vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 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: PA

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX   {$860.00} Account number XXXX Collection opened Loan Amount {$860.00} {$900.00} Payment Info Original loan amount {$900.00} Balance {$860.00} XXXX XXXX XXXX  XXXX Original creditor : XXXX  {$0.00} 100 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Balance Loan Amount {$620.00} Payment Info Original loan amount {$620.00} Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$240.00} Account Info Hover over labels for more details Account XXXX Account status Closed Date opened XX/XX/XXXX {$240.00} Past due amount {$240.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  XXXX {$740.00} Paid, closed Account XXXX Account statusClosed Date opened XX/XX/XXXX {$740.00} {$500.00} Past due amount {$740.00} XXXX XXXX  XXXX $ XXXX XXXX XXXX   XXXX  XXXX XXXX {$5300.00} Account Info Account XXXX Date opened XX/XX/XXXX Balance Loan Amount {$5300.00} LABELS FOR MORE DETAILS ACCOUNT NUMBER XXXX XXXX XXXX XXXX {$0.00} Paid, closed Account Info Account XXXX Account status Closed Date opened XXXX XXXX, XXXX {$0.00} {$300.00} XXXX XXXX  XXXX {$0.00} Paid, XXXX  XXXX XXXX XXXX XXXX Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Account Type Unsecured Balance {$2600.00} Date Opened XX/XX/XXXX XXXX XXXX {$210.00} Original creditor : XXXX  Balance {$210.00} {$210.00} Opened XX/XX/XXXX Opened XX/XX/XXXX 2016

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 2020-03-19 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: PA

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX   {$860.00} Account number XXXX Collection opened Loan Amount {$860.00} {$900.00} Payment Info Original loan amount {$900.00} Balance {$860.00} XXXX XXXX XXXX  XXXX Original creditor : XXXX {$0.00} 100 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Balance Loan Amount {$620.00} Payment Info Original loan amount {$620.00} Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$240.00} Account Info Hover over labels for more details Account numberXXXX Account status Closed Date opened XX/XX/XXXX {$240.00} Past due amount {$240.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  XXXX {$740.00} Paid, closed Account number452912XXXXXXXXXX Account statusClosed Date opened XX/XX/XXXX {$740.00} {$500.00} Past due amount {$740.00} XXXX XXXX  XXXX $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$5300.00} Account Info Account numberXXXX  Date opened XX/XX/XXXX Balance Loan Amount {$5300.00} LABELS FOR MORE DETAILS ACCOUNT NUMBER XXXX XXXX XXXX XXXX {$0.00} Paid, closed Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX {$0.00} {$300.00} XXXX XXXX XXXX {$0.00} Paid, XXXX  XXXX XXXX XXXX XXXX Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Account Type Unsecured Balance {$2600.00} Date Opened XX/XX/XXXX XXXX XXXX {$210.00} Original creditor : XXXX Balance {$210.00} {$210.00} Opened XX/XX/XXXX Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have paid all my accounts on time. On XX/XX/2020 Synchrony cancelled all my cards which negatively affected my score. All were in good standing. Because, i referred them to the CFPB they proceeded to over charge my Amazon Prime Credit Card stating past due and said they did not apply the payment to my bill because I paid 1 day before the billing cycle, I was going on vacation an paid and had not received my notice. 

When I got my XXXX Bill, admist the Corona Virus, they billed me {$220.00} amidst the crisis and stated on the online notice on the account that if not paid they would report me to the CRA. 

I had to pay {$220.00} usurious charges because they failed to apply a payment I made. They take about 24-48 hours to apply payments. 

This company is totally unethical and is purposely dismissing the orders of the National Emergency set by our President. They also added the Account Secure extra billing w/o my knowlede. All I asked for was for paperless billing and they proceeded to add it and just noticed it since I get online notice for my bills and recently got a late payment notice when I had paid my bill. 

This company should be looked into. They violated my right sunder the FCRA and Truth and lending act. Evidence of on time payments will be sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I was charged a {$15.00} fee from my checking account at PNC on XX/XX/2020. I was not told what the fee was charged for, and I did not receive an alert that it was charged -- I only discovered it when looking over my bank statement after the fact. When I contacted the company, they told me that the fee was charged due to insufficient funds in my account, despite the fact that I had over {$8000.00} in my combined checking and savings accounts at the time. I received no alerts or warnings that the funds in my account were below the required amount ; I was not even aware that there was a required minimum amount. PNC 's representative ( who, I should add, did the best she could given the situation ) told me that this would have been in the literature I received when opening the account. But I opened the account eight years ago when I was XXXX years old, and as far as I can tell the minimum balance requirements are not clearly stated anywhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian claim to be investigating. I have submitted a claim every month since XX/XX/XXXX. Once I found out XXXX was their data furnisher. I have included the letter where XXXX do not have a file for me. I also, reached out to Experian by phone and mail on XX/XX/XXXX to advise them of me filing a police report. Despite them responding as factual they have not provided me with their Method of Verification as of XX/XX/XXXX. I am asking for this information to be removed immediately!

