vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have noticed UNAUTHORIZED inquiries on my report or I noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these UNVERIFIED & UNAUTHORIZED items MUST be REMOVED!! Below is a list of all of the accounts and the dates at which they where UNAUTHORIZED. 

XX/XX/XXXX/MAIL XX/XX/2020 XX/XX/XXXX XX/XX/2020 XX/XX/XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020 XX/XX/XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020 XX/XX/XXXXXX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello. my information was stolen from me as evidenced by my credit report and score I never needed my credit so I never paid attention to it. Now when I am about to purchase a house, I saw all the negative accounts on my credit report. I contacted the federal trade commission and have attached all my documents the federal trade commission told me to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I use the Cashapp to send money to friends and make occasional purchases. Sometime between XX/XX/XXXX - XX/XX/XXXX there is money that was sent to me and my balance reflected that. Mysteriously the balance was lower without any transactions. I tried to call Cashapp but there is no phone service available. I started several emails to ask where the missing funds are. I was sent a statement from them which outlines all incoming ( + ) and outgoing ( - ) transactions as well as a beginning and ending balance. The statement itself reflects that there is, in fact, missing monies of {$1100.00}. I have tried to figure out what exactly happened, but I can not pinpoint a specific transaction and I have attempted to guess. The company is slow to respond and has automatically closed several of my emails after 3 days without trying to reach me. I have been contacted by several different account specialists always changing during the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are numerous accounts and inquiries listed on my credit report that I have no knowledge of. This was not initiated or authorized by me and was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been enrolled in a Payment Safeguard Program from Citi Bank without my content. I have never enrolled in such program nor agreed to via telephone or written.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have noticed UNAUTHORIZED inquiries on my report or I noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these UNVERIFIED & UNAUTHORIZED items MUST be REMOVED!! Below is a list of all of the accounts and the dates at which they where UNAUTHORIZED. 

XXXXXX/XX/XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020XX/XX/XXXXXX/XX/2020XX/XX/XXXX XX/XX/2020XX/XX/XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020 XX/XX/XXXXXX/XX/2020

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 2020-12-12 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint loan servicing took over loan # XXXX XX/XX/2020, and reported the loan 30 days delinquent as of XX/XX/2020 to XXXX Which violates the 60 day RESPA period. I disputed this with Shellpoint without resolution, then I disputed the report with XXXX without resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank has failed to process my mortgage payments timely and claims I owe them {$52.00} due to their error. They threated to report me to credit bureaus because of their mistakes and failure to process my payments. They are horrible!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
I brought a XXXX car in XX/XX/2019 in Maryland for XXXX and the interest rate from Ally Auto Finance was 12.99 % for 84 Months. I have paid so far 16 payments for total of {$9700.00}. I paid {$6900.00} in interest. I still owe {$30000.00} and I will end up paying over {$51000.00} for a car that today is only worth {$18000.00} according to XXXX XXXX XXXX. I want to know if $ 12.59 % interest on {$33000.00} should equal {$17000.00} over 84 months of payment. how are they calculating it and is it legal to do it the way they are calculating it Call them a number of time and could not get a good explanation.

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 2020-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a Care Credit Card. Ill be paying these card religiously since become open. 
Still the account does not go down. 
{$2400.00} dollars card, paid {$800.00} already, card still the same amount. I contacted Customer Service, I spoke with Supervisor XXXX ID # XXXX and she threat me 4 times to hang up the call, when I wasnt using any profanity. Because I work Customer Service myself, so I know how to conduct myself. I asked how many late fees I had because I really dont know by XXXX the due date, because they never sent me text alerts, which I chose for, and she said one in XXXX.. I asked can you waive that charge? As one time customer service..She asked me why? I work Customer Service.. I know how this work. I told her because I forgot to pay, I dont have clear the dates.. 
and she told me : you knew. She can not tell me that I knew because she did not know what I remember or what I forgot. I asked for another supervisor, no was available, I ended up hanging.I always pay late because I dont have an alert for this, they charge me apparently just one time, of course if they are ripping me off with the interest. {$50.00} dollars monthly like I owe {$5000.00} dollars, not even my XXXX XXXX loan.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello. my information was stolen from me as evidenced by my credit report and score I never needed my credit so I never paid attention to it. Now when I am about to purchase a house, I saw all the negative accounts on my credit report. I contacted the federal trade commission and have attached all my documents the federal trade commission told me to do.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: KEYCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I began to receive credit card collection phone calls from KeyBank, XXXX for a KeyBank credit card account that was not mine. I was told that a credit card had been issued using my credit in XXXX for someone living in XXXX, OH, that no payments had been made for three months and that a payment of {$570.00} was due in a balance of {$9200.00}. 

I said that this was likely a card issued to my ex-wife who lived in XXXX up to her death on XX/XX/XXXX. I indicated, and later emailed the divorce decree to KeyBank, that we had been divorced in XXXX and that the decree, signed by both, specifically prohibited either of us from using the other 's credit. I also said that I had not been an Ohio resident since XXXX, XXXX when I purchased a home in XXXX CA. The KeyBank representative verified only that the non-payments on the card coincided with the time period after her death. I was told to fill out a fraud affidavit which I did. 

In XXXX, KeyBank contacted me again and said that the credit card actually originated in XXXX, XXXX and that the debt was mine. i stated that this was the date on which I originally initiated a banking arrangement with XXXX XXXX  ( later acquired by KeyBank ) and asked for evidence as follows : the credit card number, in whose name cards were issued, where cards were sent and proof that I had authorized my ex-wife to use my credit subsequent to the date of our divorce. KeyBank has refused to give me any proof of anything including refusing to tell me the credit card number, saying only " the credit card number is on the statement we have sent to the billing address in XXXX. '' Since approximately XX/XX/XXXX, I am told that my fraud claim is being re-reviewed by KeyBank. After almost three months with occasional collection calls, no action is forthcoming. KeyBank personnel refuse to communicate via paper mail or email so I have nothing in writing from them. I am only able to send written documents to a general mailbox. I have provided KeyBank with all written information it has requested. 

My credit reports with the three credit bureaus now show a 6 month delinquency on this account. My credit rating has plummeted and I am no longer eligible for any loans. I have disputed the inclusion of this credit card with all three bureaus, including sending them the divorce decree, with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase opened a company account for a company I used to work for. I never personally signed for the account. 
I have requested a copy of the contract with my signature for nearly one year and they have refused to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have had a XXXX store card for twenty years. Their products have fallen in style and quality in the last 5-10 years so I have not had much use for it in recent years. When I was using it regularly, they did not seem to be engaging in fraudulent activity. However, I used it recently and paid my balance in full a day before the due date ( which they scheduled on a Saturday ). My bank shows the payment made on that Friday. They charged me interest and late fee on the paid in full balance. I called to inquire as to why they would do that on an early payment and they informed me that unless I make the payment on their site, rather than my banks billpay, they do not credit for 48 hours if made on Friday. My understanding was that if they choose to make their payment due on a weekend, they must accept the payment on the weekend. That is really beside the point though, because the payment was made, electronically, on Friday. They credited the late fee and interest after my angry call, but as they seemed to assert that this is their standard practice, I thought they should be reprimanded, especially during a pandemic. I know the company is likely struggling, but this is not the way to make money. Images attached show date of payment vs date of credit, 3 days later.

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 2020-12-12 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: CA

Complaint narrative:
XXXX loan servicing took over loan # XXXX XX/XX/2020, and reported the loan 30 days delinquent as of XX/XX/2020 to TRANSUNION. Which violates the 60 day RESPA period. I disputed this with XXXX without resolution, then I disputed the report with TransUnion without resolution.

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 2020-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
XXXX XXXX provides casualty insurance payment and repair verification for Freedom Mortgage ( FM ). No problem here, lots of companies use third-party contractors. 

What is a problem is that they fail to disclose their relationship with FM - that they are a contractor. Compounding this deception, when queried, they will not disclose that they are in fact not a department of FM, but rather a contractor. 

It is axiomatic in the financial world that you must know your counterparty. Here we have a company - XXXX - with annual revenue of XXXX XXXX Dollars - concealing their true identity. Quote from today 's conversation at ~XXXX XXXX. 

" We are the insurance claims processing department for Freedom Mortgage '' Financial fraud is insidious - particularly in my age group XXXX+. 

XXXX XXXX and Freedom Mortgage should both be required to disclose the entity with which the consumer is dealing with. Anything less is an invitation to fraud.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I sent letters to Experian and XXXX  regarding inaccurate and unknown things on my credit reports to Experian and XXXX. To this day over 30 days later. I have not received a response at all. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it states that, failure to investigate these items within 30 days and gives a reason to immediately remove those items from my credit reports. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to stress you have caused me. My information may have been impacted by the XXXX Data Breach and may have gotten in the wrong hands.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Since Experian prefers to have multiple federal investigations opened on their incompetence in protecting consumers that will ultimately result in a substantial lawsuit against them, the following consumer statement is requested to be placed with the fraudulent credit card account that was reported to Experian, as well as local, state and federal law enforcement after my identity was stolen : PERSONAL STATEMENT TO BE ADDED TO XXXX ACCOUNT LISTING : *Submitted Police Reports prove that this account is fraudulent.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian Credit Report has many Credit Items, Credit Accounts, Credit Inquiries, and Personal information that does not pertain to me. I can't get a person at Experian to help clear this up.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
XX/XX/2020. Remaining balance {$430.00}. Wvery time I would call Chime the automatic voice response would tell me my account was closed and hang up. I found an email, emailed them got a reply with nothing but articles. Not being direst as to why my account was closed. Was about to reach a rep through a friend calling and they still were unable to tell me directly why my account was closed now I am out of {$430.00}, with bills that are due and kids to take care of. Every dine I had was in my Chime account, now I don't have access to any of my money that I work for. Highly XXXX

Company response to consumer: Closed with explanation