vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
For approximately 2 years I have tried to dispute inaccurate information on my personal credit report with the three bureaus ( XXXX, XXXX, and XXXX  ) and AMEX with no success! Each time I attempt to get accurate information VERIFIED and/or changed or removed the bureaus send a letter back indicating " verified with the bureaus ''. Each time I contact AMEX directly to VERIFY accurate information is correct and being reported to the bureaus correctly AMEX will send copies of old account statements. When asking the three bureaus ( XXXX, XXXX, and XXXX  ) to VALIDATE that the items being reported by AMEX are correct since there are SO MANY errors across the bureaus I get a letter back stating " our information that is being reported is correct ''. When asking AMEX to VALIDATE information on my credit report because of the vast DIFFERENCES being reported across the bureaus AMEX does not respond or sends old statements. I have attached just the past correspondence to the three bureaus ( XXXX, XXXX, and XXXX  ) and AMEX via certified letter for your review. I will also send you the new letters indicating the same. Lastly, I will send you just one of the many denial letters that I have been getting over the past 2 years from my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RMS-Recovery Management Services, Inc.
State: CA

Complaint narrative:
My Name is XXXX XXXX. My father ( XXXX XXXX ) is helping me with this letter. Beginning in mid XXXX I developed XXXX. Both XXXX XXXX  XXXX, and XXXX  XXXX which prevented me from returning to XXXX XXXX University in Arizona. I am working with my doctor to find a medication that will allow me a normal life. But upon leaving XXXX they sent me a {$550.00} bill with no breakdown of what the fee was for. 

I sent them the following correspondence. 

RE ; XXXX XX/XX/XXXX To Whom It May Concern : I dispute the validity of this debt. XXXX XXXX University ( XXXX ) automatically enrolled me without explaining the significance, or expense of not returning to XXXX. 
Please send me my written contract making me liable for this specific charge, ************************ They send me my initial enrollment package with no explanation of the details of this bill. 

XXXX assigned it to RMS Collection. RMS was given a 3rd party authorization to speak to my parents. They refused. They refused to send me a breakdown of the charges. 

I did not want to have this {$550.00} collections hit my credit report and there was nothing I could do.. I had to pay it. But I still do not know what it was for. 

The balance was paid. 

But I would like specific details why I am being billed {$550.00}, and a specific complaint against XXXX XXXX ( Employee of RMS -  Recovery Management Services )

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 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a premier checking account at HSBC. One of the terms of this offer was that if I receive direct deposits of XXXX dollars a month for three straight months, I receive a XXXX dollar bonus. I did, in fact, receive such direct deposits on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out several times via chat to HSBC employees and they said I would be receiving the bonus shortly. This never happened. Finally a query was opened by the company. The query is XXXX. The results of the query were that I was not entitled to the bonus because " As I see the monthly deposit from your employer was credited as Cash Concentration not Direct Deposit. 

The eligibility of the offer should be a Direct Deposit from your employer. 

We don't accepts Cash Concentration deposit as Direct Deposit,  that's the reason you are not eligible for the offer. '' This is made up jargon that does not pertain to me and was not delineated in the initial offer. 

I am hopeful that you can help clear this up for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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:
I HAVE APPLICATIONS THAT HAS BEEN FILLED OUT USING MY PERSONAL INFO AND MY INFO HAS BEEN USE FOR MEDICAL SERVICES THAT I DID NOT GIVE CONSENT I CONTACTED TRANSUNION, XXXX AND XXXX TO HAVE THEM REMOVED THEY WOULD ASSIT ME OVER THE PHONE SO I MAILED THEM THE DISPUTE ASKING THEM TO BLOCK THE FRAUDLENT COLLECTIONS AND INQUIRES.