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 2020-03-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX  claim to be investigating. I have submitted a claim every month since XX/XX/XXXX. Once I found out XXXX was their data furnisher. I have included the letter where XXXX do not have a file for me. I also, reached out to XXXX  by phone and mail on XX/XX/XXXX to advise them of me filing a police report. Despite them responding as factual they have not provided me with their Method of Verification as of XX/XX/XXXX. I am asking for this information to be removed immediately!

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 2020-03-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax refuse to do a proper investigation. I have been disputing, fraudulent and inaccurate information on my report since XX/XX/2019. I went to purchase a home for my family and I, and was told my report had 9 different accounts but 4 looked like duplicates. I immediately sent Equifax a letter on XX/XX/2019. No response. I have filed numerous dispute requests and have not received a response. The accounts are still there which is a Violation of the FCRA. Equifax did not conduct a reasonable investigation of my dispute, And did not correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America XXXX # XXXX Charges In Dispute : - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY DEBIT CARD XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY XXXX CARD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - My Bank of America account was compromised and two very large transactions were charged to my account without my knowledge or consent. 

I reported the charges as fraudulent the next business day to a banker at my local branch, they asked me a bunch of questions and then she went to the back but they never filed a claim in branch. 

I tried to get someone who is tech-savvy to help me file the claim online ; it was extremely difficulty to use and the touchscreen wasn't working well, somehow " items never received '' was selected instead of " I did not make these charges ''. 

As a result Bank of America denied my claim. I never made these charges, I never spoke to anyone to approve these charges, this is proof that Bank of America is an accessory to fraud. By allowing people to fraudulently charge the customers account and refusing to reimburse the customer, this is illegal at the federal level. 

They advertise " zero liability '' to get people 's money and they leave them in situations like this. False Advertising at its worst.

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 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: VA

Complaint narrative:
I tried to call the numbers on the letter I received, however, they kept telling me to go online and complete the dispute papers. I didn't feel comfortable filling out forms that wanted my social security number, since someone has already applied for an account under my name to start with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA CFPB RESPONSE XXXX XXXX reported by me XX/XX/XXXX CONFIRMS INACCURATE INFORMATION ** ALLEGING I REPORTED XXXX XXXX A RETURNED ITEM {$120.00} XX/XX/XXXX AS FRAUD CONFIRMING ( XXXX XXXX BEING ** INCLUDED IN THE BALANCE OF {$470.00} XXXX XXXX see attatched XX/XX/XXXX XXXX XXXX CLEARLY THE {$120.00} IS NOT INCLUDED IN FRAUD OF {$470.00} I REPORTED FRAUD ON THE BALANCE LEFT AFTER CREDITED BY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$120.00} IS NOT INCLUDED IN THE {$470.00} BALANCE LEFT AFTER {$120.00} WAS ( SUBTRACTED ) USAA STATEMENT XX/XX/XXXX AGAIN USAA IT DOES NOT INCLUDED THE XXXX XXXX. see attatched CFPB XXXX XXXX CONFIRMS USAA HELD ME LIABLE FOR THE {$470.00} UNAUTHORIZED TRANSACTIONS CLAIMING TO CRAs REPORTING ME AS A CRIMINAL ATTEMPTING TO COLLECT ON RETURNED ITEMS DESTROYING MY CREDIT AND SLANDERING MY NAME. see attatched XX/XX/XXXX. XX/XX/XXXX CFPB XXXX see attatched RESPONSE CONFIRMS I WAS HELD LIABLE FOR THE {$470.00} see attached FRAUD CLAIM LETTER {$470.00} TRANSACTIONS OF XX/XX/XXXX AFTER USAA INVESTIGATION XX/XX/XXXX ARE CONFIRMED BY USAA AS BEING UNAUTHORIZED. see again XX/XX/XXXX STATEMENT XXXX NO USAA CREDITS APPLIED AND NO XXXX XXXX {$120.00} IS INCLUDED IN THE BALANCE OF {$470.00} I REPORTED FRAUD. USAA FRAUDS CONSUMERS. COLLECTS ON ID THEFT IS NOT ZERO LIABILITY AS THEY ADVERTISE. USAA BREAKS THE LAWS. LIES TO SAVE PROFITS AND SLANDERS MY GOOD NAME AND CREDIT CONFIRMING FALSE INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX I received a bill from TJ Maxx ( Synchrony Bank ) for {$110.00}. I called on XX/XX/XXXX and thought I opened a fraud case since I did not make these charges. They said they would send an affidavit, which I never received. I called again and they said I needed to open a fraud claim. I explained that I did file a fraud claim and never received their affidavit that they supposedly sent. I finally received an affidavit in XX/XX/XXXX and faxed it in on XX/XX/XXXX. 

