vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XXXX XXXX this credit card was paid in full. The credit card company charged an interest fee on a {$0.00} balance which went unacknowledged and turned into 2 late fees. The company stated they would remove the late notice from the credit bureau but never did and again charged another interest fee on a {$0.00} balance. Due to this issue, I again asked them to remove the late notice from the credit bureau and to close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: TX

Complaint narrative:
On XXXX, XXXX XXXX, I received three ( 3 ) phone calls during the day/night. 
It was the same voice saying he was from Amazon with a charge for {$720.00} charged to my Amazon account. He asked me to get on my computer, which I did not do. I hung up on his call. 
From my phone, I have these details : Name of caller [ 'pfisher ' ] : XXXX XXXX His phone # showed XXXX. 

After this third call, I got on my desktop and called Amazon Customer Service/Security and talked to XXXX XXXX . 

Short recep : as of XXXX XXXX, my Amazon account is closed/locked/suspended. Today/XXXX XXXX, I received a new credit card from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ONEMAIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I AM REQUESTING COPIES OF ALL XX/XX/XXXXDEEDS GENERATED BY XXXX XXXX XXXX XXXX  XXXX OPTION ONE XXXX OCWEN DBA PHH MORTGAGE FOR PROPERTY LOCATED AT XXXX XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM ATTACHING COMMUNICATION FROM OCWEN 'S CONSUMER ACCOUNT ANALYST WHO APPEARED TO HAVE IN DUAL ROLES XXXX XXXX  WHO'S SUBSIDIARY IS OCWEN. HE STATED THERE WERE BASICALLY NO DEEDS FOR XX/XX/XXXX. APPARENTLY, DOCUMENTS WERE DELETED FROM THE SYSTEM. 
ALSO, WE RECEIVED NO LOAN AND THE ACCOUNT NUMBER NOTED WAS SELECTED FROM A BATCH OF FRAUDULENT ACCOUNT NUMBERS PREVIOUSLY AND CURRENTLY BEING SUBMITTED TO US. THIS IS WHY THERE WAS A NEED FOR AN INVESTIGATION. NO INVESTIGATION COVERS UNCLEAN 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 2021-10-06 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: WI

Complaint narrative:
In 2020 when i noticed this account on my credit report with TransUnion i disputed but TransUnion back then never removed it. because in the initial investigation XXXX  XXXX XXXX and XXXX XXXX couched up evidence to convince transunion it was my account and that it wasn't identity theft or that it wasn't fraud and that indeed i wasn't a victim. 
now today after its still remains on my credit report i reach out to transunion again in the midst of disputing other inquiries and charges i brought this on e up. they told me i have to get a letter of deletion from XXXX XXXX/XXXX XXXX in order for transunion to remove the regular inquiry that i dont recognize from my credit report. so I was hoping that cfpb could enforce that.

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 2021-10-06 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: Synovus Bank
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on FSTPROGRESS ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
There is unrecognized inquiries on my credit report which i didnt authorized. These inquiries is showing as hard inquiries on my credut report on XXXX only. 
An inquiry was made to best buy through Citi bank on XX/XX/2021 and XXXX XXXX XXXX XXXX XXXX XX/XX/2021. 

I disputed these inquiries with XXXX to get them off my credit report. The result that came from their investigation was for me to contact the company who reported those inquiries. 
I have contacted both these companies, they both have nothing on file that i was trying to request credit or opening an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I XXXX XXXX XXXX been reaching out to the 3 major consumer to inform them of XXXX XXXX XXXX XXXX illegally is coming after me for some alleged debt. Which they did not write me 5 days in writting before furnishing my consumer report with this information, which is a violation of 15 usc 1692g. Secondly, they are furnishing information in relation to my medical transportation in the ambulance, on a public consumer report. This violates 15 usc 1681 permissable purpose, as they didn't get my written permission. They also didn't have a HIPAA when I asked and they stated so on a recorded line. 

Please look at the exhibits to see the violations I have received via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: PA

Complaint narrative:
I have contacted this listed Agency ask for proof of validation. It's been more than 30 days and no response. I have no knowledge as to why this company is appearing on my report. I have informed them they are reporting non accurate information that is very harmful and at this point offensive. 

Account Name : XXXX/XXXX  XXXX  Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$620.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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:
I have contacted this listed Agency ask for proof of validation. It's been more than 30 days and no response. I have no knowledge as to why this company is appearing on my report. I have informed them they are reporting non accurate information that is very harmful and at this point offensive. 

Account Name : XXXX/XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: GA

Complaint narrative:
I have reached out several times with attempts to get accounts on my credit that are not mine. I have reached out again to those companies and cant get anywhere. Some of the accounts did come off but there are some still remaining XXXX, XXXX, XXXX XXXX  XXXX, and XXXX XXXX. I really need some help this because Im doing this on my own behalf. I have already reached out to the FTC and filed a complaint.

