vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was recently informed of fraudulent accounts on my credit report and these are causing financial difficulties/hardships due to the negative effect to my credit report I have recently disputed other fraud that was detected and the items were removed. However I have just noticed more that recently popped up.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report and found a collections account and multiple inquiries that do not belong to me. I have reached out to the companies involved and am not getting any sort of response. I've had enough patience waiting for them to fix the problem.

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 2020-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
2016 car loan through santander consumer usa under investigation for consumer fraud. Charging customers to much hoping they would default on their loans. 
I am part of the lawsuit because I fall under the terms of the fraudulent loans. 
State of Neveda

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and found a collections account and multiple inquiries that do not belong to me. I have reached out to the companies involved and am not getting any sort of response. I've had enough patience waiting for them to fix the problem.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and found a collections account and multiple inquiries that do not belong to me. I have reached out to the companies involved and am not getting any sort of response. I've had enough patience waiting for them to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have a Fidelity Rewards Visa Signature credit card from XXXX, and I have used it very often because every dollar I spent equals 2 Reward Points. Given this, I would think that I should have a lot of Reward Points now. However, last month, I checked, and I have no more than XXXX points. In my memory, I should have twice that amount, so I checked all of my statements. I found out that in the XX/XX/XXXX - XX/XX/XXXX statement I had XXXX total points available, but in the following statement ( XX/XX/XXXX - XX/XX/XXXX ), I had only XXXX total points available, including the 3,371 points from the monthly earnings. Thus, my points decreased by 450,000 over that month. I called the Fidelity Rewards Visa Signature credit card company at least twice, but they told me that they don't have the records for that time period. 
I didn't receive any email or mail to tell me that my points decreased by 450,000 points, and I'm very sure I didn't redeem the points. Could you tell me where my Reward Points are?

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 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hi Bank of America accuse me of owning them {$570.00} which I told them this might be due to identity theft which the ssn they have on file is different than my ssn number

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 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am currently in Collections with XXXX XXXX XXXX, XXXX. for {$130.00}. On XX/XX/XXXX I was given a gift of a gym membership at XXXX XXXX in XXXX, NJ by a former ex boyfriend, XXXX who lived in XXXX, NJ. The relationship ended because of XXXX  XXXX, I live in XXXX XXXX, NY over 30 miles away from XXXX, NJ. 

During the sign up process, I was told the contract would have to be under my name even though it was a gift and that my ex would be responsible to be the payment provider for the membership fees and monthly dues so we could workout together at this gym in his neighborhood while I stayed with him in NJ. 

It was a very violent situation where I fled for my safety. When XXXX stopped making the payments, I got left with this debt and in collections. At the time I tried to resolve this with XXXX and I was given the run around and told in order to cancel my account I had to go in person but because of safety reasons and the distance that was not an option for me. XXXX and Aldous & Associates are not, and have not been willing to work with me to settle this. 

After realizing that this was on my credit report and that it had never been resolved I reached out to Aldous & Associates on XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX I called to settle the debt and they were not willing to and I was told that there was no settlement option available for me and that is why I am filing this complaint against XXXX and Aldous & Associates. 

I am hoping for a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT BUREAU OF FARMINGTON, INC
State: NM

Complaint narrative:
XX/XX/XXXX I Left my apartment located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NM XXXX when i received the charges from leaving the apartment I noticed the amount owed was completely incorrect. I was being wrongfully charged, so i decided to reach out & dispute with the original company ( XXXX AKA the XXXX XXXX ) about the incorrect balance owed. On multiple occasions & even calling them but no response was ever submitted back to me. Once This in-accurate debt started posting on my credit report through CBF SERVICES I made multiple attempts to reach out to CBF SERVICES & told them " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' no proper evidence was ever sent to me providing my signature showing that I owed, or was in debt, or ever have been in debt with CBF SERVICES. 

Dates attempted to reach XXXX AKA the XXXX XXXX XX/XX/XXXX XXXX XXXX  & XX/XX/XXXX XXXX XXXX ( Via email ) Dates attempted to reach CBF SERVICES ( Via certified mail ) XX/XX/XXXX & XX/XX/XXXX CBF SERVICES Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 I paid all outstanding balances on my account ending in XXXX to XXXX XXXX XXXX. On XX/XX/2020, I closed my account ending in XXXX with XXXX XXXX. 

I no longer have outstanding balances, as I paid those at the time my account was closed. My bank statement shows that an amounts of {$30.00} and {$75.00} on XX/XX/2020, {$21.00} on XX/XX/2020, and {$25.00} XX/XX/2020 were withdrawn from my Chase Checking account on behalf of XXXX XXXX XXXX. 

I contacted XXXX XXXX in XXXX, and was told no charges to my bank account have been made on behalf of XXXX XXXX. XX/XX/2020, I sent an email to XXXX to file billing fraud, and demanding to have these charges refunded. XX/XX/2020, I received a response via mail. No resolution was made other than they would remove me from their contact list, close my account, and I had made a purchase with my card on XX/XX/2020 for {$42.00} with my XXXX XXXX card. 

XX/XX/2020, I contacted XXXX XXXX to inquire about the balance on my account, and was told that I had no outstanding charged. I then contacted Chase Bank via phone to dispute these charges, and file a fraud claims. A representative at Chase Bank stated that I made automatic payments via my Chase checking account. I was told my claim would be denied. It should be noted that I do not have reoccurring payments set up on my Chase Accounts. 

XXXX XXXX XXXX  is not holding itself accountable for erroneously charging its borrowers, such as myself. I believe that XXXX XXXX is manipulating accounts. I am requesting to receive assistance in having this issue resolved, as I have exhausted all possible ways to address this issue with XXXX XXXX and Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 outlining 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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- PERSONAL ACCOUNT 4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 outlining 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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 outlining 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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
SYNCB/JCP XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$880.00} {$880.00} -- -- -- REV {$0.00} CHARGE Jcp must have wrong person why posting someone else debt on my credit

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 2020-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERIFIRST FINANCIAL, INC.
State: CA

Complaint narrative:
Approved for a loan by Amerifirst loan officer XXXX XXXX. His company is unprofessional, disorganized, and cost me time and money. 


There was a credit issue that was seen in the initial credit check which was ignored and inevitably cost me the loan financing! 

Due to XXXX incompetence, I also lost my earnest deposit as it was XXXX who said we were good to go removing loan contingencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX. XXXX. XXXX to be paid by XXXX. XXXX. XXXX : money to be transferred to an external account for one dollar. company states they will notify me if transaction is not made : I recieved no notification. Fraud department placed hold dt suspicious amount. refused to lift the hold. Requested I pay the full amount, although I have not transferred to the external account before. I refused the full amount. requested minimum. No value would be provided to me. Fraud person agreed to XXXX dollars. New transaction dates XXXX. XXXX. XXXX to be withdrawn by XXXX. XXXX no notification again, follow up again and the amount hold again. The bank is putting a barrier to me using my money. I have sufficient funds. 
I have asked a manager to call me. The staff have refused and will not provide a number. I have given up and notified that I am filing a complaint. Someone at that bank appears to have a bias and causing trouble for me. each call in takes atleast 42 minutes : I have the dates as follows : XX/XX/23, XXXX. I have called my local bank branch and they defer to the 1800 number stating they do not have time. I want my account investigated. I have banked with us bank atleast 20 years. I will leave as soon as one of my checks that was misappropriated is returned to me ( a payable check was deposited to the wrong account, that is why i was attempting to establish a transfer to account, service that is provided by this bank ... is not being preformed with no reason other than it is not enough money, but will not provide me with an amount that is enough ).

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 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
During COVID-19, I was granted forbearance period for 6 months which was agreed upon from both sides stating I would not be affected negatively. I ended the forbearance period early and immediately was current on my payments. I worked extra hard during the pandemic to make extra payments to have PRIVATE MORTGAGE INSURANCE removed. In mid XXXX, to loan to value ratio was 78 %, under the 80 % mark to be qualified to have PMI removed and was current on my payments. I reached out to the PMI department via email and they got back to me on XX/XX/2020 stating although my loan to value ratio was 78 % and was current on my payments, PMI will not be removed since I was late on XXXX payments. After contacting customer service and speaking to XXXX and XXXX and from forbearance department XXXX for an hour, they could not see the late payments on my record. XXXX spoke to the supervisors and concluded that it was indeed the forbearance period which was AGREED upon, which was negatively impacting me and I would have to continue paying PMI for 24 months in order for it to be removed. I find this unacceptable as there were no late payments but agreement was made which I abided by. 
To hold a forbearance agreement, because my mother was infected while global pandemic was going on, against me negatively is not just insensitive but plain wrong.

Company response to consumer: Closed with explanation