They do not send status updates and keep mailing bills, calling and emailing. I did NOT make these charges, I was unemployed at the time and am now underemployed. I would like more information on why they refuse to address this issue other than sending bills.

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 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: IA

Complaint narrative:
Equifax will not remove items from credit report that don't belong and their customer service is not accessible by phone or internet. Phones are not answered and login navigation is impossible on the website. They should not be in business or have any involvement in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
My Name is XXXX XXXX XXXX I have questions about my credit report. And also a question about a Lien was also placed on my report After a ChapterXXXX Bankruptcy case involving a XXXX  vehicle. And a title My concern about all of this is Nissian Sent me a relief from Stay form Of a final notice of a repo. Of this same vehicle I made several attempts for them to come get it they wouldnt. I have the original first day of purchase and in the state of V.a the 20 years is Almost in leaving Free clear of this Debt lien And a vehicle they was never worried about repression on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Gerald E Moore & Associates, PC
State: TX

Complaint narrative:
I signed a contract for 6-months term lease at XXXX XXXX XXXX XXXX and lived there from XXXX to XX/XX/XXXX. I paid my rent all the time before it was due Despite my monthly payment paid on-time, the landlord brought me to civil court for eviction on XX/XX/XXXX. At the court, I showed all the money-order for my rent to the judge and the case was dismissed. 
On XX/XX/XXXX, I tried to rent an apartment in XXXX TX and the tenant told me that i meet the requirements because i owed an apartment called XXXX  XXXX XXXX and XXXX XXXX. 
So i contacted the credit agencies bureau and explained them the situation and they told me they will contact the apartment XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX is the same apartment as XXXX XXXX ; they have just changed their name but they are the same. 
XXXX XXXX XXXX is fraudulently tried to collected from me {$4700.00}, complaining that I haven't NEVER paid the rent since i rented their apartment. 
I am fully aware that we all my rent was paid through money order and if my rent wasn't paid on-time, I will be evicted and penalized on the day they have brought me to civil court. 
I am very upset and don't even have a place to stay due to fraudulent information on my credit report. I am not owing any apartment and i always paid my rent as my first priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There was a large ACH debit hitting my Chase checking account that was going to put my account into a negative balance. So that day I called Chase. The representative said that he could Stop Pay it for a {$30.00} fee. I told him to go ahead. 

The next day I saw that Chase had paid it anyway despite the Stop Pay and I had a negative balance, along with multiple fees for Insufficient Funds. The Chase employee had obviously bungled the Stop Pay. 

Now today I have to cancel my plans because I have no money to spend. Thanks Chase, bunch of XXXX  from XXXX XXXX on down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My husband works for XXXX XXXX. He will find out today if he is temporarily out of a job. Trying to be proactive, like everyone tells us to do during this time, we contacted our mortgage company, Mr. Cooper. I was directed to the Forbearance Department and spoke with a woman named XXXX. When I explained to XXXX what our issue may be and what our options would be during this Covid-19 time she told me I had 3 options. The first option was to refinance our loan but that it wouldn't be approved since we don't have any income, the second would be a forbearance option but that would only be postponed for 1 month and after that it would have to be paid in full. The 3rd option was basically losing our home. I've always been very happy with Mr. Cooper but am very disheartened that during this time those are the only options. Basically Mr. Cooper isn't willing to help anyone during this time. This has made our stress level even worse .possible no income and no support from our mortgage lender. If we get through this and still have our home we will be leaving MR. Cooper real quick. I will be reporting them to every agency that I can ... ..would n't the governors and political figures love to hear this during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Starting XX/XX/XXXX-to now XX/XX/XXXX I receive over 20-to 30 calls or more a day. Now at the resident that live at which doesn't belong to me, the owner is now getting harass and they are taking his picture and threats. Random people are showing up blocking the owner drive way and will not leave and sit and wait. The complaint is from portfolio recovery associates LL. The original creditor is XXXX credit card and my account was close showing on my credit report XX/XX/XXXX. Threats are calling me that I'm going to be arrested, served and now never ending. I'm being sued and a citation issued to XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief