vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 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: OH

Complaint narrative:
I have several accounts that I do not recall EVER doing business with still showing on my credit report. I was a victim of fraud so demand to see any and all legal documents connected to any contracts for business. Please delete XXXX XXXX. This is the second time I have had this issue. They are in violation of FDCPA and FRCA laws, 623,611 FDCPA 809,805 Aas well as HIPPA!

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 2020-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I contacted american express around early XXXX about why I did not receive the XXXX skymiles after spending {$2000.00} within 3 months and their telling me I went online and clicked a promotion for XXXX skymiles for {$500.00} purchase which I do not recall. The expiration for the XXXX skymiles was on XX/XX/2019 which i called and clicked online 2 days before expiration. I will forward a copy of that promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
HONDA FINANCIAL SERVICES REPORTED LATE PAYMENTS TO MY ACCOUNTS FOR THE MONTHS OF XX/XX/2019 AND XX/XX/2019 BUT THE ACCOUNT WAS NOT LATE. THERE WAS AN ERROR WITH THE PROCESSING OF THE PAYMENT THAT WAS NOT MY FAULT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA reps Uncooperative HOSTILE Will NOT EXPLAIN CLOSING STATEMENT TERMS XXXX ID XXXX the one today would not explain None can ever explain even after I explained I could not go on line They are Untruthful each one saying a different thing to PURPOSELY CONFUSE ELDERLY MORE What is Definition for Term on ( Adjustment Purchases )? 
What is their function as in why are they there? Who are they from? Why? Sometimes they are considered TEMPORARY credits Sometimes they are recorded as New Purchases How to know which and why same term? Very confusing What happens when a fraud is called in? Are TEMPORARY credits LISTED ON CARD APPLIED AGAINST THE BALANCE? When are Temporary credits MADE PERMANET ** USAA does Not provide an option for me to access my account and phone reps will Not EXPLAIN POLICY and TERM meanings. Thousands of NEW PURCHASES XX/XX/2019 statement say ( Security of ) And No One Explains Who would pay thousands of dollars for the UNKNOWN?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NY

Complaint narrative:
I attempted to work with this company with resolving the debt owed but due to financial issues I have not been able to. I have now enrolled in a Debt Consultation Company and am working with them to resolve my debt. My debt was accrued by an arson case I experienced at my personal property resulting in tens of thousands in damages. My insurance covered some, and I took credit cards out to repair additional. I never had credit issues in the past before this. Now over the course of years of playing marry-go-round with the creditors I am working with this Debt company for a resolution. 
My primary complaint is that : now I am being contacted at my place of work. Which I have now been informed is actually illegal and a form of harassment. I feel that it is very unprofessional for me to be receiving these calls and need them to stop. I am trying to work something out, but times are hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Credit Collection Service ( CCS ) is reporting on my credit report that I have an collection account in the amount of {$260.00} that was supposedly opened on XX/XX/2019. I never applied or opened this account. This is an fraudulent account. I have make numerous request for proof and verification of this account directly with CCS to no avail. Again, this is an fraudulent account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I called in to ask about the Forbearance process back in XX/XX/XXXX due to the hurricane that just hit and caused me to lose my job. I was told that the Forbearance had to be granted due to the circumstances and that I would get a 3 month break from my mortgage payment with no affect on my credit or payment history. I was also advised that the loan itself would not need to be changed and that the 3 payments would just be added to the end of the loan. All I needed to do was start to make my payments again after the 3 months. It turns out that was not accurate. A few months after I started making on-time payments as I was scheduled, I started to receive phone calls and letters asking me to either pay the full amount of the 3 months that were missed or I had to refinance my entire loan. After several months of back and forth and them continuously giving me bad advise and information about how things worked I just tried to take my loan elsewhere. However, since they stopped reporting to credit due to the situation, nobody would allow me to get a new loan on the home. So I was stuck with Cardinal Financial and had to jump through a thousand hoops to get the refinance done that never should have been needed in the first place according to the call I had originally made about the forbearance. Now that the refi has been completed, they are reporting to credit that I was more than 90 past due on a few payments and it is having a drastic affect on my credit score. I was told numerous times that once the refi had been completed the credit would  reflect no past due payments and it would look as if none of it ever happened. I have been trying to get this issue resolved with my credit since XX/XX/XXXX and I can't seem to get anybody to respond to my emails. When I call, I'm told I can't speak directly to that department and I just have to wait for them. I'm tired of waiting for them. Its been over 2 years I've been dealing with this all because I was misinformed from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: CA

