vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
On XX/XX/2020, I XXXX XXXX attempted to usemy CapitolOne Platinum Credit Card ( Last XXXX XXXX ) with XXXX  to purchase {$2000.00} K of XXXX and XXXX XXXX. I receive a message from the website that it was denied by the Financial Institution, CaptiolOne. I contactedCapitolOneManagement. I explained to them that theres nothing in my contractstatingIcannot purchase foreign currency or cryptocurrency. The platform is similar toXXXXwhich is allowed and has the same level of risk with daily value. They did not give a specific reason for denial, nor did they say that it was in conflict with the law, but referred me to the contract. I asked for specific paragraph and line but was denied. I stated that this a service and finish good that meetsthe standard for Sarbanes Oxley ( SOX ), meaning it meet fair businessand accountingpracticesand General Accepted Accounting Practices ( GAAP ) criteria. They stated that I was correct but elected to deny the transaction. I did let them know that most financial business are not particularly liking XXXX based on the model. It is more desirable for the consumer eliminating fees, thus cutting into their bottom-line. The attempt to not allow me to purchaseXXXX XXXX or any other medium, is a conflict of interest. I ask for copy of my complaint. I was rebuffed as I asked, but they stated it would be denoted in my file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: CA

Complaint narrative:
I sent a letter to all 3 bureaus concerning my credit report. It's been over 60 days with no response. This is a violation under the FCRA pursuant to 15 USC 1681i. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. You are in violation of the FCRA! I demand these accounts be deleted immediately from my credit profile!

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 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to all 3 bureaus concerning my credit report. It's been over 60 days with no response. This is a violation under the FCRA pursuant to 15 USC 1681i. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. You are in violation of the FCRA! I demand these accounts be deleted immediately from my credit profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a bank wire transfer from an investor for my business of XXXX. I only had my account for a few weeks but when I opened the account they told me it was fine to receive the transfer. Yet they closed my account without notice and no explanation to why. I set all my business transactions with this bank and I cant get any info from no one! They only told me it will take 7-10 business days to close my account and 3-5 business days to send me a cashiers check! WTH is going on!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
I noticed a drop in my credit score and found that this company COMMONWEALTH FINANCI added ( 2 ) New Debts to my credit report reflecting as an open dates of XX/XX/XXXX ( 2 mos ) and XX/XX/XXXX ( 11 mos ). I have not resided in the State of Florida for over 3 years. I have not visited a medical facility in Florida since moving. This can not be my debt based on the " OPEN '' dates of this debt. Statute of Limitations and FCRA limits the time a debt can be collected or reported based on the " OPEN '' date of an account. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I began a mortgage application approximately XX/XX/2020. 
I submitted all paper work approximately XX/XX/XXXX. Over the next few weeks I had phone calls and emails with my loan officer saying my documents were all good and my loan was going through the system. We had a conversation that my rate was locked, my loan was in underwriting. All was good. THEN, XXXX XXXX contacted me XX/XX/XXXX ( SHOULD be closing any day ) and said he was ready to " start " my loan application saying I had not previously actually done an application and if all goes we could possibly close in 30 to 45 days. I of course panicked at the thought of being homeless. What would I do? 
I got the money to complete the purchase from my XXXX and the sell of then current home. Repairs and upgrades needed in the new home would not be done. I have a leaking basement, badly need insulation in the floors as well as incomplete floors. I'm afraid if I can't finish the flooring it will damage what work we have done. 
I have over an 800 credit score, and my debt ratio is well within the means of the loan I was obtaining NMLS # XXXX XXXX XXXX has impacted me negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I applied to refinance an existing mortgage with Bank of America. I responded to questions from the Primary Originator explaining what I desired to accomplish in the way of terms for the refinance, including the fact I do not escrow property taxes or insurance. I was told starting the refinance required payment of a credit report fee of {$28.00} which was nonrefundable and an appraisal fee of {$860.00} which was refundable any time prior to the occurrence of the appraisal. I submitted all requested documentation. During the process I received 3-4 Closing Disclosures which began to create concern as well as recurring requests for additional information which became burdensome. At a point prior to the appraisal I suggested the process stop and the {$860.00} appraisal expense I paid be refunded at which time I was told it was too late to receive a refund. I acquiesced continuing to provide the information / documentation requested and allowing the property appraisal to occur. Approximately 1 week prior to closing I was informed Bank of America intended to collect {$10000.00} to escrow property tax. I explained this was unacceptable and I had stated early in the process I do not escrow taxes. The response was that Bank of America requires the escrow of the taxes. A few days prior to the closing date I received two Closing Disclosures both dated the same day and were virtually identical other than section F. Prepaids and the section Calculating Cash to Close ; result being one Closing Disclosure stated {$1600.00} To Borrower and the other Closing Disclosure stated {$8300.00} From Borrower. A telephone discussion with the Primary Originator one day prior to scheduled closing resulted in my being told I would have to pay the {$8300.00} at closing. At that point I requested cancelling the refinance. Bank of America personnel were misleading, dishonest, and perhaps operating fraudulently and the process as a whole was confusing.

