vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: MS

Complaint narrative:
I filed for unemployment and I have not received a card. Im assuming because I had a cards years ago but can not find it. Noway to get a person on the phone to order one. XXXX does not allow me to go through without the actual card number. Whom which I do not have

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and found several accounts that were not mine. I am not sure if my information was stolen but I reached out to the credit bureaus and even the companies that were not mine but with no luck. I wrote letters and submitted documents to prove the accounts were not mine but the accounts are remaining. I also filed a complaint with the Federal Trade Commission but I am getting no resolution. I am listing the accounts below Account : Dates : Amount : Account : Dates : Amount : Account : Dates : Amount : Account : XXXX XXXX Dates:XXXX Amount : {$720.00} Account : XXXX   Dates:XX/XX/XXXX Amount : {$1500.00} Account : XXXX XXXX   Dates:XX/XX/XXXX Amount : {$8700.00} Account : XXXX XXXX Dates:XX/XX/XXXX Amount : {$100.00} Account : XXXX   Dates:XX/XX/XXXXAmount : {$30000.00} Account : XXXX XXXX Dates:XX/XX/XXXX Amount XXXX {$29000.00} Account : XXXX XXXX   Dates:XX/XX/XXXX Amount : {$40000.00} Account:XXXX XXXX XXXX XXXX   Dates:XX/XX/XXXXAmount : {$1500.00} Account:XXXX XXXX   XXXX XXXX XXXX XXXX  Dates:XX/XX/XXXX Amount : {$12000.00} Account : Dates XXXX Amount :

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 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We purchased a piece of furniture at XXXX XXXX in XX/XX/XXXX with interest free payment option. The purchase price was {$2300.00}. Our monthly payment was {$83.00}, but we made an automatic payment of {$100.00} a month. We decided to pay off the remaining balance of {$250.00} yesterday. But we logged into Synchrony website, it said we still owed {$1300.00}. I spoke to XXXX at XXXX XXXX this morning and then she transferred me to her supervisor, XXXX . XXXX said that the interest free payment is for only 18 months, which ended on XXXX XXXX, XXXX. Since it was not paid in full on XXXX XXXX, XXXX, she said that there is {$1100.00} of interest charge on the remaining balance of {$450.00}. First off, we were never told that it needs to be paid off by XXXX XXXX, XXXX. But more importantly, how someone can charge {$1200.00} interest of {$450.00}? This is ridiculous. Absolutely deceptive business practice! Who allows them to run a business this way? We already paid the remaining balance of {$250.00} yesterday. We want them to remove the interest immediately and close the 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 monetary relief
Consumer complaint received 2020-04-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Wrote to EXPERIAN ON XX/XX/2020 AND XX/XX/2020 asking for help to correct some items that are reporting on my credit report. that are not mines

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 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Compass Recovery Group, LLC
State: TX

Complaint narrative:
I'm a XXXX  XXXX  and live on a very limited income ( mainly XXXX ). Most of my bills are medical related and are typically paid in small chunks or by my health insurance. Compass Recovery Group has been harassing me for months and now my aging mother about a debt that I dont owe. They say I owe one .... and when I tell them my situation and that I can not pay, they have threatened to take legal actions against me. When my mother has spoken to these people, they refused to give her any information about the matter or the company. Fortunately, she didn't give them any information about me except that she would pass the message along to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
Sequium Asset Solution LLC Date XX/XX/2020 I only received only one collection letter on this date. 

I have called 3 different times and sent a letter to them to dispute a collection amount that was not correct and found out as of today Monday XX/XX/2020 to a credit reporting Agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The following unauthorized inquiries are not mines and was not authorized by me, this inquiries are fraudulent and I'm requesting that they be removed immediately. 