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 2021-10-06 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX . Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2021 I logged into my Bank of America account to find that my checking and savings account were both missing with a combined amount of {$32000.00}. 
I spent the next 12 hours on the phone, on chat and even at the local branch trying to get answers. All they tell me is its in the closing process and it takes a certain amount of days and you will get a letter in the mail with more info. 

All my paperless statements are gone. I have pending chargebacks that they wont tell me will happen with. They refuse to tell me anything and have reverted to snail mail when all they ever do is badger you to go paperless for all your statements and pay your bill online in seconds. But when its time 6l give you your money back its horse and buggy time.

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 2021-10-06 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: Opportunity Financial, LLC
State: IL

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on OPPITY FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
I had a terrible experience trying to refinance with this company. The loan officer was more interested in locking in my rate and collecting my deposit, {$500.00}, then trying to help me understand the process. They made extremely unreasonable statements about the timeline, closing in 15 days ( current industry standard is 30-45 days ), having an appraisal innated in 24-48 hours ( didn't hear from the appraisal company for 6 days ) and promised quick and easy communication ( after finalizing the deposit I never heard back from the loan officer unless they were contacted by a third party ). When promised communication and timelines failed I called the company directly to cancel my application and get my deposit reimbursed. Even after telling the customer service I no longer wanted to receive communications from the assigned loan officer I was immediately contacted by them because they were notified of the complaint. Mind you I had tried to contact the loan officer directly through many different means prior to filing a complaint and and canceling the application. My request was ignored and the process continued with the same behavior. Poor communication and the only getting responses if communicating through a third party. I was naive to believe the loan officer and commit a deposit not understanding that it is not an industry standard practice. After contacting multiple other refinance companies I found that their rates were not as low as I was led to believe and that their are much better options available then what they presented to me. After deciding my best option forward was to work with a different company the loan officer contacted me and asked why I had stopped complying with their process. I informed him that I decided to go in a different direction, he made no attempt to make good on his promise to match rates. Not that I wanted to work with him any longer. But I was informed that the only way to get my deposit back was if they could not match a rate another company was offering .... 

I would really like to get my deposit back but my review is more a result of the terrible customer service I received than it is from loosing out on my deposit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: IL

Complaint narrative:
hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX. Transunion has me at a score around XXXX. That is a huge difference. Transunion paints me as a XXXX. XXXX  XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter

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 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ERC ( Original Creditor : 11 XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: OK

Complaint narrative:
I called TransUnion today and told them that I didnt recognize a inquirys on my report. They stated that they couldnt remove them. Ive sent them letters in the past. And Ive called them in the past.. they dont take us consumers seriously anymore.

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 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. The XXXX and XXXX Credit Bureaus had their record-keeping been accurate, and no complete proof of payment history was provided. The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I was charged {$12.00} for an account maintenance fee however Aspire re-opened my account after I filed my last Complaint because they closed my account in their error. My account was reopened however Aspire failed to actually activate my current credit card therefore I haven't had access to use the actual Aspire credit card for the last 30 days. I called and spoke with the CSR and she stated even though she sees that I didn't have access to the card for over 30 days she could not waive my {$12.00} account maintenance fee. 

I was also charge a {$60.00} annual fee however due to Aspire closing my card for over 60 days at no fault of my own. I have not continuedly had the account for the last 12 months again due to no fault of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On or about XX/XX/2021 AMEX Serve was sent {$1400.00} from the 3rd round of stimulus payments on my behalf from the IRS, however no correspondence was ever sent to me directly, thus allowing me to activate the card. It has taken a few months to track down the correct information and several attempts have been made to Serve but the customer service is very subpar compared to the normal customer service that other more prominent AMEX products gleefully enjoy daily. I have filed my trace with the IRS and hope to get resolution with 4 to 6 weeks it that. AMEX does have a fraud department but from my current research there isn't such department for Serve products. The call tree is useless in trying to reach a live person and when I finally did it was mostly foreign accented individuals that eventually disconnected the call or didn't have the correct information or unwilling to offer adequate assistance in resolving my issue. The account information given to me by the IRS was verified with someone at the Utah location and a second phone call was attempted to confirm that if the trace paperwork was received. No confirmation to date had been verified. AMEX must raise the standard for customer to reach a live dedicated team to handle these types of issues with fraud with Serve products especially with the raise in fraud cases and the ease of compromising the information and delivery of a card to taxpayers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding
State: FL

Complaint narrative:
On XX/XX/2021, spoke to my Mortgage company about a forbearance due to XXXX XXXX XXXX XXXX XXXX XXXX  for 3 weeks and needed a payment for this month deferred because we are low on funds. The Agent took like a credit application and said we do not qualify because we don't have enough money coming in!! Isn't that what a forbearance is? To help people get back on their feet? This made no sense to me when that's why we asked for a payment to be deferred. If we had the extra we could pay it!! Now they denied us we had to take money we don't have and pay it then try to live!! I have never heard of a Company doing this practice! Take a credit application for deferring a payment. Then deny us when that's what a defer means, to help people get back on their feet!

Company response to consumer: Closed with explanation