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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one took over Walmart credit card accounts and as a result capital one failed to process my payment in timely manner due to statements not being ready on my due date. As a result they reported to the credit bureaus as 30 days past due. Which is false. I called capital one and tried to settle the matter as i have other cards with them that i pay with my application without as issue. The transfer of the account seemed to be the issue in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have received a 30-Day Late fee on my account, but payment was made on time. I receive ( 2 ) Statements from the same loan, but different payment addresses every month. I would make a payment to XXXX, and the payment would be redirected to Chase. XXXX XXXX XXXX XXXX, I have sent in ( 4 ) Letters requesting to look at the 30 days late and verify the documentation from XXXX XXXX, which shows I was not late on any payment. No receipt was received or acknowledged. I hired XXXX and XXXX and a letter was sent on my behalf to the Credit Bureaus and Lender. I received a letter back from Chase, stating I could NOT use an attorney to represent me but had to write myself, which I had done in ( 4 ) letters. I contacted XXXX # XXXX and XXXX XXXX who also failed to acknowledge the problem and even review the documents. Chase has refused to allow me to counsel in this matter. Per XXXX has assigned the case to the Special Collections Department, which has been done on ( 3 ) separate incidents. XXXX can be contacted at XXXX Per XXXX, another review is 48-72 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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:
The following accounts are fraudulent : XXXX  XXXX XXXX {$540.00} XXXX  XXXX {$490.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX  {$430.00}

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 2020-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC
State: TN

Complaint narrative:
I took a loan from Integra Credit in XXXX. They charged me a 275 % interest. I was charged an interest charge on cash advances fee, a customary fee, and a fee charge on cash advances. I was not aware of all of these charges when I took out the loan. With all of these high percentage fees, it makes it impossible to pay the loan off. I am not going to loss my house over this loan. I have now stopped paying them. I cant afford to give my money away to greedy companies like Integra credit. They continue to harass me daily with phone calls and emails. They call my family members for no reason at all but to let them know that I owe Integra money. This company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
FOR 38 YRS. W/ AMERICAN EXPRESS ALWAYS PAID MONTHLY IN FULL NEVER LATE. 2 YRS. AGO, A MERCHANT ( XXXX  XXXX  ) CAME TO INSTALL A NEW FLOORING, BUT UNABLE TO FINISH LACK OF MATERIAL. AND NEVER COME BACK. THEREFORE, I DISPUTED W/ AM EXPRESS FOR {$500.00} CHARGE FOR 2 YRS. W/O RESULT. WE CAN NOT PAY FOR UNFINISHED JOB. 
BESIDES, AM EXP. KEPT SENDING ACTIVATED CARD W/O PERMISSION TO OUR EMPLOYEES WHICH IS UNLAWFUL & PUNISH BY JAIL PENALTY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Approximately 4 years ago I applied for a credit card from my bank - Santander Bank. From the very inception I started to have problems using the card at retail stores and complained to the bank about the embarrassment I experience each time ; nothing was done about my complaint. On Monday, XX/XX/2020, the card was declined for purchases I wanted to make ; on Tuesday, XX/XX/2020 I contacted the customer services department of Santander bank and requested that the card be closed ; for over 45 minutes I was bounced from department to department and was unsuccessful in getting my request completed. On Wednesday, XX/XX/2020, I went to the XXXX XXXX, XXXX, New York Branch of Santander bank and requested assistance from the employee who originally helped me to obtain the card. The credit card department refused to comply with the request made by the bank employee and insisted in speaking with me. I spent over i hour being transferred from one employee to the next without getting my request completed. I noted some of the employees names they are XXXX, XXXX and XXXX. Those employees kept making a number of frivolous excuses and refused to close the credit card account. Now I am being held responsible for a credit of {$10000.00} but can not use the card at my convenience and can not get the bank to cancel the 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 2020-03-04 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: TX

Complaint narrative:
I sent a challenge letter XX/XX/2019 to Experian about an incorrect account on my credit report. I ask Experian to investigate the account serval times only to get back that the account is verified or accurate. There's no way the account is accurate or verified. I never received a proper investigation from Experian. The service address for this account is a place I've never lived or authorized service too. This account is not mines! 

I mailed at least 3-4 times about this matter and I called yesterday and was told there's nothing they can do if the data furnisher deems it accurate? I've never received any proof or letter proving this account as accurate.

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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit score is very low because 89 % of my credit is used but this is not true. First, I am disputing the mortgage balance of an additional XXXX that was fraudulently added and second, I've paid down credit cards and this is not reflected on my report.

