vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$860.00} XXXX XXXX   XXXX {$470.00} XXXX  XXXX {$1800.00} XXXX  XXXX  XXXX {$3500.00} XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$630.00} XXXX XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1700.00}

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 2020-03-05 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$860.00} XXXX XXXX   XXXX {$470.00} XXXX  XXXX {$1800.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$630.00} XXXX XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1700.00}

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 non-monetary relief
Consumer complaint received 2020-03-05 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: OR

Complaint narrative:
I believe I reported this to your bureau already and they initially said the time wasn't completed to allow them to complete investigation and the date kept changing citing new inquiry just like I expect the date to change again and it's been over a year. I allege they are not investigating this dispute they are manipulating the dates. I want them to stop as I was kept from opening a new dispute for another company because this dispute from XX/XX/XXXX. If this adversely affects my credit report they have impacted my report and if this would have affected my positively they have adversely affected my report, I believe they are in violation ( In addition, specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to $ XXXX.XX/XX/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 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase bank claims to have sent a document to verify my SSN around the opening of my account yet have not attempted to reach out in any other way notifying me to expect this document. On XX/XX/20 Chase bank restricted my account which I only found out after going in to the local branch on XX/XX/20 to apply for a credit card. I was informed that I would not have access to my funds at all and to fill out a form that would be sent in wherein my account would be unrestricted in two days with the possibility of it being completed the next day. I signed my name on the document and verified it with the associate in the branch who then sent it off. The next day XX/XX/20 I contact the customer support number and get transferred to the compliance department to check on the status of the application where I was informed that the document was missing information and that I could in fact actually retrieve funds in the interim while the document was being processed if I go to a branch. That same day I leave work early to go back to the local branch and was assisted by the branch manager who had me fill out the form again with all the information this time and was informed that there was still a two day processing time before my funds would be released and that I would have to go to another branch to get the interim funds which would be closed when I arrive. Due to this I had to go retrieve funds the next day. 

On XX/XX/20 I go into the other branch an was able to pull a requested {$50.00} from the account on the branch managers approval. 

On XX/XX/20 I call the customer service number and was connected to compliance again only to be told there is an outage with the system that handles those requests and that my account will not be available until next week XX/XX/20 at the earliest. 

In this time my account was restricted I have had rent due, I have bills pending to be due and likely pending a late fee should they not be paid of which will report negatively on utility accounts and mar an otherwise perfect payment history I have had with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/20 my sister sent me {$5000.00} through a domestic online wire transfer through XXXX XXXX. I use PNC bank and they say they have no record of the transfer and the money has now left her account and is not in mine. There is {$5000.00} just missing. XXXX XXXX is claiming the problem is with PNC and PNC is claiming the problem lies with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DEPTEDXXXX XXXX {$230.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$910.00} DEPTEDXXXX XXXX {$190.00} DEPTEDXXXX XXXX {$120.00} DEPTEDXXXX  XXXX {$460.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$630.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX/XXXX  XXXX {$570.00} XXXX XXXX XXXX XXXX {$650.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chaplain Financial Services LLC
State: TX

Complaint narrative:
I've called the credit bureau and disputed it several times the have said I owe to different amounts and then when I disputed it they sold it to a different company XXXX  XXXX XXXX XXXX XXXX got paid by the insurance company and still was trying to make me pay two different amounts

Company response to consumer: Untimely response
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Received an American Express Gift Card for the amount of {$2000.00}. Began use of card XX/XX/2020, without difficulty ( checking balance each day ). On the morning of XX/XX/XXXX, the card balance was {$850.00}. When I went to use the card later on XX/XX/XXXX, there was only a balance of {$0.00}, ( no purchases made in that time frame ). Called American Express immediately, and was told there was nothing that could be done, since the terms and conditions of the gift card are that there will be no dispute for transactions. When I inquired of where the transaction was made, I was informed of an address of XXXX XXXX XXXX, XXXX XXXX, XXXX. When I researched XXXX, it is in the XXXX XXXX! I was also informed that the transaction was pending. I requested for the transaction be cancelled due to a fraudulent activity. I was told they could not do that. I was informed that I would need to contact the person that made the transaction, and ask for my money back??!! Ironically, I checked American Express Gift Card Customer reviews, and on XX/XX/2020, there was an identical occurence of a {$100.00} gift card, with a fraudulent transaction tracked back to the XXXX XXXX. Also, in the terms and conditions of the American Express Gift Card,  it states that the transactions can only be made in the United States, which this transaction was not. 
Having returned from my vacation, I called American Express Gift Card Customer Service, asking in each conversation to be connected to a higher level supervisor, and alternatively, called American Express Credit Card customer service, for assistance. I was immediately referred backed to the American Express Gift Card. I have spent hours on the phone only to be connected to XXXX XXXX Customer Service representatives, with the same response, " I am sorry, but I can not help you ''. 
This was a tremendous hardship for me, as these funds were dedicated to a vacation, that had be compromised, and funded by a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: MD

Complaint narrative:
I had received a loan from XXXX XXXX/Money Lion for XXXX dollars on XX/XX/2019. The payments of which were XXXX a month. From XXXX until XXXX, the only money that was applied to the loan out of XXXX that I had paid up until XXXX was XXXX. So I called and asked for a break down or statement of what the payments and how much was going to what, with no success. I was told the contract did that. So I had called Money Lion with intent to pay off the loan with some money I was supposed to get, but I did not get all of the XXXX that was the balance. So I called Money Lion and explained I could not pay all of it as I had intended and they informed me that they could not reverse it and would have to reinstate the loan and I would have to wait until after the XXXX of XXXX. When they reinstated the loan in XXXX, they had added XXXX to the loan, taking it from XXXX in XXXX to XXXX in XXXX. I have not missed but one payment, which was in XXXX and they more than doubled what the loan balance was on XXXX the XXXX. Even after paying in XXXX as you can see, nothing is coming off of the loan and the loan has more than doubled for what reason I have no idea. 

