vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I signed up for a credit card that had a promotional offer of XXXX bonus points after spending {$1000.00} within 90 days. Once all of that occurred, I was issued only XXXX points. I have called and spoke to someone and opened a case, I was sent a general letter that my case was closed and there would not be any additional points. I called them and I spoke to XXXX who provided me with his operator ID XXXX. He advised that he is located in the call center of the XXXX. This credit card is a Barclay 's Credit card through XXXX XXXX. It is a Visa that I am able to use anywhere. He advised that I signed up for an offer for the 25,000 points. I advised that I have proof of the 32,000 points that I was supposed to receive that was time stamped on the time and date that I signed up for my offer. I didn't get anywhere with him so I used twitter to contact them, and this is the message that I received verbatim " We are unable to change the promotional points that were offered during the time of your application. Welcome bonus offers will vary depending on the time of application and application channel additionally offers change on a regular basis. We apologize for any inconvenience this may cause. '' This was initialed by XXXX. I sent them the offer from the website that I applied on when I completed the application. I do this with everything that I do because I am sick of companies posting things and not honoring what it wased that they advisertised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: AZ

Complaint narrative:
I have sent multiple letters describing the errors in my credit report. I have asked them to provide a written contract with my name on it and they failed to provide sufficient prove and they failed to do it. I have sent multiple letters asking them to update my credit report as well they failed to comply. I know my rights as a consumer and I feel they continue to violate my civil rights. 
This has been affecting and hindering my ability to receive funding for a home. This needs to be addressed immediately. Experian has been negligent to my requests and I feel it is discrimination against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2020, I received a text message from Chase fraud department advising that a charge was declined and requesting verification. I replied with " NO '' via text message and immediately contacted Chase to dispute the fraudulent charges. 
Chase did replace my charge card and issued a temporary credit but later denied my claim and charged the fraudulent purchases back to my charge card. The response was in the form of a letter from Chase on XX/XX/2020 stating that my claim was denied because I allegedly received benefit from the transaction and the claim was closed. I responded via certified mail article # XXXX XXXX XXXX XXXX XXXX XXXX in which I disagree with the decision and request information regarding the appeal process but received no response from Chase. I am being informed incorrectly that my claim was denied because I allegedly approved the verification text and signed for the following purchase XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX {$870.00} XX/XX/2020 XXXX XXXX # XXXX {$5000.00} I did not make these unauthorized charges nor did I receive any benefit from them and I would like Chase to re-open my claim and provide me with any documentation supporting their denial of my claim

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 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: NY

Complaint narrative:
DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH XXXX  AND TRANSUNION. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING XXXX DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: NY

Complaint narrative:
DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH XXXX  AND TRANSUNION. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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:
On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I signed refinance documentation for a VA XXXX Fixed 30 Year with Loan Depot on XX/XX/2020 ; this is my current mortgage company. My loan has been conditionally approved by underwriting for three months ; I have called Loan Depot over 25 times with no response from various messages. I have escalated through customer care, and no one from the refi side or loan officer has called me back. The customer care reps are limited in what they can do but have stated this is not normal from what they have seen. They have sent messages from their side directly to the member team with the answer no one has called back. I have sent messages through the portal with no response. I do not know what to do, or it should have gone to someone else. At the two month mark, I did talk to XXXX XXXX ( manager ), and I explained that I had had the same offer they gave from other Mortgage companies, and the other companies guaranteed they could get the loan completed quickly. He reassured me that they would get the ball rolling and be very quickly 57 days ago. Now those rates are lost me, and I'm and stuck waiting on them with no choice to look elsewhere. I don't want my credit pulled again as it had been pulled previously two times separated by 30 days because I could not get ahold of anyone. Additionally, I am a 100 % XXXX retired XXXX Veteran ; I'm not sure if the stall is because there is not enough money to be made off this refinance. I am taking the backseat to other more profitable loans. I can not see why there would be any other reason unless they have not completed one refinance since XX/XX/XXXX, which I'm sure is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
On XX/XX/20 I requested verification of debt owed. I was sent one page which was unreadable and no information regarding how to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I tried disputing a collection account on my credit and asked for documents. The apartments XXXX  XXXX  XXXX is reporting to the credit bureau but I have no knowledge of the apartment nor have I ever lived there nor applied there. The collection states it was opened in XXXX I lived at a totally different address and did not move from the apartments until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They said they couldnt help me. I am unable to access over {$3000.00} that I need to pay for rent and bills for over three months now. I contacted XXXX and they say to contact Bank of America. I contact BOA and no one know anything. Its money sitting on the car, that I dont have access too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
My identity was stolen on XXXX/XXXX/2020 by someone that I was dating for XXXX month. While I was sleeping they transferred {$1300.00} through my XXXX to someone that I dont know. This person that stole the money hacked into my phone and changed my PIN number to my account and sent the money. My chime card was attached to my XXXX and they person that stole the money did test transactions to see if the money would go then transferred the rest. I contacted my local police department, Chime, XXXX and filed complaint with all 3 credit bureaus. Chime and XXXX basically said that the transaction wasnt in error even though I sent them all the information from the case. When Chime tried to get the money back from XXXX thats when they closed my account and stated that I violated there policies. Chime based there decision on where my card was located and where my PIN number was located. They didnt even look at the police report nor the information from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
I HAVE A 30 YEAR FIXED MORTGAGE AND EVERY SINCE M AND T BOUGHT MY LOAN OUT WITHOUT ME KNOWING THEY GOING UP ON MY MONTHLY PAYMENTS AND NOT HELPING BUT TRYING TO TAKE MY HOUSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
My identity was stolen on XX/XX/2020 by someone that I was dating for XXXX month. While I was sleeping they transferred {$1300.00} through my cashapp to someone that I dont know. This person that stole the money hacked into my phone and changed my PIN number to my account and sent the money. My chime card was attached to my cashapp and they person that stole the money did test transactions to see if the money would go then transferred the rest. I contacted my local police department, XXXX, Cashapp and filed complaint with all 3 credit bureaus. XXXX and Cashapp basically said that the transaction wasnt in error even though I sent them all the information from the case. When XXXX tried to get the money back from Cashapp thats when they closed my account and stated that I violated there policies. Chime based there decision on where my card was located and where my PIN number was located. They didnt even look at the police report nor the information from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp.
State: TX

Complaint narrative:
I have used worldremit.com service before and the company sent me email offers for " refer a friend '', whereby both parties receive {$20.00} credit if at least {$100.00} is sent internationally. I have this email ad if needed. My brother was about to send someone via XXXX XXXX for {$50.00}. Because of this ad, I explained it to him and he decided to use worldremit ( with my enrollment code XXXX ) and send {$100.00} solely because of the advertisement promise. We were on a phone call as he proceeded to process this transfer. Upon his attempt to enter a " promotion code '' at the end of the payment, where it asks for a promotion code, he used the exact code provided to me, XXXX. The response was " not a valid code ''. Therefore I proceeded with a 3 way call to their published XXXX number XXXX XXXX XXXX. The recording was ... .IF you have a transaction code enter it. If not ... then go to the website and proceed with communication there. We had no transaction code. So I told my brother to go ahead and I would call immediately AFTER we had a transaction code. AFTER the transaction was placed, I obtained the transaction code from my brother. I immediately called worldremit to obtain the credit they had promised. All they would do is blame my brother and I for " not following correct procedures ''. We attempted all we could do - including calling them during the transaction. Their process does not allow any assistance in the transaction, yet they are unwilling to provide support, or to remedy the situation later. In retrospect, from a consumer point of view, this is a foreign company preying on US citizens, offering {$40.00} rebate ( between 2 parties XXXX on a {$100.00} transmission. Seems they intentionally have a marketing initiative, sending emails to prior customers, and not intending to pay what they promise. After more than 30 minutes down this rabbit hole of trying to make this transaction work, my brother sent the money - and I had SOME confidence I could later make it right. I think this is what worldremit intends and is the marketing strategy they think they can do here in the US to gain more business. I hope your department will stop their practices and make them more accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: FL

Complaint narrative:
I send out a dispute letter to all there credit bureau TransUnion, XXXX, and XXXX  to verify all the information that i think are incorrect and wrong i am exercising my rights under fair credit reporting act i gave them 30 days to response and no answer so i want the items to be removed and deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: FL

Complaint narrative:
On XXXX/XXXX/20 I sent in a dispute for inaccurate information reporting on my TransUnion Credit report, and a following up request about the dispute on XX/XX/20 for the following accounts showing that I owe the following amounts {$2000.00} {$5400.00} {$4600.00} {$1800.00} {$2500.00} They have failed to respond to the dispute within 30 days or mark these as disputed. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau. This is a serious error in my reporting and according to the FCRA TransUnion has violated my rights as a consumer and Im requesting legal action to remove this account 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 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have spent over 6 months trying to simply cancel an Experian credit reporting service. They have NO way to do it online, or even options to call them. I had to XXXX the hidden email and phone line to get the proper places to request the cancellation of the monthly approximate {$40.00} fee. I sent a request to cancel by email about 4 months ago with no response. Calling the XXXX number puts you into pre-recorded options does not allow you to reach a representative or cancellation option. I consider this service to be predatory in how they manage this.

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