vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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: MO

Complaint narrative:
Not sure if this was caused by me losing my wallet, or being a victim of the dark web and/ or the Equifax data breach, however my identity has been compromised and the following accounts are unauthorized and unknown to me. Therefore, I'm demanding that these accounts be removed and blocked immediately from my credit files. 

1 ) XXXX XXXX  {$210.00} 2 ) XXXX XXXX  {$570.00} 3 ) XXXX XXXX XXXX {$5100.00} 4 ) XXXX XXXX XXXX {$380.00} 5 ) XXXX XXXX XXXX {$50.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 ) XXXX XXXX XXXX  8 ) XXXX  XXXX XXXX  XXXX 9 )  XXXX XXXX XXXX  XXXX 10 ) XXXX XXXX XXXX  11 ) XXXX XXXX XXXX  12 ) XXXX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: MO

Complaint narrative:
Not sure if this was caused by me losing my wallet, or being a victim of the dark web and/ or the XXXX  data breach, however my identity has been compromised and the following accounts are unauthorized and unknown to me. Therefore, I'm demanding that these accounts be removed and blocked immediately from my credit files. 

1 ) XXXX XXXX {$210.00} 2 ) XXXX XXXXXXXX {$570.00} 3 ) XXXX XXXX XXXX {$5100.00} 4 ) XXXX XXXX  XXXX {$380.00} 5 ) XXXX XXXX  XXXX {$50.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 ) XXXX XXXX XXXX  8 ) XXXX  XXXX XXXX  XXXX 9 )  XXXX XXXX XXXX  XXXX 10 ) XXXX  XXXX XXXX  11 ) XXXX XXXX XXXX  12 ) XXXX/ XXXX 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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for a mortgage refinance with XXXX under a promotion that was on my American Express user dashboard upon logging in at American Express. It promised a {$2500.00} statement credit to my American Express card upon closing and funding a mortgage refinance with XXXX. I successfully closed my refinance with XXXX. Throughout the refinance process XXXX continuously sent me emails reminding me I was an Amex customer who was applying under the offer. At the end of the process, XXXX asked for my American Express card information and assured me my statement credit was on its way. After more than 12 weeks after mortgage funding, no statement credit has appeared despite reassurances from XXXX that the credit is on its way. Communication is poor and the companies are deflecting blame back and forth. I met all the terms for the promotion, as confirmed by XXXX. I want the {$2500.00} statement credit I was promised by both XXXX and American Express, posted to my American Express credit card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To XXXX  Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from XXXX  regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX/XXXX  XXXX never late XXXX   XXXX inaccurate/not mine XXXX  XXXX XXXX XXXX never late How is XXXX  able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Application # XXXX I was on the XXXX website on or about XX/XX/2020, and was about to purchase a new computer. During the checkout process, an offer was presented to me for a Barclays credit card to finance the purchase of my new computer with 18 months of no interest on a Barclays credit card. Knowing that my credit score is XXXX, and with a desire to utilize the deferred " no interest '' period, I applied. Shortly thereafter, I got an email that said to call a certain Barclays Security number. I called that Barclays phone number, and the rep informed me that my application was on " hold '' because additional information was needed. The Rep instructed me to send a copy of the front and back of my driver 's license, social security card and a copy of a utility bill. I immediately complied and sent the required items via " snail-mail ''. I am trying to find out if I have been approved or if there is additional information needed. I have called XXXX and have been on hold for 61 ( still on hold as I type this complaint ) minutes, which is ABSOLUTELY ridiculous. So, I am contacting you to ask -- what is the status of my application? Doesn't Barclays have to provide me with some sort of status? All I have received is a couple of generic form letters -- and I have no idea if the documents I sent and Barclays letters to me have just crossed in the mail and I am approved and the card is coming -- or if I have been declined and I awaiting a card that is not coming. Also, why the heck am I having to jump through all of these ID hoops when I have had a Barclays savings account for many years? Barclays already know who I am and I have an outstanding account history with Barclays with my savings account with them. UPDATE -- So while I was on hold on one call trying to get through to Barclays, I called XXXX, at XXXX central time, on XX/XX/2020. The lady I spoke to looked up my application and said that the utility bill, XXXX XXXX, which is my ground telephone service provider is not acceptable. I will note that one of the " form letters '' that I received from Barclays after I placed my application reads, " Your drier 's License/State ID, Social Security Card, and current original utility bill or bank statement with your name and address on it. '' Well, XXXX XXXX is my telephone utility company. The lady I spoke with on the XXXX XXXX  call said that Barclays does not accept telephone bills for identification purposes -- which is misleading since their form letter reads " utility bill ''. Additionally, I have an savings account at Barclays bank, so they can look at one of my bank statements any time. This feels like unfair/deceptive trade practices in my humble opinion. Application # 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 2020-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Violation of 1024.33 Mortgage Servicing transfers On XXXX XXXX, we completed a refinance of our Chase home mortgage. On that date, XXXX XXXX wired the payoff amount ( wire confirmation included ), to Chase home mortgage. After the wire was received by Chase, they indicated the loan had been transferred to XXXX XXXX, XXXX. The payoff was then forwarded to XXXX XXXX, however it took close to 20 days and the new servicer deducted {$690.00} from our escrow refund to cover interest accruing. Under no circumstances should close to 20 days of interest have been accrued. Chase sat on the payoff for a week and then forwarded a check to XXXX XXXX. We were unaware of this process. 

