vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Over 7 years my credit balance with American express has been showing that it is {$15000.00} which is incorrect. I have contacted American express in regards to this issue numerous times in the past 7 years. Unfortunately American express never took care of it, at times when I called XXXX they provided me with incorrect information that they have been updating my credit report to the bureaus and it is the credit bureau 's fault that my credit report is not been updated. This is false information, American express has the worst customer service ever. 

I contacted the credit bureaus as well numerous times, and they kept informing me that the information they have is been reported by American express and it can not be updated not until the credit card company ( XXXX  ) send them a new update. American express has been giving me the run around in regards to this matter for several years. 

This is ruining my life, Among other things, I have been denied rental and employment due to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: NCB Management Services Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: TN

Complaint narrative:
I began working with Intercontinental Capital Group Inc. on XX/XX/XXXX on a VA cash-out refinance. Up until today XX/XX/2021 we still have not closed on the loan. Throughout the entire process I've been ask for the same document on multiple occasions, been asked for documents that should have been requested earlier on in the process at very late stages. I've been told on multiple occasions the delay has been related to the cornavirus, not sure how that affects the lending industry, as well as record numbers of applicants applying for refinancing. I've threaten to take my business elsewhere but doing so would erode the interest rate I have locked in with this company, costing me thousands of dollars on top of what this company has already cost me. 
On XX/XX/2021 I received a notice that the title was cleared, it took nearly another week but on XX/XX/2021 I received the clear to close. They finally scheduled the closing for XX/XX/2021, however 30 minutes prior to the scheduled closing received a call from the escrow company stating they haven't received the closing documents and it was canceled until further notice. I still haven't received an update from the mortgage company outlining why this happened or when I'll close. In the mean time, I've now made another current loan payment losing another {$1600.00} in interest that I'll be unable to recoup. This is on top of the payment in XXXX I was told we would close by and the rate creeping up by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: TX

Complaint narrative:
I have a fraudulent account reporting on my Transunion credit file. I have tried to have it rectified with Transunion and they are still reporting the fraudulent file of XXXX 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 2021-03-14 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
My chexsystem report was suppose to be fixed after my bankruptcy and I am still getting denied for bank accounts.

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 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did NOT ask to apply for this card from XXXX/XXXX XXXX XXXX XXXX. However, I was approved for the card on XX/XX/2021. I immediately called the card company on XX/XX/2021, from the XXXX XXXX XXXX that processed the application ( in XXXX, Texas ) -against my wishes and instructions -- to have the application/approval cancelled and also removed from any entry/notation on my credit report. After calling twice that same day, I was told by the 2nd Customer service person I spoke with that it would BOTH be closed as well as removed from my credit history and report. 

However, although, the account has now been closed ( due to yet a 3rd call on the next day ). 

But, the credit account was created and is STILL listed on my credit report although I NEVER requested or authorized this action.

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 2021-03-14 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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Greetings, Paypal has been holding my money for months for no valid reason. I've contacted them atleast 30 times and they refuse to help, or get it resolved. I have told them that we are in the middle of the pandemic and one of my family member is now in the hospital as we speak and I want to help him get the treatment he needs but paypal just told me I can't get my money anymore and I need to wait for 180 days. I have followed all the rules and documents needed but my account is still frozen and I cant get my funds released even in terms of emergency. It is very frustrating to know that I can't do anything about it, it's my money and as a consumer, I want to file a complaint and please help me make an action regarding this and please help me resolve it. 

The email that has been linked to my Paypal account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XXXX-XXXX 2021 my account from Chime bank was hacked and my identity was compromised including funds linked to my credit union bank. Perpetrators used my account changed my email address and tried to transfer funds to an email account. Was able to get back my email address and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/XXXX I was contacted by Bank America fraud department from texting number XXXX about 3 transactions at XXXX on my credit card. I replied to the text stating that I did not make those transactions immediately and followed their instructions to give them a call to protect my credit account. The card number was immediately closed and a fraud claim was filed for 3 transactions that totaled XXXX. Then I received a letter dated XX/XX/XXXX stating that they were denying my claim because " it is consistent with my account history ''. I have made 4 real purchases at XXXX during the whole of year XXXX not 3 purchases for the exact same amount on any specific day. I called again to dispute this claim again. Then I received a letter dated XX/XX/XXXX that once again denied my claim. This time the reasoning provided was that they confirmed that " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who permission to use the card ''. This is not true so I called again and requested to learn how they were able to confirm this and requested that they once again reopen the investigation and provide me with the evidence that they have that proves I made these purchases. Then I received two additional letters both dated XX/XX/XXXX. The first one said that " You requested the documents we used to resolve your claim, but unfortunately there aren't any to send you. '' The second letter once again told me my claim was being denied " Based on your account history, this charge is consistent with the previous charges with this merchant. I am very frustrated because Bank of America was the ones who initially were able to determine that these charges were suspicious when they sent me those text back on XXXX and reached out to me to confirm them and I confirmed that they were fraudulent. But now they are try to claim I did make these charges but won't share there evidence with me other than stating I have a history with this vendor. I like most Americans have shopped at XXXX however 4 times is not like I have a strong history with them. I have a really hard time proving I didn't do something and they have not shared anything with me that would prove or even provide any evidence that I made these purchases and initially on XX/XX/XXXX Bank of America had reasons to believe that these were not my purchases. I would like Bank of America to resolve these fraudulent transactions in my favor.

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 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
I bought a treadmill from XXXX XXXX back around XX/XX/XXXX. I have a XXXX membership I pay monthly to them in the amount of {$41.00} per month. I have set up a automatic payment to them through my bank to be sent on/around the same day every month. Back in XX/XX/XXXX my payment was a few days late due to mail service being behind due to Covid-19. In the result of being late they applied a late payment. I had tried to dispute with no luck. Ever since then my payment of the {$41.00} was sent on time. Ever since XXXX my payment of {$41.00} has been on time but they have every month tacked on another late payment and my bill to date that is passed due is {$330.00} which are all late payments. They sent me to a collection agency TD Retail Card Services back in XX/XX/XXXX and I have sent in 2 dispute letters to them and tried to resolve with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-14 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: Capio Partners, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 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: TN

Complaint narrative:
We were restructuring our finances during the Federal Government shutdown of XX/XX/XXXX - XX/XX/XXXX. We have detailed exactly how we were impacted in two detailed letters ( copies attached ). Most credit card issuers understood our issue and made changes to their data submission. Some didn't even submit a report of delinquent payment to Credit Reporting Agencies. We were told by representatives of this band and our own bank that the shutdown would not affect our credit record. Despite repeated attempts, we receive that standard form response. Their response is a couple of " catch all '' blanket responses to make it look as though they have conducted and investigation.

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 2021-03-14 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: CBC Companies, Inc.
State: MI

Complaint narrative:
XXXX XXXX this company ran my credit without my permission. Which then added a inquiry onto my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Credit Plus Inc
State: MI

Complaint narrative:
XXXX XXXX this company ran my credit without my permission. Which then added a inquiry onto my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Broward Adjustment Services
State: FL

Complaint narrative:
I mailed a certified letter to BAS management stating for proof of the so call hospital or doctor 's office that provided service for a XXXX XXXX. This company email me a bill which is not proof of the hospital/doctor that claimed I had this service done. I do not know of such a service that was conducted in XXXX ( per billing statement ). Also, whomever is claiming this payment never mail me any bill except the bill that BAS management mailed me on XX/XX/XXXX, which is the so call proof. Also, I live in XXXX, XXXX reader is in XXXX. I never reside or visited XXXX for any medical service. Never ... .please assist with resolving this issue. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: ERC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC
State: NJ

Complaint narrative:
I contacted Firstsource Advantage Certified Mail back in XX/XX/XXXX. After signing and receiving my dispute letter on XX/XX/XXXX at XXXX XXXX, Firstsource Advantage FAILED to ever respond back to my dispute letter that they signed and received. 

As a result of Firstsource Advantage ignoring my dispute letter that they singed and received back in XX/XX/XXXX, I have re-contacted the Federal Trade Commission in XX/XX/XXXX and I have filed yet another Federal Trade Commission complaint against Firstsource Advantage LLC. The FTC file # 's against Firstsource Advantage are XXXX & XXXX. My complaints are for the following : -Failing to respond to my initial dispute notice received on XX/XX/XXXX, XXXX USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX -Failed to contact me with a notice that advised me that their office purchased this account and allowing me the right to dispute within 30 days -Failed to contact me at all. Failed to provide me with anything at all. Instead, Firstsource Advantage purchased the account and placed it on all 3 credit reports. I would have never known about their illegal and deceptive practices if I had not obtained a copy of my credit reports -Illegally pulling my credit reports without my consent or prior knowledge, leaving credit pull inquiries.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
I purchase a home I only been here for 5 months and my mortgage company Amerihome keeps increasing my mortgage Im struggling to pay I dont understand my taxes nor have my insurance increased why is my mortgage steadily increasing? They have enough to pay principal and interest and my taxes what is happening This will cost me to lose my home Please help me my name is my mortgage company is Amerihome my loan rate is locked not adjustable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
on XXXX i sent a dispute letter to validate the alleged debt CMRE finance has on my credit report. They didnt respond to my dispute letter, so thats tell me they cant verify it. By law if you cant send me proof of a signed contract, it must be deleted.

As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on your credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief