vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-12 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I disputed inquiries on my credit report with XXXX  to remove the unauthorized : JPMCB CARD also known as Chase Bank Then on XX/XX/XXXX I submitted a second dispute to remove the same inquiry. As of XX/XX/XXXX I received a response indicating after XXXX investigation they found the account to be accurate. 

However, the chase account found to be accurate was my chase mortgage account i had since XXXX NOT the unauthorized inquiry from chase on XXXX for a chase credit card. 

I specifically ask XXXX to investigate the JPMCB CARD. 
As a result of the completely wrong investigation XXXX  has removed 28 points from my credit score because of there error.

JPMCB HL is for Home Loan JPMCB CARD is credit CARD Therefore my credit profile has been impacted significantly with the inquiry remaining on my report. 

This left me compelled to write this complaint requesting my score to be adjusted and explain why your results of the wrong item on my report lowered my credit score? 

I am also still waiting for the removal of : JPMCB CARD INQUIRY TO BE REMOVED. 


Also there has been a Fraud alert placed on my report to show that there have been some unusual activity with all credit bureaus so why didnt Experian look in to the unauthorized inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Actually, XXXX has restricted my XXXX XXXX account since XX/XX/XXXX saying that there's some unusual activities without any reason. So, without any letter, any explanation they restricted my account. Now, in XX/XX/XXXX, I got XXXX Mastercard and bought a phone which gave me 3 % cashback, also I am using apple card everyday and get 2 % Cash Back. These all cash back goes to XXXX XXXX and I am not able to use it because of that restriction, so what to do now? I don't have any way to use it. I am pissed off and calling back and forth every time. I need solution for that. Please provide solution for that. They arrongantly says that's our terms and condition. Without reason They can't just restrict my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I made a payment to Ditech XXXX, 2019. 

When XX/XX/XXXX's payment was due, I couldn't make it online because it said I owed XXXX. I called and spoke to a Ditech representative who stated that they were doing computer upgrades and it will reflect soon. 

Same with XXXX. Same with XXXX I called in XXXX after emailing them NUMEROUS times and was told they had NO record of my XXXX payment. I immediately faxed the confirmation they EMAILED to me in XXXX and and a copy of my bank statement showing the payment coming out. 

I received notice in XXXX that they received my letter that I sent to them and it would take 30 days to complete the review. In XXXX I received another letter that it would take another 30 days. TODAY I received ANOTHER letter that it would take ANOTHER 30 days AND letter that foreclosure proceedings were started. 

It should NOT take 90 days to SEE that I made the payment and their system is XXXX  up! 

I am attaching to you the confirmation from DITECH that my payment was made AND showing it coming out of my bank account. 

THIS NEEDS TO BE THIS NEEDS TO BE CLEARED UP IMMEDIATELY!! I have NEVER MISSED a payment with Ditech since they had my loan with them!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
After doing several disputes with XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor Capital One. Both XXXX and XXXX failed to do an investigation before reporting false information. Capital One failed to respond several letters. The Reporting address on file is not and never was my address.XXXX XXXX XXXX XXXX XXXX Kentucky XXXX. Capital One Never has sent any documents bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
When I was contacted by this company I informed them that the credit card from XXXX XXXX is not mine and was opened in my name. they sent me a letter back regarding the validity of this account and was unable to provide me with anything. I contacted XXXX XXXX in regard to the account and they stated it was owned by the portfolio recovery associated. This collection account has appeared on my credit report and is erroneous and should be removed. I have request validation and have received nothing. Please remove this information from my credit report it is causing a hardship on my score.The company stated it would send me a detailed payment statement for this account but they could never produce that because I have never made a payment on this account as it was not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
when i closed my cred.card it was in unresolved dispute status. XXXX reported it as a charge off but never notified credit reporting co 's it's in dispute. therefore, it's a big negative on my credit report. i have iniated dispute with transunion and they do not add a personal statement as i requested.

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 2019-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Company was conspiring with FBI TO Close my account cause FBI has me on the XXXX watchlist and FBI does not want me to have any accounts so Citi bank was harassing me and being very unethical and discriminatory against me they illegally closed my secured credit card account, now they are refusing to refund my security deposit of {$140.00} and I want 2 weeks of interest at {$100.00} a day for them depriving me of my property ( funds ) thats a total of {$1500.00}

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 2019-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is insistently trying to collect {$760.00} from me for an alleged driving ticket issued in XXXX and unknown to me. Therefore, never notified. 

XXXX contacted me the first time approximately four months ago and claimed I owed money for a speeding ticket issued by a speeding camera in XXXX back in 2015. I have no knowledge of this ticket and I have asked XXXX by phone and by certified - return receipt dispute letter to provide me with a copy of the alleged citation and all other related documents - including all papers, photos, videos, correspondence, postmark with mailing date, certified mail notification signed by me or by a person authorized by me within 300 days from the date of the alleged violation, as required by the Italian laws, etc. 

As of today, I have not received any supporting documentation. However, yesterday, at almost XXXX XXXX, I have received another harassing call from a XXXX 's agent try to collect that amount of money again. 
They are obviously violating the ( FDCPA ) Fair Debt Collection Practices Act by not providing enough valid supporting documentation. Therefore, I would like not to receive anymore calls from XXXX. And, I'm requesting them to cease any further collection efforts, unless they're able to provide all the requested evidences and documentation. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: PA

Complaint narrative:
I have no knowledge of the following account XXXX XXXX XXXX. Please investigate to insure there is no fraudulent activity.