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 2020-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In XX/XX/2020 I did a review of payments on my 72 month loan and found I have made 74 payments. I mailed a dispute letter on XXXX XXXX which they received. I gave them two weeks without a response. I tried to call and kept getting collections and transferring to customer service was no help. I keep getting collections calls. I finallyam fed up with no response and contacting you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TX

Complaint narrative:
Close to XXXX XXXX was taken from me from someone having my personal information and using a bank account to receive unemployment benefits from beginning of XXXX to late XXXX I have contacted this bank stated that I did not do those transactions and dont even live at the address the bank account was opened under its in totally different city and zip code as well as the transactions only being atm withdrawals no other transactions I think its ridiculous I have made dispute form sent it to the bank and I have even sent them a police report stating the incident with the best information to my knowledge either the bank doesnt believe me or they are just trying to play me like a fool and not doing their job as a bank to thoroughly investigate before giving a no error status I have been dealing with this since XX/XX/XXXX and no one seems to want to give my money back even though it says my money is FDIC insured up to XXXX but they cant see that someone used my identity to get money that wasnt for them and had access to the bank account as if they were me. I have been able to recover access and get back into account and use card normally but thats after a few weeks of calling back and forth to get a response I dont believe the bank is fully investigating and they are just assuming what they see is correct but do they not understand this is a pandemic and everyone is trying to get money these days including stealing peoples info and getting things that they were not supposed to get similar to my situation. I desperately need this dispute to be resolved I have a family and bills and so much stuff to handle I cant keep dealing with this stress making it harder not knowing if Im gon na get my money back or not

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 2020-12-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax switched their platform and it caused my credit score to drop over 100 points. I have called and asked for it to be fixed and to be resolved. Nothing in my credit has changed for the worse. It has only gotten better. They said that I can not dispute the credit score. I told them that that is ridiculous. That their switching over to this new platform has dramatically changed my score and there has to be a department that is handling that. The technology department that caused the change or managerial department that is handling these disputes. She said there is nothing and continued to tell me I can't dispute the credit score. 

I would like something done about this. They have harmed my credit when in fact it should not be changed. 

I would appreciate if someone in your department looked into what happened at Equifax. They also said that the other 3 major credit reporting companies are using this model and they too changed my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX AMERICAN EXPRESS Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26 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: PR

Complaint narrative:
On XX/XX/2020, I submitted a dispute with Transunion regarding my mortgage loan ( # XXXX ) with XXXX XXXX ( XXXX XXXX ) due to the fact my credit report reflected that I have missed 3 payments as of XX/XX/2020. However, back in XX/XX/2020, I requested to defer my mortgage payments based on the Cares Act for two months. Then, I extended the deferral for an additional month totaling 3 months. In XX/XX/2020, I started paying my mortgage as usual and on XX/XX/2020, I electronically signed the payment extension document establishing that I will pay those three months at the end of the mortgage. However, for my surprise, my credit score changed and decreased 121 pts establishing that I have missed 3 payments ( Exact amount of months deferred ). In addition, written conversations were held with XXXX XXXX Personnel were they communicated me that in effect I signed the payment extension and that my account was not properly classified. My credit score was fixed as of XX/XX/2020 to properly include that I haven't missed any payments. Nevertheless, as of XX/XX/2020, my credit score once again reflects that I have missed 3 payments. This situation is putting an additional burden on me as a consumer because I have to be in constant communication with a Bank that is clearly violating the Cares Act disposition, which states that " If you were current on your mortgage when the CARES Act forbearance was granted, your mortgage servicer is required to report your account as current during the forbearance period to the Credit Reporting Agencies. '' XXXX XXXX clearly is affecting my credit based on misleading records. Please advise regarding this matter.

