vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 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: Experian Information Solutions 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The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 non-monetary relief
Consumer complaint received 2020-01-31 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: Midwest Recovery Systems
State: WA

Complaint narrative:
I have no idea who midwest recovery systems are. They pulled my credit report without authorization. Scammers? I do not have bad debt or any collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I pay ALL my bills on the XXXX of the month with no problem ( i.e. XXXX, XXXX, XXXX XXXX, Home Depot etc. ). This credit card, Best Buy Credit Services, charges me a LATE FEE of {$28.00} and this time {$39.00} because as she ( Ms. XXXX, Mgr ) put it, " I must pay between the XXXX to the XXXX of the month '' and If I pay " early '' I will incur a LATE FEE. 

Last month they credit me the {$28.00} late fee, this month they say they are unable to credit the {$39.00} late fee because It's the 2nd time that I do not pay between the XXXX & the XXXX. 

This is " unfair '' practice and their way to abuse the " consumer ''. I shouldn't be penalized for paying my Statement within the current month.

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 2020-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
Im using Google Pay to receive rent money from a tenant, after leaving another service, XXXX, for a similar problem. Google Pay company demanded a government ID, so I submitted a copy of my bonafide US Passport Card. I also submitted W-9 information. The website has told me Google Pay cant verify my identity and refers me to support. The support is chat ( s ) and call centers based in the XXXX. First, I have a problem with foreign nationals handling my personal information, especially after the Patriot Act. This is absurd due to all the data mining by the XXXX  and XXXX. No foreigners should be handling social security numbers nor personal data of any kind. Second, none of these XXXX  are capable of making decisions nor resolving anything. GOOGLE makes Americans available when you are paying them for XXXX XXXX but when you need assistance with Google Pay no decision makers nor managers are available to resolve snags like this. Either Google Pay should be upfront and collect information before allowing a transaction to take place or not offer the service at all. Especially when dealing with relatively small dollar denominated amounts. Google Pay shouldnt be authorized to this kind of financial service without offering banking and credentials supervised by the Banking Thrift or Fed. My solution for now is to give me the money that is in process and then be sanctioned for suckering consumers in with free services only to whipsaw them later. They should issue a public apology and be forced to open call centers within the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
Hi my name is XXXX XXXX i was the co borrower on a loan application with my father XXXX XXXX We apply for refinancing in XX/XX/2019 with amerisave mortgage i was pre approve i started the sending over all the request completing there request with in days. I was told i need to pay for appraisal fee so we did after appraisal the broker who was handing the request was removed from the account, i was giving a new loan officer and we started the process all over again four weeks in the process with this new loan officer they inform ed me on a fha loan the co borrower must life in the house i don't life in the house hold only supporting them financially. The next step was to have the loan in my mom and dads name after third attempt they declined loan application saying the FICO score is to low. when the original application was started the credit score was 50 point higher. This is a consumer fraud this company was the cause of the credit score to  decease then decline the loan. 
My contact information is XXXX email XXXX the person I last was working with was XXXX XXXX ph # XXXX his email XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: MN

Complaint narrative:
Experian back in the end of XXXX I had sent in certified mail to your company and also via the CFPB website asking you what was the method of verification on a couple of trade lines on my credit report but Ive never received anything back from your office I was wondering if you could send me copies of the requested information then I had asked for on the following accounts its XXXX  XXXX XXXX XXXX account also XXXX XXXX   XXXX XXXX  XXXX another XXXX account XXXX XXXX also XXXX XXXX XXXX XXXX card XXXX also XXXX  card for XXXX and XXXX XXXX  XXXX I had asked you arm I needed to know the names and the titles of the people that you spoke with at the companies along with a what information that you sent to them and they sent to you and I did request specifically I wanted physical documents not just you know riffraff of what did this or we did that because it draws concerns to me that some of the information on the credit report that shouldve changed did not and it makes it looks like you guys did not conduct an investigation and which Im almost certainly in my mind knowingly that you didnt its the reason why I am requesting this information Per the FCRA you have 15 days to conduct this and like I said I have not received anything from your office and I would certainly be appreciative and if you already done it you know prior to the request you should have a copy of it so if you dont mind just either email and let me to US mail or you could upload it to the CFPB website would be appreciative as well I will be waiting your response thank you Kindly

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 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: CA

Complaint narrative:
I've recently checked my credit report from Experian and I was shocked to see the previously deleted fraudulent accounts were reinserted back to my credit file. The XXXX  XXXX XXXX ( ACC NO : XXXX* ) and XXXX  XXXX XXXX  ( ACC NO : XXXX* ) fraudulent accounts were disputed and deleted in XX/XX/2019. However, Experian reinserted the fraudulent accounts after two months without notifying 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 non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've recently checked my credit report from XXXX  and I was shocked to see the previously deleted fraudulent accounts were reinserted back to my credit file. The BANK OF AMERICA ( ACC NO : XXXX ) and XXXX XXXX XXXX  ( ACC NO : XXXX ) fraudulent accounts were disputed and deleted in XX/XX/2019. However, XXXX  reinserted the fraudulent accounts after two months without notifying 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 2020-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I recently found out that I was a victim of Identity theft. Someone used my personal information to open a loan with XXXX XXXX XXXX about 15 years ago. The current balance is {$11000.00}. I believe this creditor is located in the State of Ohio, where I never have lived. I have been a California resident for my whole life. In addition, I have never received any type of communication regarding this matter. I was never served or receive any summons from the court. I never had a chance to go to the court and defense myself on this case. 

