vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: VA

Complaint narrative:
I originally disputed the incorrect information on XX/XX/XXXX and referenced the fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). Item not removed. Submitted Identity theft letter to XXXX/Transunion/XXXX  on XX/XX/XXXX which also included Federal Trade Commission complaint # XXXX. Sent another dispute to XXXX/Transunion/XXXX  on XX/XX/XXXX which also references the Federal Trade complaint on XXXX  XXXX/XXXX  XXXX  Accounts. I sent XXXX/Transunion/XXXX  a letter on XX/XX/XXXX requesting validation of the Method of Verification with no response other than the information is accurate. On XX/XX/XXXX I mailed another Victim of Identity theft letter with the Federal Trade Commission again and a copy of a police report # XXXX and XXXX/Transunion/XXXX  still refuses to remove the incorrect information. I have also tried to contact the company XXXX  XXXX XXXX XXXX XXXX and on the same days as XXXX/Transunion/XXXX, but no response since XX/XX/XXXX. I emailed the company and they refused to communicate with me because they state the email address they have on file for me is not the one I was emailing from. XXXX  is the most difficult to deal with. When I called yesterday XX/XX/XXXX I waited 45 minutes on hold just to be transferred to 3 different representatives. The call then disconnected once I started discussing the accounts. The Rep never called me back and sent an email within an hour saying they can see the dispute was entered in error or I knowingly took out 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 explanation
Consumer complaint received 2021-01-05 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: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I originally disputed the incorrect information on XX/XX/XXXX and referenced the fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). Item not removed. Submitted Identity theft letter to XXXX on XX/XX/XXXX which also included Federal Trade Commission complaint # XXXX. Sent another dispute to XXXX on XX/XX/XXXX which also references the Federal Trade complaint on NC  Financial/Net  Credit Accounts. I sent XXXX  a letter on XX/XX/XXXX requesting validation of the Method of Verification with no response other than the information is accurate. On XX/XX/XXXX I mailed another Victim of Identity theft letter with the Federal Trade Commission again and a copy of a police report # XXXX and XXXX still refuses to remove the incorrect information. I have also tried to contact the company NC Financial/Net Credit several times and on the same days as XXXX, but no response since XX/XX/XXXX. I emailed the company and they refused to communicate with me because they state the email address they have on file for me is not the one I was emailing from. XXXX  is the most difficult to deal with. When I called yesterday XX/XX/XXXX I waited 45 minutes on hold just to be transferred to 3 different representatives. The call then disconnected once I started discussing the accounts. The Rep never called me back and sent an email within an hour saying they can see the dispute was entered in error or I knowingly took out the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: LA

Complaint narrative:
I've sent disputes lXXXX XXXX2020 regarding to those inaccurate and unknow accounts on my credit report. but until today I haven't received any response. I'm a victim of Equifax Data breach. I want all those account will REMOVE on my credit report ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I tried to submit a dispute online so that I could attach the military orders. The agency 's system would not allow me to submit the information online so I did it by phone. Without the documentation, the collection agency is refusing to act so the agency validated the collection. This is ridiculous and I do not owe this debt to XXXX XXXX XXXX  due to SCRA and lease cancellation.

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 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I feel I have been treated unfairly by Chase Bank. I feel the act of closing my account before the matter could be reconciled is unfair and deceptive. I had minimal interest and a charge to my credit card made by a merchant in error. The account should have been charged by the merchant in a different means. 
This credit card has a {$7500.00} available credit and was paid in full on XX/XX/XXXX. What I did not realize is that Chase had added interest charges of {$39.00} after it was paid off and in XXXX XXXX pass charged the card {$25.00} in error. I do not get paper statements in the mail on this account and was unaware this charge went on my card and was not checking the balance on the card because the card to my knowledge had not been used. I found out about the past due balance of {$180.00} on XX/XX/XXXX When I applied for a mortgage and found my credit had dropped about XXXX points. I immediately went online and found the account had been closed and had a balance of {$180.00}. I paid the balance off and called Chase the next day. When I ask Chase to reopen the account because of what it has done to my credit they refused. I did not receive any phone calls on the past due balance and Chase had stated that they sent a letter. I reminded them that my account is paperless and that I do not receive statements and I do not open promotional type mail and that I did not receive the letters. 
I checked my profile on their site and they have my correct and current phone number. 
This has had a devastating effect on my credit and may prevent me from getting a mortgage. Chase has refused to work with me on this problem and that is why I'm lodging a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Past in XX/XX/XXXX. I asked to waive the interests if I pay {$16000.00} in full, then they agreed to waive remaining interests from previous months. 
XX/XX/XXXX to XX/XX/XXXX total of {$1600.00} to their crazy increase in interests it was XX/XX/XXXX- XX/XX/XXXX- {$330.00} XXXX XXXX {$390.00} Then after that date interest went down for no reason. With the same remaining balanced balance never changed. Interest changes every months. 
So total was {$1600.00} from XX/XX/XXXX to XX/XX/XXXX. They waived XXXX and XXXX while on the phone. They said they need to bring to upper management to actual authorize for the fees to go away Also it was on their mistake to keep increasing my credit limit without my approval. It went up to {$18000.00} credit limit without my knowledge. Whole months I never received any letter or statements. Which they recorrected to send me them but that was too late. 

