vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 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: TX

Complaint narrative:
On XX/XX/2020 I sent out letters to Equifax regarding inaccurate and unknown inquiries on my credit report to this day over 60 days later I have not received a response I feel like I'm being taken advantage of and being ignored section 611 ( a ) it's plainly stated a failure to investigate within 30 days gives reason for immediate removal. FCRA USC 1681 ( b ) a consumer reporting agencies can only report with the written instruction of the consumer. No consent by definition is identity theft I was also impacted by the Equifax breach I'm afraid my information my have gotten into the wrong hands if items are not removed I will have to seek litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have been in contact with my credit card regarding my situation and being home as I am not an essential worker and my state being in stay home stay safe order. They are only allowing consumers 90 days with payment assistance. We have been in covid stay home order since XX/XX/2020. My card has been charged fees and is over the credit limit and being reported to the credit bureaus as delinquent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-21 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Account closed with Chase via phone with account services XX/XX/XXXX. 

During the above call the balance was to be mailed and rcvd in 7 business days. 

Called account services to follow-up XX/XX/XXXX as I had yet to receive the check. 

Representative advised I needed to visit the branch as the check must have been lost. 

Visited the branch XX/XX/XXXX and XXXX XXXX called account support and they advised her the check had yet to be mailed. Branch manager engaged and advised there was no need for me to wait at the branch he would call and follow-up with me that afternoon ( XX/XX/XXXX ). 

I have yet to hear from anyone at the branch. 

Called account services XX/XX/XXXX. Rep indicated there are no notes on the account. Call was escalated and they advised they will need to cancel the check and re-issue and I will need to go back to the branch. It is a constant bounce back and forth when no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Previous Address XXXX XXXX XXXX XXXX XXXX TX XXXX -- to be removed --

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 2020-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have tried on numerous occasions to learn why Chase Mortgage charged me over {$500.00} and passed this fee on to the new mortgage servicer, XXXX XXXX. I have asked on numerous occasions for documents as to why they felt they could charge me this ridiculous fee without my permission. I have asked for documentation of something showing I authorized them to charge this fee. They have not provided this to me. Someone named, XXXX XXXX, sent me a letter dated XX/XX/2020 saying the Note or Security Instrument signed at closing gives them permission to protect their interest in the property if the account is past due. 

- First - the account has NEVER been past due - Secondly - I asked for this document they say I signed and to date they have not provided it to me. 

What's at stake right now is I have been paying extra on my mortgage every month, but the current servicer has applied this money to the fee that Chase Mortgage erroneously assessed to my account. Now my amortization schedule is off and I will end up paying more interest than I had planned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: VA

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.

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 2020-12-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
This debt collect agency did not sent proper notice of this debt to me before reporting to a credit bureau ( XXXX ). I was unware that I could dispute the debt and the fees added so I asked for a payment arrangement. Therefore, I had made a recent payment to this debt and asked for payment reminders from this debt collector via email. Upon not getting proper notice on when this debt would be reported to the credit bureau. This was reported without giving me a proper notice that regardless of any payments or payment plans with 45 days of a an initial notice, it will we reported to a credit bureau agency. They claim that a this letter or notice of their intent to report is incorrect information. They reported in a unfair and unreasonable way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
We have this case XXXX has been going on for over 3 months Summary of events. 
XXXX XXXX, my wife with different last name tried to pay our Bank of America credit card early, in early XXXX a check was generated and sent to the XXXX XXXX XXXX XXXX by Bank of America by someone in bill pay without our knowing or authorization. Even though, on our end and confirmed through bill pay that it was supposed to go to BofA CC. At which point the check was deposited in the wrong/unknown account at bank of P.R. We have spent hours on the phone and in person with Bank of America to get our money back ( {$6100.00} ) Apparently, XXXX XXXX XXXX XXXX is owned by XXXX XXXX so we had to filled out affidavit paperwork for XXXX XXXX for a fraud claim to try and get our money back. So for 3 months we have had BofA supposedly working on this and now we have sent affidavit paperwork sent into XXXX XXXX to try and get a resolution from their end. 
-This was Bank of America checking account bill pay to pay our Bank of America credit card XXXX 
-Our Bill Pay has a confirmation # that says it was supposed to go to Bank of America credit card payment. 
-BofA bank improperly and without your authorization sent those funds to some random account at the XXXX XXXX XXXX XXXX and we have not been able to get the funds returned. 
-Bank of America has said they are working on getting our money back. 
Although this has been going on since XX/XX/XXXX and they have given us no resolution as of yet. 
Bank of America, nor XXXX XXXX ; neither by phone call or message center about the problem with our {$6100.00} still missing from our checking. 
A few things I would like to point out. 
# 1 I do not understand how a claim on our behalf was not filed right away as soon as we reported that our funds were sent out, not to where we had intended on XX/XX/XXXX with the phone conversation with XXXX from Florida. 
# 2 As verified by XXXX XXXX phone at XXXX XXXX desk with XXXX, our payment to the credit card was set up properly. There was NO option of a different address and our payment history verifies exactly how we have paid this bill for years the same way. 
# 3 This is a lot of money and this is now the Holiday season and yet it seems that no one is actually trying to actively return our money.

