vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have 2 attorney trust accounts in JP Morgan Chase Bank. I received an alert of a pending transfer of money out of my account that I did not request. When I called I was informed that there was already one transfer and that the pending one could not be stopped. I was then told that there were transfers on another XXXX account as well. I made a claim for all the transfers. I was provided temporary credit on one account. I then received a letter stating that I authorized the transfer and the money would later be removed from my account. I called the bank several times and was left hold for hours with no response. When I finally had a chance to speak with someone, I was informed that there since I did not change my passwords or sign in from another device, Chase had to close may claim. When I asked for details about the transfer such as from where it was made and it they obtained a code to approve them, the representative stated that she did not have the details. They also do not have any information about the account into which the money was transferred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22 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: WI

Complaint narrative:
I disputed this information as inaccurate account status on 4 separate occasions directly with the XXXX and Equifax credit bureaus. Each time the investigation returned with account status unchanged based on reason that information is verified as accurate. 

Creditor Wisconsin Housing & Economic Development Authority FHA Mortgage {$110000.00} and Conventional Mortgage {$3500.00} The creditor and the credit bureau both incorrectly report these accounts as 1 ) closed and 2 ) discharged in bankruptcy and 3 ) delinquent payment history from XX/XX/XXXX to present. 

In XX/XX/XXXX I obtained an approved federal forebearance on my mortgage loans with WHEDA this forebearance is still in effect until at least XX/XX/XXXX. 

Please remove the inaccuracies from my credit files. The accounts are not closed accounts but are open in deferred payment status. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: WI

Complaint narrative:
I disputed this information as inaccurate account status on 4 separate occasions directly with the Experian and XXXX credit bureaus. Each time the investigation returned with account status unchanged based on reason that information is verified as accurate. 

Creditor Wisconsin Housing & Economic Development Authority FHA Mortgage {$110000.00} and Conventional Mortgage {$3500.00} The creditor and the credit bureau both incorrectly report these accounts as 1 ) closed and 2 ) discharged in bankruptcy and 3 ) delinquent payment history from XX/XX/XXXX to present. 

In XX/XX/XXXX I obtained an approved federal forebearance on my mortgage loans with WHEDA this forebearance is still in effect until at least XX/XX/XXXX. 

Please remove the inaccuracies from my credit files. The accounts are not closed accounts but are open in deferred payment status. 

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 non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I made a transfer with American Express serve of {$1700.00} to pay off XXXX  XXXX credit card they said they paid the bill XX/XX/XXXX no XX/XX/XXXX with transaction ID number XXXX XXXX XXXX I let them know XXXX  XXXX did not receive the payment and they said they would look into it XXXX came up they said they did not cash it and they would they were credit my account they never did anything two weeks later I call them up about it they said that XXXX XXXX received the payment I let them know that they did not receive the payment so they disputed it again and then next time in XXXX it came back and told me that stew that's been settled and that they would not refund my money because XXXX  XXXX that already cashed it I called him up two more times which they said they would send me paperwork on how they settled the dispute never got anything the next week call about a total six times I would only get so far with their system and then they would tell me they're going to call their manager phone will always hang up I've been trying for 3 months to get my {$1700.00} back and they will not talk to me again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
I temporarily relocated to a new area, but I rented my house to a tenant. I did not see a need for continuing services for a home alarm since the new tenant did not have any interest in having nor paying for it. I called the center ( XXXX ) and indicated so. I was forwarded documents to signed, and the gentleman I spoke to indicated he would send me additional documents to look at and sign them if decided to continue services at a lower premium; said documents were never received by me. I'm truly baffled to find out there is an existing debt or account when no one attempted to get in touch with me nor even visited my house in order to reconnect/connect the services said company claims I own them money for. In the meantime said company is hurting my credit for a meager amount, which I will not pay based on principle. Please advise what are my options, I'm willing to pay even more to an attorney, but not XXXX because its claim is both invalid and without substance. In conclusion, I believe this is a frivolous claim by MOUNTAIN RUN SOLUTIONS on behalf of XXXX, a ridiculous attempt to survive in this new era where alarm systems are being replace by other available means.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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 returned my leased car with XXXX on XX/XX/2021, before the actual end of lease date and with some equity on my miles. I went through the whole process as to wear and tear and it was determined that there was no outstanding balance due. When I returned the car, I asked if we were settled and he confirmed we were.Because of the pandemic at the time, I was living abroad. Upon my return on XXXX and while going through my correspondence I noticed a bill from XXXX for {$380.00} for " Turn in fee ''. Their correspondence from XX/XX/XXXX stated " Payment due within 10 Days '' and further states : " .... Once your account reaches delinquency ... a derogatory mark will be reported to credit bureaus. '' Payment was made on XX/XX/XXXX, before the 10 days term set out on their won letter. 

Notwithstanding, XXXX went ahead and set a derogatory mark on my Experian Credit report. Needless to say, my payments history with XXXX and all other creditors is outstanding. 

I have sent several letter explaining the situation and only get form letters back. I have several issues with this whole process : 1 ) When I turned in the leased car ( Before the lease term and with equity on milage ) the agent confirmed we were " settled ''.