We agreed for me to pay my debts but not interests those months- XX/XX/XXXX to XX/XX/XXXX Which I finally paid on XX/XX/XXXX, XXXX to do my part. 
There was remaining balance for them to waive the fees. I waited over months and months. I was keep paying because I didnt want any negative effect on my credit. I was buying a house. 

I kept calling, they said theyll investigate but it went no where. 
I kept doing chats online, they said theyll investigate. It went nowhere. 

I had the confirmation code that they found the agreement and they confirmed that fees supposed to be waived. 
Confirmation code was XXXX from XX/XX/XXXX when they found the agreement. 

Confirmation code from XX/XX/XXXX when we had agreement was never given. So XX/XX/XXXX, thats when they found it After that, they just wont waive still. It puts me in constantly cycle. 

They kept processing to send it to collection and increasing my interests plus late fees. Even though I paid from XX/XX/XXXX to XX/XX/XXXX. Thats when I stopped paying. 
Balance went down to around {$800.00}, it went up to {$1300.00} with late fees and interests

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I believe Upgrade may be engaging in discrimination violating ECOA laws by discouraging the application of credit on the basis of race/color/sex. I hope Im wrong, but I want to ensure this is not a systemic issue that is happening to others. On XX/XX/XXXX XXXX XXXX notified me I was pre-approved for an Upgrade credit card. I followed the application procedures & immediately received an email asking me to upload a voided check or bank statement. 4 minutes later ( before I could respond to the first email ) I received another asking me to upload multiple other documents one of which to take a mobile phone photo of myself. The other was a request for my 4506-T. The email said Id receive an email with instructions on how to complete the 4506-T request, but days went by and I did not receive the email. I did get a reminder email saying they were still waiting for me to upload the 4506-T. I sent an email to XXXX saying I never received the 4506-T email instructions. Another day went by and still no response. So, I sent an email to XXXX and I called the 800 number. The gentleman I spoke with reviewed my documents ( and my photo ) and said hed have someone send me the 4506-T instructions soon. But then he also said I dont know why the system didnt prompt you for this before but we also need your most recent pay stubs. I submitted those right away. The next day I finally received the 4506-T instruction email. I followed the instructions and submitted on XX/XX/XXXX. I heard nothing from Upgrade until XX/XX/XXXX when I received another email requesting me to submit my 4506-T. I replied that all documents requested were sent and show they have been uploaded. It has been 3 weeks now and my pre-approved application still has not been processed. It is now XX/XX/XXXX. I have heard NOTHING from Upgrade. Again, I hope Im wrong, but theres been no explanation on why my pre-approved application suddenly stalled after I submitted my photo. Id like for this to be investigated to see if other persons of XXXX have had the same issue which is being discouraged to apply for credit after our photos are submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp
State: AZ

Complaint narrative:
On XX/XX/2019 I had go into XXXX XXXX XXXX XXXX in XXXX XXXX Arizona. The doctor installed a catheter into my urinal bladder. On the next morning XX/XX/2019 I had to return as the catheter nurse practitioner failed and came out. XXXX XXXX XXXX XXXX XXXX sent me a bill for {$590.00} for failed procedure done by his nurse and charged again for this malpractice another {$590.00} on XX/XX/2019. The payments were made by check : {$960.00} and which includes XXXX payments they did not credit me with and another approved allowed amount of {$350.00} from XXXX XXXX insurance that they refused because they claim in was out of network. 
XXXX XXXX  Physicians hired CAC Financial Corp to collect more money from me this collection company from XXXX XXXX ( XXXX ) XXXX or XXXX XXXX has been continually calling me to collect and will not stop. They claim that I need to send money to them. I made payments directly to XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Ok, back in XXXX quicken Loans made a mistake and raised my escrow taxes from XXXX to XXXX. they added an extra zero. they raised my monthly payment to XXXX instead of my regular payment of XXXX they wont admit their mistake. they finally changed my payment back to normal for XX/XX/XXXX. they still want me to pay the XXXX for XX/XX/XXXX and XX/XX/XXXX. I cant afford to do this. I did nothing to cause this. I made my regular payments for these two months not late! they have added late fees and damaged my credit. I have contacted them several times with no success. this was totally their fault and I am getting blamed. I was always on time with my payments and had perfect credit .I cant believe what they are doing after they made the mistake. I need help and would like your advise on how to start legal action against them. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-01-05 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I tried to open an online account with TD specifically because it could be done online. There are no TD branches in my town. During the process, the website errored out. I called the 800 number to try to finish it online and was told 1 ) I did not complete the process and sign for the account so it would close if not funded, and 2 ) I was also told it wasn't possible to correct over the phone and that I had to go to a branch. I told them then that wasn't possible given transportation difficulties and the pandemic. Again, the phone representative said the accounts would just close if not funded. A month later, I get a statement. I called AGAIN, and was told the same thing by TD, who tried to refer me to a branch in a neighboring town. Again, the reiterated that travel was not possible and was told by the TD representative that if the account was not funded, it would be closed by TD. A month later, I received another statement, this time showing a fee of {$25.00}. I called again, ... same thing. I was told only the local branch could close the account. I called that branch on XX/XX/XXXX spoke with the manager, XXXX, who told me it would be closed and she would confirm that for me once done. XXXX just called ( XX/XX/2021 ) telling me i had to make the trip to the branch. I reiterated for her that she was asking me to close an account that I NEVER SIGNED FOR AND SHOULD NOT HAVE BEEN OPENED and reminding her of the pandemic risk. TD opened an account without my signature, NOW is claiming I have to take unnecessary risks, time, expense and travel to correct their mistake. They are refusing to correct this via mail, internet or any other reasonable manner, even though I am going out of my way to work with them to find a suitable solution that does not involve health risks or a time/cost burden of travel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZenResolve, LLC
State: AL