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 2020-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
On XX/XX/2020 I mailed check XXXX to Guaranteed Rate mortgage company for the amount of {$2100.00} which is the full amount. It was cashed before the amount was due on XX/XX/2020. The payment was due XX/XX/XXXX. 
Guaranteed Rate sold the loan to another company named XXXX XXXX. They wired the payment to XXXX XXXX. 
It has been 34 days and neither company knows where the payment is. I now have a derogatory mark on my credit. I signed up for auto pay and they would not take the XXXX payment out of my account. I had to call and give them my banking information and pay an extra {$20.00} to make the payment. 
I have had conference calls with both companies and their response is everything will be ok. I have spoken to my mortgage broker multiple times and asked him if I should make another payment as soon as I found out which was before it went on my credit as a late payment. 
I have went to full lengths to resolve this issue with no success. My credit is very important to me and this is unethical behavior. 
Attached is a copy of the cashed check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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 following accounts are fraudulent : XXXX  XXXX XXXX {$540.00} XXXX  XXXX {$490.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: TX

Complaint narrative:
The following accounts are fraudulent : XXXX  XXXX XXXX {$540.00} XXXX XXXX {$490.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00}

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 2020-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2020, I received an email from XXXX about an update to my TransUnion credit score changing a specific amount. I realized at that point, XXXX had been CCing my ex-spouse, whose access I had removed from my XXXX account a long time ago, on an email alert about my finances. She's been receiving details about my credit score, when I'm paid, how much money I spent, etc. 

This is a significant breach in privacy for me, and all XXXX will tell me is " we took care of it ''. I've had two chats with their support, but no one will help me understand what happened or feel confident it was resolved.

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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit score is very low because 89 % of my credit is used but this is not true. First, I am disputing the mortgage balance of an additional XXXX that was fraudulently added and second, I've paid down credit cards and this is not reflected on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit score is very low because 89 % of my credit is used but this is not true. First, I am disputing the mortgage balance of an additional XXXX that was fraudulently added and second, I've paid down credit cards and this is not reflected on my report.

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 2020-03-04 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: NV

Complaint narrative:
My XXXX  home equity loan was refinanced by XXXX XXXX. XXXX XXXX  sent XXXX Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to XXXX. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by XXXX. However, XXXX reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.

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 2020-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
A VA IRRRL mortgage refinance was being written by Quicken/Rocket Mortgage. I was charged a Good Faith fee of {$500.00}. An appraisal was also done- I later found out was not necessary both ) for this loan. I have excellent credit and have been on time on payments. My home is in a growing area. I am a XXXX XXXX Veteran and have been a victim of a Predatory Loan. No Contract was signed- no closing. Was told {$500.00} will be returned MINUS appraisal and other fees. This all occurred in the last 30 days. XXXX XXXX XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
We received a letter in the mail, written XX/XX/XXXX from McCarthy, Burgess, and Wolff, stating we have a balance of {$3500.00} that must be paid on behalf of a closed worker 's compensation account from XXXX with XXXX XXXX XXXX. The letter indicated their client is intent on " looking to resolve this claim in the easiest manner possible '', and that action will be held until XX/XX/XXXX, pending receipt of a check. 

The letter further proceeded to instruct in making a payment to their client ( XXXX XXXX XXXX ) in the amount of {$3500.00} and mail the remittance to their office ( McCarthy, Burgess, and Wolff ) at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX An additional option was to pay online at : www.mbwpay.com, or over the phone, XXXX. 

We called Employers to verify if there was a balance due and they confirmed the account was closed in XXXX, and there was no balance due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: PA

Complaint narrative:
The XXXX branch has denied me access to my checking, savings, and debit cards. They stated my inheritance check for XXXX was fraud and could not give me access until it cleared. The check cleared 2 weeks ago and instead of giving me access they blocked my debit cards and refuse to give me kk why even when so come inn with an ID. The fraud department said the blocks are the branch managers discretion. The branch manager keeps telling me she is looking out for me and stated several different times that it would be fixed in a couple days. As of Monday XX/XX/XXXX she said she would call me back and never did. Monday I filed a complaint with the executive offices XXXX XXXX XXXX who stayed I would get a call from someone above the branch manager within 48 hours. That time has passed and still no response or resolution. Currently the bank is denying me access to my XXXX check that cleared two weeks ago. Tomorrow I will have my monthly deposit that I cant access and soon my social security. Ive been left without money for food, medicine, bills and daily living. I had to borrow money just to survive with food and medicine. My bills are going unpaid. 
There is no legal basis for this bank to deny me my money. I want the account closed and money released to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
they won't stop calling 5+ times a day at all hours from many different numbers

Company response to consumer: Closed with explanation