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 2019-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo policy to pre-date updates to mortgage process so they can list as borrow delinquent delay when posted. 
Wells Fargo policy to allow underwriters to issue updates to mortgage terms in the names of the originators without notifying the originators or the borrower. 
Wells Fargo policy to request new borrower information every few days to delay loan processing. 
Wells Fargo policy to use data provided with the original loan application to justify a " bait-and-switch '' loan on the day of closing. New loan terms doubled the down payment and increased the percentage over 2 % on the day of closing. 
XX/XX/2019 increased loan down payment by {$2200.00} because " loan to value '' changed. The only change was a concession from the seller of an additional {$2500.00} as a result of a home inspection. The reason was not conveyed to the borrower until XX/XX/XXXX, and then only because of numerous emails and calls from the borrower. 
XX/XX/2019 ( day of closing ) increased down payment by 100 % and added over 2 % to the interest rate. This information was only provided because of numerous telephone calls from the borrow requesting information on why Wells Fargo had NEVER contacted the closing agent. 
Wells Fargo policy to lie to borrower and to withhold communications. 
Wells Fargo policy to use internal investigations to establish new lies to try and justify previous lies and non-communication.

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 2019-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
In XXXX, my mortgage loan servicing changed to Loan Care, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. I canceled the ACH payment with the old company and sent a BillPay payment to the new servicer. Unfortunately, both payments were processed. When I called to get the extra payment reversed, I was told they had applied the extra payment as a principal curtailment. I have called numerous times and have been assured it would be fixed, but it has been almost six months now. I continue to get delinquent notices each month now because they keep showing me one month behind and I believe my credit has been negatively impacted too. I can not afford two {$1500.00} mortgage payments in one month on my tiny fixed income. I had to borrow money to get by. I am an XXXX year old military widow and I am trying to get my finances secure to move into a rest home because my XXXX are failing. I need the principal curtailment reversed, like I have been promised since XXXX. I will not be paying my XXXX payment with the expectation you will finally get it done.

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 2019-10-12 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: NJ

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Transunion for the removal of unauthorized inquiries and Transunion did not respond in the 30 days outlined in the law. 
I received a response on XX/XX/2019 complaint XXXX # XXXX I requested Transunion investigate the fraudulent inquiries on my account that cause me to place a fraud alert on my reports on all three credit bureaus for unusual activity. 

Inquiries I requested for removal in XX/XX/XXXX letter are : 1 ). XXXX  XXXX. 
2 ). XXXX XXXX XXXX XXXX 
3 ). XXXX XXXX XXXX Even after submitting a direct letter from XXXX   XXXX XXXX stating for the record that they believe the inquiry with fraudulent and will request it to be removed on all credit bureaus reports. 

XXXX  immediately removed XXXX XXXX XXXX after acknowledging the letter. 

Transunion has yet to acknowledge this direct notification and remain to allow this fraudulent inquiry to impact my credit profile.

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 2019-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I just made a payment in the amount of {$520.00} on XX/XX/19 - it is due XX/XX/XXXX ; the company site shows the payment as processing with a {$0.00} due at this time. I received an email just now from them indicating my payment is due soon and that the amount is {$1800.00}. 

Also, when I have received several emails about re-certifying my income-sensitive repayment which I have done also - through their site. I have serious health issues & am trying to start to make payments however this extremely upsetting & far more stressful than just deferring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: NJ

Complaint narrative:
I sent a certified letter to Equifax to remove a Inquiry I did not authorize ... 
On XX/XX/XXXX. 2019 Equifax did give a response that the inquiry was factual without providing any documentation to display I authorize this unknown inquiry from XXXX XXXX. 

I then contacted XXXX XXXX  as suggested from Equifax to contact the furnisher directly and spoke to a representative that could not provide details to how the inquiry was initiated, nor did the representative have any factually sound documentation with my signature to show I personally requested services of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect information on to the credit agencies. I asked for validation and received payment history that was confusing and doubling the amount owed on the account which is predatory for whom ever account it is. I told them this is not my account and they continue to report this incorrect information and has yet to provide me with what they are using to verify this account. I feel like this company is taking advantage of me and not responding to the complaint.

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 2019-10-12 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: Byrider Franchising, LLC
State: LA

Complaint narrative:
I have a car loan with CNAC in XXXX, LA and there were some legal issues with them and I was required to start making payments to XXXX XXXX XXXX  in XXXX XXXX, LA. I started making those payments to XXXX XXXX on XX/XX/XXXX and since then my credit CNAC has not been posting that my payments have been made. My credit report shows I am 30-59 days late currently and that is incorrect. This still stands are a dispute with XXXX. I have made all my payments in a timely manner. I have all payment receipts from XXXX XXXX XXXX  in email.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect information on to the credit agencies. I asked for validation and received payment history that was confusing and doubling the amount owed on the account which is predatory for whom ever account it is. I told them this is not my account and they continue to report this incorrect information and has yet to provide me with what they are using to verify this account. I feel like this company is taking advantage of me and not responding to the complaint.

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 2019-10-12 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: NC

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect information on to the credit agencies. I asked for validation and received payment history that was confusing and doubling the amount owed on the account which is predatory for whom ever account it is. I told them this is not my account and they continue to report this incorrect information and has yet to provide me with what they are using to verify this account. I feel like this company is taking advantage of me and not responding to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
I sent a certified letter to XXXX to remove a Inquiry I did not authorize ... 
On XX/XX/XXXX. 2019 XXXX did give a response that the inquiry was factual without providing any documentation to display I authorize this unknown inquiry from SunTrust Bank. 

I then contacted Suntrust Bank as suggested from XXXX  to contact the furnisher directly and spoke to a representative that could not provide details to how the inquiry was initiated, nor did the representative have any factually sound documentation with my signature to show I personally requested services of any kind.

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