Complaint narrative:
I got this information from XXXX  regarding zenresolve. The problem is with my bank account. My checking account was closed on XX/XX/2020. My money wasn't deposited into my new checking account in time. So I was unable to make my payment. I will just pay the {$1000.00} of what I borrowed when I get my stimulus check and my money deposited into my new checking account. But I will not be paying any interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have been charged late fees twice by a Wayfair Comenity card most recently on XX/XX/XXXX for a payment received on XX/XX/XXXX. The bills ALWAYS come late giving little opportunity to pay them and they refuse to communicate or work with me despite trying to call repeatedly and communicate with them and explain my situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
Quicken Loans / Rocket Mortgage Loan Number : XXXX are braking the federal law! Per Cares Act Page H.R. 748-210 ( act ( 50 U.S.C. 1601 et seq ) it is required for Quicken Loans and or my Mortgage Servicer Genny May to report to all three of my credit beauros as " CURRENT '' as per my personal conversation with XXXX XXXX Pier Servicing Escalation Specialist Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I am being told that even tho as the factually recorded line of credit states current status and always has been current prior to my entrees in to forbearance it will show and further be reported as " suppressed " means " nothing "! Cares act also states that this line of credit will not hard my credit history in any way! FACT! my LTV on all of my accounts will stay the same so if in fact this particular line of credit will show anything other then what is written BY USA FEDERAL LAW i will consider this action as A BRAKE IN THE LAW BY QUICKEN LOANS! EVERYTHING ON MY END HAS PROOF AND IS RECORDER! AS WELL AS QUICKEN LOANS ON THEIR WEB SITE DO NOT AND I REPEAT DO NOT GIVE A FORMAL OPTION TO PUBLIC TO OBTAIN 180 DAYS OF FORBARANCE AT FIRST INNITUAL REQEST BY CUSTOMERS! I WANT THIS INCIDENT PUBLISHED ON consumerfinance.gov so that others can learn from my experience! i AM IN SEARCH OF BEST PERSONAL ATTERNEY TO HANDLE THIS CASE AND WILL AWAIT FOR ONE / FIRST ONE MARK ON MY CREDIT BY QUICKEN LOANS OTHER THEN CURRENT! I WANT YOU CFPB TO CONTACT THEM AND LET THEM BE AWEAR OF BRAKING THE LAW! AND MAKE SURE THAT THEY ARE NOT BRAKING THE FEDERAL LAW ON MY PERSONAL RECORD! THIS FOLLOW UP HAS CAUSED ME ALOT OF STRESS AND MENTAL AS WELL AS PHISICAL PAIN AND SUFFERING IN THIS DIFFICULT TIME OF EPEDEMIC WHICH SHOULD BE A SIMPLE TASK TO FOLLOW THE FEDERAL CARES ACT LAW! PLEASE LOOWUP WITH ME MY CELL PHONE OR EMAIL!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
- usaa punishing customers by closing account for reporting unrecognized charges. 
- usaa froze my money in my account on XX/XX/XXXX without notice. 
- XXXX from ceo office stated it would be closed in 1-3 days but was false and have been told I must wait 60 days to get my money back which is federally protected due to being VA benefits.

- fcra rights are being violated by usaa due to giving false information.

- I would appreciate this to be resolved as quickly as possible to due financial hardship this is causing especially with my XXXX and XXXX related XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I scheduled a payment of the account balance in full, however, because the payment due date was Sunday XX/XX/XXXX and due to the XX/XX/XXXX holiday, the payment didn't post until XX/XX/XXXX. I called AMEX on XX/XX/XXXX and they refunded the late fee of {$29.00}. On XX/XX/XXXX, AMEX assessed interest and on XX/XX/XXXX two representatives relayed via phone that there is no way to refund interest on an account after AMEX assesses it ( even though the interest posted days after the payment posted ). AMEX also refused to allow me to redeem all of my points, without explanation. By way of background, this account offered a promotional 0 % APR. I paid the balance in full before that offer expired and have been making regular timely payments since, with the exception the XX/XX/XXXX payment because I literally was unable to set up a payment to post that date due to the holidays and the Sunday due date. The representative offered to refund a portion of the interest, but only if I agreed to keep the account open for 12 months. I declined and closed the account.

Company response to consumer: Closed with explanation