I already filed an ID Theft report and a Police report on this matter. All the required documents were sent to Winn Law Group, current collector, I believe. According to the Fair Credit Report Act, Winn Law Group is supposed to stop all collection activities and dismiss the judgement resulting from ID theft. However, we did not come to an agreement on this matter. Therefore, I'm asking the Consumer Financial Protection Bureau to promptly take action on this serious matter. I'm willing to provide all the proof for this fraudulent case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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 with product or service terms changing
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This account was opened fraudulently I have reached out directly to Santander and was told on XX/XX/XXXX 2020 they responded back to credit bureaus to stop reporting this account but it is still negatively reporting on my report which is preventing me from being approved for different services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I WANT MY REFUND THAT HAD BEEN CHARGED ON XXXX XX/XX/2019 FROM MY PAYPAL ACCOUNT AND THEY ARE SEEMS TO BE FRAUD SO I WANT TO GET MY MONEY BACK AS SOON AS POSSIBLE

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 2020-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
I recently went under contract on a home and was working Guarantee Rate to secure a mortgage. I was disputing a liability that had come up during the process. In response, they sent me, my wife, and my realtor full account numbers for my student loans, my wife 's student loans, and our car loan. This was done without password protection or encryption. I believe that in this case my realtor was a nonaffiliated third party who should not have been given access to this full PII information under regulation p.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-31 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 with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was opened fraudulently I have reached out directly to XXXX and was told on XX/XX/XXXX XXXX they responded back to credit bureaus to stop reporting this account but it is still negatively reporting on my report which is preventing me from being approved for different 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 2020-01-31 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 with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was opened fraudulently I have reached out directly to XXXX and was told on XX/XX/XXXX XXXX they responded back to credit bureaus to stop reporting this account but it is still negatively reporting on my report which is preventing me from being approved for different services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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 with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was opened fraudulently I have reached out directly to XXXX and was told on XX/XX/XXXX XXXX they responded back to credit bureaus to stop reporting this account but it is still negatively reporting on my report which is preventing me from being approved for different 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 2020-01-31 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 2020-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: TX

Complaint narrative:
Ihave received a wire from my bank of the total amount XXXX $ from an investor in my business account. 
They hold the account for review since last Friday the XXXX. 
I need to have access to my funds immediately as its my rights to do so

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 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had two credit cards with Capital One bank ; both were set up on auto-payment and were in good standing for years and years until recently, when Capital One closed my account around XX/XX/2020. 

My auto-payments were tied to my Capital One checking account. Apparently the Retail Bank side of the business recently changed the ABA routing number for my checking account ( sometime in XXXX ). Once the retail side changed the ABA routing number, Capital One apparently started returning my auto-payments. During this process, no one from the bank reached out to me. It was only when I discovered my account was closed did I determine what had happened. This has caused undue harm because the Capital One credit cards were my main credit card accounts and the auto-payment had worked well for me for many many many years. I would like to bank to acknowledge they changed the ABA routing numbers and re-open my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MN

Complaint narrative:
I contacted Hunter Warfield in regards to an invalid debt they are reporting on my credit report. I requested a validation of debt, which after 30 days Hunter Warfield was unable to verify the debt and sent a letter stating they would suspend any debt collection and reporting to the credit bureaus. I received the letter on XX/XX/XXXX and on the same day I disputed the debt with XXXX   who came back and said the debt was still valid, because the creditor was still reporting the debt. I contact Hunter Hunter Warfield on XX/XX/XXXX and they stated they are still reporting the debt. I spoke with a manger at Hunter Warfield who requested the letter they sent me and told me they would look into it. They continue collection calls daily and tell me they are still reporting.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one just put a past due collection of {$330.00} on my credit score. I have not had an account with capital one in over 3 years. I have not even tried to apply for one due to having 2 already in collections.. This {$330.00} account which came to be 4 months ago is not me. Not mine. And is 100 % wrong/faud. And it needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My husband and I attempted to save the account as soon as we realized what was going on. We used the app which used language of fixing the account and signed up for a plan. We then called into the call center which we then spoke to someone over the phone. The person there confirmed that by doing this we would fix the account and could use our cards again and we asked numerous times over and over. We were extremely concerned about the account and in frantic mode. We had another company Ive the same issues and they fixed it all over the phone in minutes. This company told us one thing and confirmed it over the phone and we wanted to throw money at it to fix it then they lie and say its one way to get money faster. If we knew it was just to slow pay it off we would have chosen the slow pay. They lied and deceived us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: IL

Complaint narrative:
I have no acknowledgement about and also im going thru the identity theft as of now. 
Grant Mercantile agency, stating account is XXXX is the place saying i owe them i have no acknowledgement of this debt and never used them and i would like them to stop it

Company response to consumer: Closed with monetary relief