When we contact Chase, their resolution department stated it was not their problem and we were notified of the transfer by letter form on XX/XX/XXXX. We do not recall receiving this letter. Additionally, we had a written payoff quote from Chase, ordered XX/XX/XXXX in the normal processing of our mortgage refinance. The payoff quote ( attached ) was good through XX/XX/XXXX. We funded our refinance on XX/XX/XXXX. If Chase was aware of the transfer of servicing, they should not have permitted a payoff quote through the date they planned to transfer. 

We feel as though there is a violation of CFPB rule 1024.33 and request the amount we were penalized of {$690.00} returned to us. In addition to the violation, we also feel as though 3 weeks to resolve and then charge us is unethical. 

We are attaching our closing statement, our payoff request through Chase and the wire confirmation. 

Our request is a full refund of the {$690.00} and we will consider the case resolved. 

Respectfully

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 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: CA

Complaint narrative:
I was applied for a loan and I found two accounts I never open those two accounts are fraudulent accounts I lost my documents and some one has a copy of my personal information and that person used and open accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
AF24/7 IS NOT TRUTHFUL IN THEIR LENDING. THEY KERP RAISING MY CREDIT LIMIT TO OF COURSE CHARGE ME MORE MONEY TO WHERE I JAD TO STOP PAYMENT. HOW IS IT EVEN RIGHT. PLUS THEY ARE FUL OF XXXX THEY STATE ITS A XXXX  PAY IT BACK HIW AND WHEN YOU WANT. NOT TRUE. ON TOP OF THAT IF YOU LOOK THEM UP IT EVEN STATES XXXX XXXX XXXX XXXX. WHAT IS THE CUT OFF ON HOW MUCH THEY CAN CHARGE I PAID OVER XXXX A MONTH FOR OVER A YEAR AND OWED MORE THAT WHEN I GOT THE LOAN. I WANT ALL MY MONEY BACK ADD IT UP AND TELL ME ITS NOT A SCAM XXXX ROBBING LOW INCOME PPL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my 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 explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I just checked my credit report and a collection account appeared that is part of my identity theft case that was filed in XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank 's providing online banking services need to provide additional data pertaining to a users post-processing balance in order to prevent overdrawn charges from occurring. 

In 2017, banks reported {$11.00} XXXX in overdraft fees alone. This is big business for banks, and consumers are limited in banking options as they must adhere to these payouts to the large banks. 