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 2020-12-26 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: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
On XX/XX/XXXX an accident rendered my car a total loss. I was in the 4th year of a chapter XXXX bankruptcy at that time. In XX/XX/XXXX payment of the total loss ( roughly {$8100.00} ) was remitted to Prestige, the lien holder. When I called to verify the payoff in XXXX, they denied having it. Under my chapter XXXX plan, the amount owed ( roughly {$6000.00} XXXX was less than the payment remitted to them. Shortly thereafter, Prestige initiated a GAP claim without my knowledge for the amount of the loan which would have been due outside the bankruptcy. They provided all information requested to that company. When I became aware, I questioned them about it and in XXXX they allegedly canceled the GAP claim. I don't know if this is true, but they would have been paid again if not. If it was legal to proceed in this manner, why did they not receive compensation and leave me alone? In XXXX, they requested to be removed from the bankruptcy provisions and to be allowed to accept the payoff. It was granted, months after accepting/holding payment for the loss. To date, they are reporting the account as open with a balance of {$11000.00} with a payment made in XX/XX/XXXX. This is all false. How are they able to circumvent the chapter XXXX, file a claim using my personal data, keep the money and still claim the original amount while reporting on my credit bureau reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I was a victim of identity theft that started in XXXX and discovered in XXXX. There were a number of accounts that were opened in my name without my knowledge. After the identity theft was discovered, the police was notified and an investigation was opened in XXXX County Illinois. I checked my credit report when I discovered that most of my accounts were compromised and significant fraudulent charges were placed on my existing credit cards and new online loans were opened in my name fraudulently. 
I contacted all my credit cards providers and was able to resolve the situation where they closed the questionable accounts and work with me to fix the situation. 
My complaint is with one credit collector by the name of NCB Management Services that has not been responding to my request to remove the collection report that they are continuously reporting on my credit report ; this causes my credit score to be negatively and severely affected ; this has caused a significant affect on my financial reporting and has caused hardship due to the fact that I am unable to receive a mortgage to buy a home. 
I contacted NCB Management Services and they are refusing to remove the inaccurate and fraudulent report from my credit report. They were not able to prove that the alleged debt is mine ; they keep sending me generic paperwork that does not prove that the debt is mine and they are unable to ascertain that the debt is mine. Anyone with access to a computer and my information could have easily applied and received the alleged loan. 
I am kindly requesting that you contact NCB Management Services and help me to resolve this matter as quickly as possible and force them to remove their account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed my original complaint with Consumer Financial Protection Bureau XX/XX/2020. Experian answered with a letter XX/XX/2020. Your instructions specifically told me to only give my name-address-amount in question & phone # for contacting me. I did that. Beginning XX/XX/2020 I started to receive phone calls, and text messages from phone numbers that my cell phone listed as SCAM RISK High. Every one of the calls and texts referred to my financial difficulties, and most of them had the exact amount XXXX {$3100.00}. ) that I gave you in my complaint. 
Obviously, Experian is selling people 's personal and confidential information to hackers. Who then try to obtain SS # s date of birth, etc. As a government agency, it is your responsibility to protect citizens and their info. Experian should be fined or arrested for selling peoples confidential information!! 
These credit report companies only interest is to obtain SS # -DOB which they then sell to highest bidder. My original complaint # was 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 2020-12-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
They helped me with my payments however I ni can not log in. They deleted my email and phone number associated with the account so I can't get the text or email code in order to make my payments online. They're are doing everything they can to make me late, hit my credit and get late fees. This is absolutely not okay. We've had nothing but issues with this horrific company. I have cards through them for XXXX, Victorias Secret, XXXX and XXXXXX/XX/XXXX that they have done this with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-26 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: MD

Complaint narrative:
On XX/XX/XXXX an accident rendered my car a total loss. I was in the 4th year of a chapter XXXX bankruptcy at that time. In XX/XX/XXXX payment of the total loss ( roughly {$8100.00} ) was remitted to XXXX, the lien holder. When I called to verify the payoff in XXXX, they denied having it. Under my chapter XXXX plan, the amount owed ( roughly {$6000.00} ) was less than the payment remitted to them. Shortly thereafter, XXXX initiated a GAP claim without my knowledge for the amount of the loan which would have been due outside the bankruptcy. They provided all information requested to that company. When I became aware, I questioned them about it and in XXXX they allegedly canceled the GAP claim. I don't know if this is true, but they would have been paid again if not. If it was legal to proceed in this manner, why did they not receive compensation and leave me alone? In XXXX, they requested to be removed from the bankruptcy provisions and to be allowed to accept the payoff. It was granted, months after accepting/holding payment for the loss. To date, they are reporting the account as open with a balance of {$11000.00} with a payment made in XX/XX/XXXX. This is all false. How are they able to circumvent the chapter XXXX, file a claim using my personal data, keep the money and still claim the original amount while reporting on my credit bureau reports?

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