1  ) XXXX XXXX XXXX XXXX ( XXXX ) 2   ) XXXX XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ; ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX XXXX XXXX   ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX  XXXX XXXX ( XXXX ) 9 ) XXXX  XXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX  XXXX ( XXXX ) 12 ) XXXX  XXXX XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX  ( XXXX ) 15 ) 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 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase provided me excuses. Daily balance of {$1500.00}. very little people will afford such balance in CA. 
People work and pay their bills. Reality is that overdraft fees are too high and bank charge them without really see if they are correct or not. And when charge customer has no choice or said about it. Chase said we already reverse 2 fees which is our guidelines per yr. and if customer is been charged 10, per chase is guidelines their courtesy reverse per yr doesn't qualify that. 
I made {$1000.00} deposit after my complaint. Check written to myself was cleared from my credit union a week but hold in Chase side for 2 weeks, and even thought I have money for my bills chase kept overdraft me and charged me {$34.00} each transaction why I dont know. 
I went to the bank XXXX and XXXX each time waited early in morning in the cold for 1hr and half to correct the problem. But I kept deposit more money ( cash ) to make sure my transactions were covert. 
Chase couldnt give me any other explanation and told me that my only choice is to keep coming back and see them If, they will reverse overdrafts that been charged wrongly. 
Then I called and waited 1hr in the phone and talk a rude customer services name XXXX at customer services ( Will not provide me any other info about herself ). Very rude. I had 7 overdraft wrongly charged ( Because I had money but taken by Chase somehow were holding the funds ). XXXX told me that she will reverse and refunded only 5 charges. And If I want the 2 others I will have to call back. 
But even though he showed in my count that those 5 overdrafts were reversed the funds were short. ( See attachments ). Chase done this to me in the past. They correct the charges but the funds were not returned so my balances were incorrect, and short. Which of course overdraft me again.

I Called Chase again waited in the line for 1hr and 30mm without any one answer me.

The virus giving Chase an opportunity to abuse customer when government and all others companies are trying to supports people to make it. ThAT IS not right. 
My balance if the correct refund should be {$170.00}. Not {$68.00} chase is showing. 
I will like to have my money back from chase. 
Chase also always will find a way to take back what they refund. Customer cant win with them. Customer only protection is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20 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: JPMORGAN CHASE & CO.
State: NY

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc
State: UT

Complaint narrative:
Verisk is reporting an Automobile-Property Loss Underwriting Service ( A-PLUS ) claim on XX/XX/2017 that did not happen. On that date I did call the XXXX 'XXXX  XXXX claim department to ask questions about my policy and what was covered under the policy. However, I did not start a claim. 

They are now considering that inquiry a " Loss ''. 
They're using this inquiry phone call as an excuse to charge me higher rates and force me to use their " High Risk '' partner to insure new properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00} XXXX   XXXX {$160.00} XXXX  XXXX {$92.00}

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 2020-04-20 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00} XXXX   XXXX {$160.00} XXXX  XXXX {$92.00}

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 2020-04-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I FILED A DISPUTE WITH TRANSUNION ON XX/XX/XXXX AND XX/XX/XXXX they fail to respond back as they continue to report items that does not belong to me

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 2020-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
Never took out this loan. I had a police report years ago for this debt and my identity being stolen. They have flagged my credit report 25 times in 5 days.This company harassed me and threatened me. Said they call my employer and come after my kids even for this debt. They refuse to send me anything about this or even documentation for it, other than hearsay from the original creditor which deleted it when they got my police report in 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My siblings and I are the successors of our parents home. Father passed away in XX/XX/XXXX. We live in the home and due to his passing we became delinquent. The original servicer was Nationstar which is now Mr. Cooper. They started the foreclosure process for which I had to get the assistance of XXXX XXXX group to stop the foreclosure. Went before the Judge and Mr. Coopers attorney and came to agreement to work on loan modification. We submitted the documents through their attorney and was told it was complete and we would hear from them soon. The next thing we received was a notice with a sale date. We called Mr. Cooper and they said there were missing documents. They never called or asked in writing for the documents that were allegedly missing, so we had no idea. We started another application and as we were in the process a representative from Mr. Cooper informed us that nothing could be done with the house until it was out of probate. It is still in probate however, they mailed another loan modification packet which I received on XX/XX/XXXX but sold the property 11 days later on XX/XX/XXXX. They had us believing we were working towards keeping our home, but what they were doing was giving us the run around and misleading us by telling us different information just to run the clock out so they could foreclose and we would have no time to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following unauthorized inquiries are not mines and was not authorized by me, this inquiries are fraudulent and I'm requesting that they be removed immediately. 