Customers of large banks largely depend on online banking websites and mobile apps, along with text alerts for up to date balances. Due to the nature of how funds are transacted electronically ( wire, ACH, check, etc. ) funds are not immediately available and/or posted to the account. Instead, most transactions are processed at odd hours, or left in a 'processing ' state until mid-week when all transactions are dumped out in a single posting. Tuesdays are nightmare for most customers, resulting in an array of overdraft charges. 

Requesting to opt-out of overdraft charges is possible, but then a customer is left with fairly limited banking tools, such as no checks can be processed, etc. 

What I am requesting is an update to the interface of banking systems and their text communication which shows a Safety Zone balance that is required to PREVENT overdraft charges. We use our logic based on what transactions we've made, what we have pending, and what our current balance shows in our online bank accounts. 

The final balance displayed when items are in a 'processing ' state is hugely inaccurate. 
We depend on these balances to dictate what amount of funds will cover our pending transactions and our overall spending power. 

We need an indicator on the top of the balance ledger displaying a POST PROCESSING balance and/or a safety feature which uses predictive tools ( I have an ACH transaction posting every month on MM/DD ), which can notify via text, app notification, and/or display in online banking. We should not depend on third-party apps, notes, etc. when such readily available technology can be implemented into the website/apps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
Loan opened in XXXX biweekly payments paid until wife became I'll. We were paid in advance by payroll deductions twice a month. Original loan amount less than {$47000.00}. The loan amount was paid down to less than {$24000.00}. During bankruptcy we paid {$17000.00} those numbers are off. Plus we paid direct from XXXX XXXX over {$10000.00} and then another XXXX after we canceled the bankruptcy so we could sell the house. That's over XXXX and doesn't include the original biweekly payments prior to sickness. They hold money and don't post to increase finance charges, they are being sued via class action lawsuit due to hazmat insurance and they straight up defrauded us. I have a check they sent in the amount of {$440.00} but won't cash it as they considere that business concluded. They show no payments made from Bankruptcy filing to dismiss it so we could sell the house from XXXX, XXXX until XX/XX/XXXX and they were more than paid in full. They were charging the house taxes fraudulent as well. please help. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my 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 explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/2020, my bank, XXXX XXXX made a payment through ACH to Freedom Mortgage in the amount of {$3500.00}. Freedom Mortgage failed to credit my account for the payment and continues to charge late payments and interest on the " missed '' payment. I spoke to a Freedom Mortgage representative on or about XX/XX/2020 about the statements I received that failed to credit my payment and the representative advised that I needed to submit a copy of the payment confirmation and documentation showing the funds were deducted from my account. On approximately XX/XX/XXXX, I provided Freedom Mortgage a copy of a letter from my bank which included my bank account number and the tracing number demonstrating the funds were transferred from my bank to Freedom Mortgage. Freedom Mortgage acknowledged receipt of my documentation on XX/XX/XXXX, and subsequently stated they want a running bank statement and not just a copy showing that the payment was deducted. Freedom Mortgage is holding and earning interest on approximately {$3600.00} of my dollars, and refuses to document the payment. I have been adversely impacted through continued late payment charged, erroneous letters and interest charges and negative reports to the credit bureau. I have spoken to two customer service representatives with Freedom Mortgage and I yet to receive resolution. Any assistance you can provide would be appreciated.

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 2020-05-19 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: FL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my payment history which clearly shows that I have never missed a payment. I had submitted one ( 1 ) payment and due to a system glitch with XXXX, the payment did not post until the next morning. This payment was made was well within the time frame allowed to not be considered a late payment. XXXX is showing this as a ( 30 ) day late on this account. This false reporting of a late is seriously harming my credit score and this line item needs to be updated and the late payment be deleted all together. I have contacted the bureaus to fix this error however, I have not been successful.

Company response to consumer: Closed with explanation