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 2020-12-21 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: TN

Complaint narrative:
XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Unlimited VisaXXXX. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. None of these cards have ever been late yet due to under reporting on my Experian Credit report, my score is reported being XXXX which is a fair score. This reporting is preventing me from obtaining a mortgage.

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 2020-12-21 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Previous Address XXXX XXXX XXXX XXXX XXXX TX XXXX -- to be removed --

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
Hello, I was assessed a late payment fee of almost {$30.00}. I was sick with COVID in XXXX and in that midst, I thought I had submitted my monthly payment for the XXXX due date. I must not have because I got an email saying I'm late. I promptly paid the normal amount, in addition to the late fee on Saturday XX/XX/XXXX, to avoid any further problems. Today, Monday XX/XX/XXXX, I called Rocket Mortgage/Quicken Loans to see if they can reverse it. It's my first ever late fee and again it's because I was sick with COVID. They wouldn't reverse it because saying I had already paid it. This is unfair. I wanted to be a good customer and paid it up front with hopes they'd return it. Instead they want me to be a bad customer and not pay it and then ask for a reversal. How is this ethical? My loan number is XXXX. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: LEXISNEXIS
State: TX

Complaint narrative:
reporting wrong information please get them off my record see the attachment FCRA, FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX XXXX all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a credit card from Bank of America which I had closed about a year ago. However, the past three months, I received invoices form Bank of America charging me fees as follows : XX/XX/2020 {$79.00} XX/XX/2020 {$75.00} XX/XX/2020 {$79.00} But as I said I c losed my account about a year ago. 

the credi card account number is XXXX XXXX XXXX XXXX Cash RewardsWorld Master I think the Bank of America branch is XXXX XXXX XXXX XXXX, XXXX Fl XXXX. 
I filed a complaint with XXXX XXXX XXXX ( XXXX ) ref : XXXX This month I received a notice from Credit agency XXXX saying that Bank of America has rported me as delinquent.

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 2020-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I paid my auto loan in full {$10000.00} only only for the status to reflect charge off collection on my credit report. I have called multiple times and faxed over letters disputing the information only for it go no where and be denied. I had fell on hard times in XXXX that was the reason for the behind payments but XXXX I made a regular monthly payment in XXXX and then the full balance in XXXX. I spoke with XXXX from capital one last week only for her to tell me that the status is incorrect and she advised me to fax over another letter asking for the status to be updated which I have done again. I fell on hard times but I made. All.my wrongs right by paying what I owed and not doing a settlement. I am trying to get another vehicle and can not because of the status of this account. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX # XXXX I have no knowledge of this account ftc Print Review Summary

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a follow-up complaint to complaint # XXXX, which was improperly addressed by Chase bank. This is concerning Chase claim # XXXX. The claim was incorrectly denied by Chase on two different occasions, on XX/XX/2020 and XX/XX/2020, based on false information received by the airlines. I provided chase with documentation stating that the airlines canceled the ticket and allegedly issued a refund, but all employees at Chase, including this XXXX person who was handling the original complaint, refused to review any information, even after I left several voicemails asking for a callback. 

I sum, this is where I am standing : 1 ) Chase claims that the airlines has verified he transaction as correct, and referred me to the airline for a resolution 2 ) The airline claims that the ticket was cancelled and a refund issued, however, no refund has ever posted to my account and ; referred me to Chase for a resolution. 


At this point I am in limbo and dealing with two incompetent companies, all the while I am out of {$350.00} during very tough financial times. I have tried my best to resolve this issue with Chase amicably since XXXX when that reservation was cancelled but I have reached my limit. Should this claim not be processed correctly and that transaction reversed as it should be because the airline never issued the refund they were supposed to issue, I will bring legal action against Chase and Visa in the New York Superior court, and will also get the media involved. This is my mother 's money and she is XXXX and frail. I am attaching the last email from XXXX XXXX stating that the ticket was revoked, that refund should be expected, and that I should contact my bank for further resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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:
XXXX XXXX # XXXX I have no knowledge of this account ftc Print Review Summary

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 2020-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Mr. Cooper via Nationstar has engaged in a lengthy process in delaying the processing of my mortgage refinance. It is unclear whether this is due to negligence, incompetence, or malicious intent to perpetuate elevated interest rates. To my understanding they have thus far spent 9 months to complete a 30-45 day process. It is unclear whether they will complete the process. 

During this process they have lost documents, asked me to provide their own documents, lost track of insurance payments, misallocated insurance payments, asked me to refrain from making payments then beg me to make payments after misappropriating my escrow. 

I have spoken with XXXX XXXX, XXXX XXXX, and a man named " XXXX '' who called me on the phone to explain that there is nothing for Mr. Cooper to do because Mr. Cooper has done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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:
On XX/XX/2020 I filed a companion with CFPB regarding Experian and thier unwillingness to XXXX an investigate person my request via certified mail on XX/XX/2020 and provided me copies of the Actual documented proof they used to verify the accuracy of the negative items they are currently reporting. Instead they claim That the request did not come from me and refuse to open an investigation.

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