This is a list of my payments of which I have proof from

bank statements. XX/XX/2019
XXXX  ; XX/XX/2019 XXXX  ; XX/XX/2019 XXXX ; XX/XX/2019XXXX ; XXXX Missed payment ; XX/XX/2019 XXXX ; XX/XX/2019 XXXX ; I have asked for a statement of payments and monthly balances and they will not give me one and the only thing I can see is what I have taken a picture of and attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I sent my mortgage company a property tax bill on XX/XX/2020 that was due on XX/XX/2020. This bill still has not been paid out and is now 30 days deliquent because LoanCare LLC has not paid it yet. I have called their customer service dept. 7 times and they are not able to put me in contact with the tax department so there has been no solution in sight. I was told today that this request would not be completed until XX/XX/2020 making this tax bill almost 60 days late. At one point I was even told by a customer service agent that the payment was being processed " as we speak '' which I discovered was a lie. This company is holding my escrow money that I pay into and will not disburse my tax payment in a timely manner.

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 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: AR

Complaint narrative:
Supreme Lending is doing a refinance loan on my existing mortgage. Effective XX/XX/20 they terminated employment with my mortgage loan officer who was conducting this refinance. 

The primary reason I was doing this refinance loan was because of the trust and confidence I had in the Mortgage Loan Officer that I had chosen to do this refinance. Since the MLO is no longer employed with Supreme Lending I attempted to have my loan file pulled and reimbursed for the Appraisal Fee I was charged by the bank. 

The loan officer who is now in charge of this file called me today ( XX/XX/20 ) to inform me that we are so close to closing on the file that it would unreasonable to cancel the loan and that the Appraisal Charge of {$510.00} paid on XX/XX/20 would not be reimbursable ( Also found out today that the appraisal charge increased to {$580.00} ). Although they can cancel the loan, they will not be able to reimburse me for the appraisal charge. She also stated that she doubts any other banks would be able to accept the current appraisal. At this point, I could be out over {$1000.00} between canceling this loan and choosing to use another bank. 

- Supreme Lending is not reimbursing the appraisal charge as a tactic to strongarm me into closing a refinance loan with a person I originally did not choose to conduct business with. 

- Had I chosen to roll the appraisal charges into the loan, I would be able to cancel penalty-free. But because I specifically paid for the Appraisal upfront, it is being used as a predatory tactic to keep me from shopping with a new bank. 

- I should have the option to pull out of the loan penalty-free and am asking for my loan to be canceled and that I be reimbursed the {$510.00} I spent on the appraisal. 

Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance Corporation continues to call and harass me about a debt that they have been paid off on through there insurance company plus they are reporting the loan opening dates different with 2 out of 3 of the credit reporting bureaus. Which is a violation of my credit consumer rights in which everything has to be accurate when reporting a debt. An they sent me a copy of a contract that was signed with computer generated signatures that I have never signed even my signature was a fake.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have been in a lot of stress with my credit report. Mid last year, I checked that my credit report had a 'serious delinquency ' mark on my XXXX XXXX credit report. Upon investigation, I learnt that it was because of a credit card issued by Gap Inc. ( Clothing retail company ). The amont was  {$310.00}. I called XXXX XXXX and was able to file a dispute. This was cleared later the same year, a month after I filed the dispute. 

So, I had never used the Gap Inc. casr for any purchases and therefore I beleive they were able to clear it out. 

That same amount then showed up with the original creditor name Synchrony Bank ( XXXX XXXX XXXX ). I got that too cleared from XXXX XXXX. 

The amount still still shows in my XXXX  Credit report and XXXX  credit report. 

I need help in clearing this out. My understanding is that if the Gap Inc was able to signal me green, why has not this been communicated to all the relevant bodies. 

I have not been able to apply and have any credit approved because of this deregatory remark and failing approval cycles has further made my credit look bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a charged-off account with XXXX XXXX XXXX XXXX -XXXX  XXXX. They are reporting incorrect information that is affecting my credit score. The account is charged-off ( since XX/XX/2018 ), and the last reported activity happened in XX/XX/2018. However, EVERY month since XX/XX/2018 to present XXXX XXXX reports me as being 90 days late to Equifax. How can they report me 90 days late on an account that is charged off?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: MD

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5900.00}, {$2900.00}, {$3900.00}, {$16000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my 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 2020-03-05 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: NJ

Complaint narrative:
A few attempts have been made via letters at least 2 to  Equifax, 1 in XXXX and another in XXXX. I also called them and informed them about the accounts and inquiries. One from XXXX and another from XXXX/XXXX. I actually called XXXX/XXXX  with XXXX  fruad department and they help cleared it up on the furnishers end. So they are willfully reporting inaccurate data. They have not gotten back to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DEPTEDXXXX XXXX {$230.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$910.00} DEPTEDXXXX XXXX {$190.00} DEPTEDXXXX XXXX {$120.00} DEPTEDXXXX XXXX {$460.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$630.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX/XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$650.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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