Complaint narrative:
XXXX XXXX XXXX REPORTED LATE PAYMENTS TO MY ACCOUNTS FOR THE MONTHS OF XX/XX/2019 AND XX/XX/2019 BUT THE ACCOUNT WAS NOT LATE. THERE WAS AN ERROR WITH THE PROCESSING OF THE PAYMENT THAT WAS NOT MY FAULT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: CA

Complaint narrative:
XXXX XXXX XXXX REPORTED LATE PAYMENTS TO MY ACCOUNTS FOR THE MONTHS OF XX/XX/2019 AND XX/XX/2019 BUT THE ACCOUNT WAS NOT LATE. THERE WAS AN ERROR WITH THE PROCESSING OF THE PAYMENT THAT WAS NOT MY FAULT.

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 2020-01-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
Caliber Home Loans is suing me in Massachusetts Land Court for a time-barred loan. The docket # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I got a insurance claim from XXXX  I put it on a Venmo they say its was put on there but a fruadulent account XXXX they let someone spend over XXXX then said XXXX be I can do anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX and I am an XXXX   lady on the fix income. I have been paying my credit card with Capital One for more than 3 years. I saved some money to pay it off and on XX/XX/20 I have made a call to Capital One and was told that to payoff the card, I would need {$1500.00}. The call was made to XXXX at XXXX. The representative confirmed the amount of {$1500.00}. I called back and authorized the payment on the automatic system that was also {$1500.00}. On XX/XX/20, I checked the bank statement and the amount charged was {$1900.00}. I called Capital One on XX/XX/20 at XXXX XXXX and supervisor said that I actually owe {$1900.00} and not {$1500.00}. When I asked how is that possible that information changes on automatic system and representative, she responded that she " does not know ''. I have explained to the Supervisor XXXX ID # XXXX that the amount does not change in 1 day when I have not used the card at all in years and was making the minimum payment. The Capital One never had my updated address, so I never received any of my statements. The Manager promised to send me the statements within the next 10 days. The whole situation is very upsetting because I feel that Capital One is taking advantage of the XXXX  less fortunate clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has verbally refused to acknowledge my overall outstanding credit card/unsecured debt is less than {$56000.00}. Ive informed them based on their consumer profile update. ( XXXX ). My free annual credit report from 3 major credit reporting bureaus reflect less than {$56000.00} total unsecured debt credit card and line of credit debt. 

Experian has my account status reflecting more than {$60000.00} in debt, raising my credit utilization to 100 % thus creating a down grade by 2 significant avenues, revolving debt carried is considered higher than necessary and credit card accounts inaccurately showing XXXX credit available for me to utilize based on continued use of 100 % credit utilization identifier. 

Additionally, Experian claims that a retail credit card provider, XXXX XXXX has reported acknowledgment of a late pay I was responsible for in XX/XX/XXXX. I spoke to XXXX XXXX and I was not given confirmation that such a comment was forwarded inclusive of my 30 day credit lender submittals. Even though this information is not considered a derogatory or major reporting on my profile, any negative information can impact my score up to double digit reduction in credit rating worthiness. 

Experian is using tactics that are vague and poorly supported when theyre challenged on the position held against me. 

Are used to carry a credit score in the 690 range and possibly close to 700 during the first quarter and parts of the second quarter of XXXX. No I did have hard inquiries on a home loan refinance which amounted in five application submissions during the month of XXXX and other than that I paid off my student loan. Experian drop my credit profile by well over 30 points with no other negative credit impact eligible for consideration. At least no negative reporting that was of major incident to the best of my knowledge. 

I feel as though Im being influenced to consider their boost program and potentially other credit monitoring programs that serve their interests before mine. Im not going to spend extra money or join credit monitoring that is historically unnecessary. 

Im asking for the CFPB to assess my grievance and encourage Experian to adjust my credit rating based on my years of experience, timely payment of my debt obligations, real debt associated to my profile, etc. 

Thank You, 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 2020-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
I got a call from XXXX ( XXXX XXXX XXXX. I called the number to see what the call was about. The man I spoke with did not let me get a word in, I explained that this debt was paid and it reflects on my bank statement. This same number has called my mother and aunt several times. I tried to talk with this place to get to the bottom of the issue and they are very aggressive, and yell in the phone and ultimately end up hanging up on me. They REFUSE to express who they are or provide proof of the debt. They refused to give me an address or a name to the company yet they continue to call me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: NV

Complaint narrative:
Underwriter going back twenty plus year in past for credit check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After reviewing my credit report from EQUIFAX, I have noticed that the report shows 3 fraudulent credit inquires that I did not authorize.

1. ) XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX XXXX VISA CC Please investigate and remove these inquiries as quickly as possible.

I have included with this complaint copies of all required documentation.

Identity Theft Report, Letter to Equifax, Drivers License, Social Security Card, Proof of Residence, Equifax Credit Report, and FCRA 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
I'm a fully verified user of www.coinbase.com since 2017. 

On the last XX/XX/XXXX, my account was restricted. I cant use my funds ( buy/sell/deposits/withdrawals ). There wasn't any reason to do it. The only response I got was the same day, coinbase told me that it would be fixed on 2 days. Now, more than 3 weeks later, my account is still restricted and I've not got any new answer to my case. 

It's really frustrating when a company block your funds, without explanation, without a solution, without any reason, for more than 3 weeks and the support saying nothing. 

User : XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
Talked to XXXX, today XX/XX/XXXX re fees on account totaling {$410.00}. it is 3 separate charges. 
XX/XX/XXXX Property Preservation Fee Billed {$14.00} XX/XX/XXXX Brokers Price Opinion Fee Billed {$130.00} XX/XX/XXXX Property Inspection Fee Billed {$260.00} She could not tell me what the fees were for. XXXX the lender who had this loan since XX/XX/XXXX sent it over to them in XX/XX/XXXX without my knowledge. 

I want to know what these fees are for as they have been added to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST
State: WA

Complaint narrative:
I made a deposit on the mobile app with some money orders. The deposit went through and I want online the next day to check my balance, only to find I couldn't log in to my account. This was both on the mobile app and the website. I called in to the 1-800 number and was told they can't give me any information about my account and I  need to go in branch. I was planning on doing most of my banking with the app and the ATM since the bank has limited hours, but I had some time in the middle of the day to go in-branch. 

At the branch I walked into, they said there was fraudulent activity on my account and they locked it for my safety. They said my balance was significantly lower than the amount I expected. I was then told that the branch I walked into wasn't my home branch and I needed to go to another branch ( that I had never been into ). This initial news had me worried. 

At the second branch, located in XXXX, Washington, I was given the runaround, no one could provide me any useful information and finally one employee was able to tell me that the fraudulent activity was the mobile deposits I made to the account. Since when is adding money to an account fraud? Bank of the West advertises all the time about their mobile deposits, adding insult to injury every time I see it.

I asked the bank if the money orders are valid and they said they're not sure. We had to call up XXXX XXXX to find out they are valid ( an idea I had ). Meanwhile, my money was in limbo during the holiday season and I was planning on using this money for some XXXX gifts. I then asked the bank how to deposit the money orders and the clerk was clueless, saying I need to clear the fraud ( which wasn't actually fraud ) on your account. Finally, I suggested depositing them into my XXXX  XXXX XXXX account ( a bank I was looking to switch from ) and she agreed. 

I then planned on closing my account due to my lack of satisfaction in this experience and the fact that nearly a month later I still couldn't access the website. Unfortunately I got a letter from Bank of the West yesterday saying we are closing your account and we don't have to provide you a reason. This is likely because of the complaint I filed on their website and the poor review I gave on their surveys. I don't understand how a bank can retaliate against their customers like this just for depositing a money order on their mobile app. I was looking forward to using their more convenient locations, but unfortunately this business has left me no other choice.

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 2020-01-16 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: DISCOVER BANK
State: AL

Complaint narrative:
Upon checking my credit report, I see that Discover Bank claims I had a personal loan with them ... .which is COMPLETELY untrue. 

My credit report does not even reflect the address I have lived at for over 10 years so there is NO WAY this account is mine. 

I have gone back and forth with Discover and they have done NOTHING to fix this. I just get a message if they tell me to wait for a call from their Executive office and noone has EVER called. 

The number they gave me is XXXX But I have yet to reach anyone. 

If this account is going to be reported, I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If they can not provide me with this information, I request they please remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc

Complaint narrative:
A year ago I had fraudulent activity on my paypal account. I called paypal and they cleared the fraud and said they would freeze my account to stop it from happening again. They did not freeze my account. More fraud took place on my account and I am now receiving letters saying I need to pay the outstanding balance or they will take legal action. After emailing and phoning PayPal a dozen times they had either not replied or hung up on me. I am worried that debt collectors or legal action will take place for a transaction that has nothing to do with me. I am making this complaint after trying to get the matter resolved with Paypal numerous times to no prevail.

Company response to consumer: Closed with explanation