2 ) XXXX only attempted to collect via USPS, no e mails, no calls, when they are not shy about sending electronic correspondence and calling about other things.

3 ) Why did they not deduct the amount owed ( {$380.00} ) from the account they had been deducting the lease payments?

4 ) As if none of the above are reasonable enough, why do they not follow their own process set out on the XX/XX/XXXX letter? 
5 ) Last but not least, why is there even a " Turn in fee ''? Further when there is equity on the milage and the car was turned in before the lease term. ( to be addressed with the FTC ). 

To add injury to pain, XXXX misreported to Experian, reporting only the amount of the total loan and not the actual outstanding amount {$350.00}. 

I respectfully request that my credit is not affected for the reasons set-forth hereon.

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 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
Prior to the collection agency purchasing my debt to XXXX XXXX XXXX paid my debt directly in 2017 and closed my account. I am still receiving communication. I have a balance of XXXX with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. experian 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 experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a XXXX 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 two 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 and remove the accounts 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 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I saw my credit report and saw some fraudulent activity on it ( inquiries ) on the 3 credit bureaus so I sent them my ftc report and nothing never happened.

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 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS RELIABLE LENDING LLC
State: WI

Complaint narrative:
I am attempting to refinance a rental property with a mortgage lender. I paid {$800.00} for the appraisal. I was advised that the numbers the appraiser came up with does not accurate. I was then told that someone from their company completed a collateral data analysis and the amount that they came up with would be more accurate of what the home is worth. The difference with the appraised amount and the analysis is {$28000.00}.

This looks a lot like redlining to me. They are not using the appraisal that I paid for. This lender hired this appraiser but refuse to accept what he/she has valued the property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Prior to the collection agency purchasing my debt to XXXX , I paid my debt directly in 2017 and closed my account. I am still receiving communication. I have a balance of XXXX 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 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
In XX/XX/XXXX PHH Mortgage acquired my mortgage from XXXX XXXX. At the time of the acquisition I was just finishing 6 months of forbearance, as allowed by the federal government due to Covid, and ready to resume making payments XX/XX/XXXX. At the time of the acquisition, my Principal balance was {$150000.00}. When I received the statement from PHH they said my Principal balance was now {$150000.00}, which was quite a surprise. They had split my mortgage into 2 separate balances, {$6400.00} added to the end of the loan as non interest bearing from the forbearance, and {$140000.00} for the regular principal. Through several back and forth phone calls with PHH no one was able to explain the Non-Cash Adjustment of {$2300.00} on XX/XX/XXXX. They kept telling me they'd have to send it to the research department and call me back in a week. They always called back in a week and still couldn't explain what it was. They would just say that it's a Non-Cash Adjustment, but couldn't tell me how they arrived at that figure, nor why it reduced my principal from {$150000.00} to {$140000.00}. They also couldn't explain why the 2nd Non-Cash Adjustment ( this one for {$6400.00}, also on XX/XX/XXXX ) INCREASED my principal. By my calculations, they're charging me {$4000.00} and can't explain why. I've been very patient with them, giving them every opportunity to provide a reasonable explanation, but no matter how I figure it, it doesn't make sense to me. I'm not unfamiliar with mortgage terms, as I worked in banking, finance, and mortgages for 12 years at 3 different banks. If you can assist me that would be wonderful. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I sent a dispute letter to Experian, on XX/XX/2021 asking for an independent investigation and asking to verify accounts with original contracts and original signature so that they please verify legal ownership of the following accounts : XXXX XXXX XXXX - Account # XXXX .... 
XXXXXXXX XXXX XXXX  - Account # XXXX ... 
XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX  - Account number # XXXX 

Unfortunately they replied today XX/XX/2021 with no Independent investigation results and they did not furnish any signed contracts or any original contract documents, it seems that sadly Experian merely was parroting Information received from other sources.

15 U.S.C. 1681 ( a ) ( 4 )

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 2021-10-22 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: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
My VA Mortgage loan was in active forbearance pursuant to CARES Act but was reported 120 plus days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed an inquiry on my credit report from XXXX. I do not recognize that company. I notified Equifax and XXXX about the unauthorized inquiry and was told do another dispute. I have disputed this matter before with no avail. 

This should not be furnished on my report as it is in Violation!! Under, 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These inquiry should not be furnished on my consumer report as they are in VIOLATION! Under,15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I disputed a charge of {$490.00} dated on XX/XX/2021 with Bank of America. I also disputed other charges associated with a hotel stay at XXXX XXXX XXXX  XXXX in XXXX  XXXX, VA due to unsanitary, unsafe, and discriminatory experience. While Bank of America resolved all other charges disputed in my favor, they refused to resolve the {$490.00}. They allegedly needed documentation submitted which I did, but they said they couldnt do anything. Meanwhile, when I spoke with them they seemed to agree that the conditions of the hotel stay were not great. I believe this is unfair. I tried resolving this matter with the Better Business Bureau reaching out directly to the hotel, but the hotel would not respond so the case was closed. I was hoping that Bank of America would help but they were only willing to remove the smaller charges and not the larger amount which is a bit suspicious to 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