1 ) XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 2 ) XXXX XXXX XXXX  XXXX ( XXXX ) 3 ) XXXX XXXX (XX/XX/XXXX ) 4 ) XXXX XXXX XXXX (XX/XX/XXXX ; ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX) 7 ) XXXX  XXXX ( XXXX ) 8 ) XXXX  XXXX XXXX ( XXXX ) 9 ) XXXX XXXXXXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX XXXX ( XXXX ) 12 ) XXXX  XXXX XXXX ( XXXX ) 13 ) XXXX XXXXt (XX/XX/XXXX ) 14 ) XXXX  ( XXXX ) 15 ) XXXX  ( XX/XX/XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The following unauthorized inquiries are not mines and was not authorized by me, this inquiries are fraudulent and I'm requesting that they be removed immediately. 

1 ) XXXX XXXX XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX  XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ; ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX XXXX XXXX  ( XXXX ) 7 ) XXXX  XXXX (XX/XX/XXXX ) 8 ) XXXX  XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX  XXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX XXXXXXXX (XX/XX/XXXX ) 12 ) XXXX  XXXX XXXX ( XXXX ) 13 ) XXXX XXXX  ( XXXX ) 14 ) XXXX  ( XXXX ) 15 ) 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 non-monetary relief
Consumer complaint received 2020-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My wallet was either lost or stolen, and reported. I also notified the 3 major credit reporting agencies of this. And since my identity been compromised I've noticed unauthorized accounts reporting on my credit file. I'm sure neither of the credit reporting agencies supports fraud so therefore I'm demanding that these fraudulent unauthorized accounts be blocked and removed immediately. 

As follow 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX Dept of ED {$1200.00} 4 ) XXXX 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 2020-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/2020 the Federal government passed the CARES Act which states that all Federal Student Loans were to have interest rate set to 0 % for at least sixty ( 60 ) days. American Education Services ( AES ) has failed to change the interest rate on all of my Federal Student loans from the 6.8 % prior to the Act down to 0 %. Attempts to contact the company via phone, their website, or their social media pages have been futile as the company doesn't respond back on this issue. They only state that they are " waiting for guidance from the federal government '' about the rates with no other feedback -- and that was four ( 4 ) weeks ago. They will respond about ALL other issues but this one. My Federal Student Loans have still been accumulating interest at 6.8 % with AES since the CARES Act was passed while my wife 's student loans, held by FedLoan, have been showing as 0 % since that same time period. All of my student loans are Federal Stafford Loans and not commercial loans. I have also never consolidated my loans since taking them out during school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-04-20 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 was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My wallet was either lost or stolen, and reported. I also notified the 3 major credit reporting agencies of this. And since my identity been compromised I've noticed unauthorized accounts reporting on my credit file. I'm sure neither of the credit reporting agencies supports fraud so therefore I'm demanding that these fraudulent unauthorized accounts be blocked and removed immediately.

As follow 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  3 ) XXXX  Dept of ED {$1200.00} 4 ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My wallet was either lost or stolen, and reported. I also notified the 3 major credit reporting agencies of this. And since my identity been compromised I've noticed unauthorized accounts reporting on my credit file. I'm sure neither of the credit reporting agencies supports fraud so therefore I'm demanding that these fraudulent unauthorized accounts be blocked and removed immediately.

As follow 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX Dept of ED {$1200.00} 4 ) XXXX 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 non-monetary relief