dear SECURITY FINANCE XXXX : Security Finance is showing an increased balance on Account Type/ Account for Loans on my credit report. This account was updated by XXXX and XXXX as discharged in UNITED STATES BANKRUPTCY COURT, Case No. : XXXX Chapter : XXXX. For some reason it was then changed back to an amount owed as $ XXXX/ 90 days late. 
Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? I am in the process of taking legal action as you are constantly updating my credit report and not adhering to the UNITED STATES BANKRUPTCY COURT decision.

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 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX sent a cell phone my address in a name similar to mine, but not mine. I did not order this phone. I took the phone to their corporate office in XXXX, Oregon. They would not accept. They insisted I file a police report. I tried to file report but police said I had no loss and couldnt file a report. XXXX was informed of this but would not take phone. Instead they hacked my credit report and listed {$1300.00} past due amount going to collections. I am not sure how they got my correct name, but it is different than the one on their account. They changed the name to match mine. I still have the unopened phone but can not get anyone at XXXX to fix this. They will not respond to my inquires. I did not order this phone. I have signed no contracts and never have done business with 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 2019-07-13 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: GA

Complaint narrative:
I filed BK Chapter 7 and added XXXX XXXX into Chapter 7. I received my discharged letter from the courts. XXXX XXXX is still updating my report showing amount increasing as well as days late and now delinquent on my credit. I have submitted disputes but for some reason, they are continuing to update my credit with the incorrect information. Here 's my final letter to them and no response. 

Dear XXXX XXXX XXXX : XXXX XXXX is showing an increased balance on Account Type/ Account for Loans on my credit report. This account was updated by Equifax and XXXX as discharged in UNITED STATES BANKRUPTCY COURT, Case No. : XXXX Chapter : 7. For some reason it was then changed back to an amount owed as $ XXXX 90 days late. 
Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? I am in the process of taking legal action as you are constantly updating my credit report and not adhering to the UNITED STATES BANKRUPTCY COURT decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed BK Chapter 7 and added XXXX XXXX into Chapter 7. I received my discharged letter from the courts. XXXX XXXX is still updating my report showing amount increasing as well as days late and now delinquent on my credit. I have submitted disputes but for some reason, they are continuing to update my credit with the incorrect information. Here 's my final letter to them and no response. 

Dear XXXX XXXX XXXX : XXXX XXXX is showing an increased balance on Account Type/ Account for Loans on my credit report. This account was updated by XXXX and XXXX as discharged in UNITED STATES BANKRUPTCY COURT, Case No. : XXXX Chapter : 7. For some reason it was then changed back to an amount owed as $ XXXX/ 90 days late. 
Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? I am in the process of taking legal action as you are constantly updating my credit report and not adhering to the UNITED STATES BANKRUPTCY COURT decision.

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 2019-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD bank credit Cash card credit limit was decreased on me unexpectedly. I have been having so many issues with TD Bank 's credit cards. I have been a loyal customer since TD Bank was XXXX XXXX. I have always paid my card on time also and have had decent credit. 

On XX/XX/XXXX TD Bank sent a letter to me stating that they are decreasing my credit limit by thousands of dollars. To make it worse, they Closed it the same day as the they sent the letter, not giving me any time to respond to it without them already lowering my limit! I didn't receive the letter until XX/XX/XXXX! 

This is not the first time TD decreased or messed with my credit limits. They cancelled a card a few months ago and I had to make a complaint with you guys. Then they admitted their fault and fixed it. Again, they are trying to hurt me. Instead of canceling the card this time, they think they can get away with lowering my limit unexpectedly, without notice or opportunity to respond. 

This is completely not fair and again I am requesting you investigate TD Bank Credit Card services. I want my credit limit back and not only back but increased since I have asked for increased limited before and or line of credit and was denied. Again I have NEVER been late with payments.. They make money off interest from me.. Makes no sense and is not fair and fraudulent in my mind as to what they do. I hope you can help me. Thank you for your time again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: Bliksum, LLC
State: AZ

Complaint narrative:
A couple of years ago, I took out a loan with www.loanme.com. The original amount was around {$10000.00}. There was an early dispute. That dispute was fully resolved more than 2 years ago. Therefore, a reference to a dispute on my credit report is simply wrong. But the Company is still reporting that the item is in dispute, which is doing me serious harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: CA

Complaint narrative:
MoneyLion Bank is operating a fraudulent rewards scheme where new customers are promised a promotion match on their initial direct deposit, but these matches do not take place and the bank is arbitrarily refusing to honor the terms of the promotion. 

The " pave the way '' promotion operated by MoneyLion ( https : //get.moneylion.com/XXXX ) promises a 17 % match on initial direct deposits - this match was not honored on my account even though promotion terms were met. The contact info on the www.moneylion.com website is also inaccurate, since the phone # disconnects upon transfer and the e-mail has since been replaced by a ticketing system that makes it near impossible to file a support request. 

I deposited {$3500.00} to my new MoneyLion account via direct deposit on XX/XX/2019. A second direct deposit of {$3500.00} was processed on XX/XX/2019. On top of that I went above and beyond the bonus requirements and even had a third direct deposit of {$3500.00} processed on XX/XX/2019 and kept my ALL funds in my account for over 100 days without withdrawing any money. I have met the offer terms and I should be awarded the 17 % bonus on the original direct deposit. 

I request that MoneyLion acknowledge the inaccuracy of their promotion terms, and provide appropriate remedy and credit my account {$590.00}, which is 17 % of of initial deposit of {$3500.00}. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-13 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: TX

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS WITH THE BUREAU AND THEY REFUSE TO REMOVE IT FORM MY FILE AND THEY REFUSE TO PROVIDE ME WITH DOCUMENTATION THAT THIS IS MY ACCOUNT. i HAVE BEEN BACK AND FORTH WITH LETTERS TO THE BUREAU AND TO THE COMPANY AND THEY REFUSE TO CORPORATE WITHIN THE LEGAL RIGHT UNDER THE FCRA LAWS. THEY HAVE TO PROVIDE ME WITH DOCUMENTATION WITH MY SIGNATURE ON IT AND THEY HAVEN'T SO I WANT IT DELETED OFF MY CREDIT PROFILE IMMEDIATELY. I HAVE DISPUTED WITH THESE ACCOUNTS XXXX XXXX XXXX {$850.00} AND XXXX XXXX XXXX XXXX {$800.00} WITH NO LUCK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: GA

Complaint narrative:
I was told by a representative named XXXX ( who is no longer employed with the company ) at McCarthy , Burgess & Wolff, that she would allow me to settle my debt with XXXX XXXX at {$360.00} ( original amount was {$430.00} ) and on XX/XX/2019 they transferred me over to a representative that would email me as soon as I made the payment with her billing team. I was transferred over to them to make a payment on XX/XX/2019 which was debted from my account on that day. Since XX/XX/2019, I called XXXX back and she called me back before she was fired from her position. On those ocassions, she kept promising me that she sent me an email that had the terms of this settlement agreement that would state this would be removed from my account and show debt was PAID IN FULL on the receipt. I never received any records of anything from this debt collection agency but was debted for the settlement amount on XX/XX/2019. On each contact with XXXX, she assured me there was nothing to worry about and I would receive her emails in a few hours, as it takes their system a while to send outgoing emails. I agreed Again, waiting all day for the email, no documentation was sent from this collection agency via email or postal mail about my payment and the agreement XXXX and I had on a recorded line SEVERaL times. I called again feeling deceived and spoke to a XXXX XXXX on XX/XX/2019, XXXX assured me SHE would, in fact, email me and I would receive an email in a few hours. Checked Spam as well as normal inbox and again, nothing. She also gave me the information about XXXX on a recorded line stating her job loss as well as that she did not actually email me according to the records. I have not received any documentation from this collection agency and demand that XXXX XXXX, as well as MB & W, remove this debt from my report as I have called numerous times and promised it would be removed and made whole after I paid it. I believe this is deceptive business practices and the debt is still appearing on my credit report as of today.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation