vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: C/C Financial
State: WY

Complaint narrative:
As of today, XX/XX/XXXX, TWO ( 2 ) months since this account was PAID IN FULL, there have been NO refunds credited to our bank account. As per our communications up to this point, my wife and I have been told NUMEROUS times that : ( 1 ) The refunds have been submitted ( 2 ) the refunds have been approved ( 3 ) the refund requests had to be transferred to a new department as part of the merger ( 4 ) the refunds have been sent for approval ( 5 ) you should see the refund in 7-10 business days ( 6 ) you should see the refund in 5-10 business days ( 7 )  you should see the refund in 5-7 business days ( 8 ) we can not see anything past the refund being approved ( 9 ) there was only one refund approved, we haven't heard anything about a second ( 10 ) we see the second refund and have submitted it ( 11 ) the second refund has been approved. 
( 12 ) If you don't see it in your bank account by _______, please call us back. To which we have done. MANY, MANY times. 

We have gone through the process of verifying the bank account information, ( to which I am VERY aware that IF there was any issue with my banking information after the refunds had been sent, that your office would have received notification that the refunds were returned to your company. THIS IS NOT THE CASE. We bank with a credit union whom is local and they have NO RECORD of there being ANY attempts for your company to make any deposits into our account. Our payment information hasn't changed, our banking information such as the routing and account number have not changed. 

ALL of this communication has been documented on your end and MINE. I am in the process of having our attorney draw up some final paperwork as well as file a couple of complaints with the XXXX XXXX XXXX, the Wyoming Attorney General 's Office, and the Consumer Financial Protection Bureau. I expect at this point to see some results from your office and hear from someone TODAY. I have left you two voicemails to this point and am willing to leave even more. At this point, in my mind, this is considered FRAUD. 

You have also been emailed with no response as seen below. If you don't have the answers for us on WHEN we will be getting these funds owed to us, which, BY LAW, you technically have 7 days to return, then PLEASE GET SOMEONE TO CALL ME WHO CAN ANSWER WHY WE DON'T HAVE OUR MONEY. NOT your company 's money, OUR money. 

Again, for your reference, this is the balance owed to us : Payoff amount : {$1000.00} Pay off check : {$1200.00} Overpayment : {$200.00} Approved XX/XX/19. ( 13 DAYS ) Additional payment taken {$130.00} Refund balance {$330.00} SAME AMOUNT SHOWN ON MY PREVIOUS EMAIL Payment approved XX/XX/XXXX {$130.00} Approved XX/XX/19. ( 19 DAYS ) TOTAL OWED TO US {$330.00}

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 2019-11-05 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have contacted Chex Systems About this account being fraudulent and have submitted the proper documentation and the following bureau has refused to remove the account stating the information is accurate. I have submitted information that my address was never in a city which was stated in Kansas. The account was reported is as follows XXXX 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 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: AZ

Complaint narrative:
The company had incorrect contact information for me. wrong address and contact number. I never had my initial window of notification of this debt. when I reached out to them due to running my credit is how I found out this debt existed. They were vague, the amount was XXXX dollars as the amount I had paid already to XXXX they also added that I owe another XXXX dollars now the total is XXXX dollars. When told I should know that I owe this debt to XXXX I told them I already paid several amounts to XXXX. They continued to tell me that it could be the same amount to another provider for the same date. This is not enough to prove that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX   XXXX XXXX GA XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.

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 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX   XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX , GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.

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 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
In the month of XX/XX/XXXX, a collection agency Accelerated financial started reporting an open credit of {$910.00} from XXXX XXXX according to my credit report. This company has come out of nowhere and damaged my report for something i don't have. I contacted the original creditor by phone last month mid XXXX and i was advised by a customer service representative that my account with them was closed in XXXX. I asked the representative if the system is reflecting i owe a balance, and she stated no. I advised her a company is reporting i owe {$910.00}, and she stated she didn't see anything on her end because the account was closed. Its been over 6 since the account was closed with the original creditor. All of my debt if any has been settled with this company years ago. I have never had an account with Accelerated financial ever, and they are damaging my credit. Also, this company is false reporting things to all credit reporting agency 's. Also, this company has never sent me a statement saying why I owe this amount of money. This is effecting me with potential job opportunities. Its also making my credit score lower as well which it hard for me to get a new home and other things I may need. I never had a debt with this company, and dont know how it came about. If this agency continues to report negative inquires on my report, I will file a civil lawsuit on this company.

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 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
In XXXX of 2019 I submitted an application to rocketmortgage.com ( Quicken Loans ) for a mortgage. A few weeks later I spoke with XXXX XXXX and we briefly discussed what I was interested in and decided we would take in further detail once I was ready to start looking at buying. On XX/XX/XXXX I spoke with XXXX XXXX again and I was given some estimates for a Mortgage Loan. The estimate I was given was as follows : Loan Amount : {$380000.00} Home Price : {$400000.00} Down Payment : 5 % Closing Costs : XXXX Rate : Estimate of XXXX to 4 % We decided again to follow up once I was ready to start looking at homes. A week later, my wife and I found a home we wanted to put an offer on and I spoke with XXXX on Monday XXXX, XXXX who quoted me a locked rate of 3.625 % at closing costs of roughly XXXX ( I don't remember the exact number, we had this discussion over the phone ). 

Later on XX/XX/XXXX I received a loan estimate disclosure which showed a total cash to close of {$25000.00} which seemed right because that's what XXXX told me. However, I had overlooked the fact that this total included an {$8000.00} credit from the seller and a {$3000.00} credit from the XXXX XXXX. In addition, I also did not realize that the origination fee was extremely high at 2.375 % which I find extremely dishonest because when XXXX told me a rate of 3.625 % he never mentioned to me that this rate was AFTER having paid for points. It was only after I had shown the loan estimate disclosure to my real estate agent that she pointed this out and said that the closing costs I was asked to pay was extremely high. 

On Sunday, XX/XX/XXXX I spoke with XXXX again who apologized for the confusion and said he would discuss the issue with his XXXX. I should mention that XXXX offered to give me the ACTUAL rate OF 4.5 % but I didn't not find that to be a sufficient resolution to the issue. 

On Monday, XX/XX/XXXX I received a call from XXXX XXXX, Senior Director of Banking at Quicken Loans. I explained to him the situation and that I felt the practice of advertising a loan rate without being clear that the rate came at the cost of being bought down ( an origination fee of about XXXX dollars ) was deceptive, and I requested that they update the loan to include the original rate of 3.625 % without having been bought down with points. I explained that with previous lenders, the rate the advertised to me was the actual rate I received, and they asked me if I wanted to but the rate down with points. XXXX explain that it was more important for their company to advertise low monthly payments to their clients, and said that 'explaining the details to customers confuses them ' which is why they didn't explain the rate more clearly to me. In addition, he also insulted me by indicating that I did not know how to do math.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX   {$57000.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX ( XXXX XXXX {$0.00} XXXX ( XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been hit with identity theft both from the dark net, and from credit card breaches that occurred at both XXXX and XXXX XXXX, so I keep a close eye on my credit score. On XX/XX/2019, I noticed a few creditors had appeared that I either had not done business with or were reported incorrectly on my credit bureau through Equifax. Those accounts are : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I sent Equifax a letter on that same day XX/XX/2019, through certified mail with a signature return receipt ( attached to this complaint ). 

On XX/XX/2019, I received a letter from Equifax stating that they updated all XXXX of the accounts, and that all 5 of them remain on my credit report ( attached ). Then on XX/XX/2019, I sent Equifax another letter through certified mail with a signature return receipt XXXX attached ) asking them to either provide proof of their verification method in accordance with federal law, or to delete these incorrectly reported items from my credit report. 

On XX/XX/2019, Equifax sent me a letter ( attached ) stating that they have reviewed the re-investigation, and determined that these accounts will remain on my credit file. They did not provide any proof of how they verified these XXXX accounts listed on my credit report. Then, on XX/XX/2019, I sent Equifax a final letter ( also attached ) via certified mail with a signature return receipt. This letter was to give them notice that they are violating 15 USC 41, 1681i ( a ) ( 2 ) ( B ), and that they were to provide me with their method of verification of these creditors or delete these items from my credit report. I also informed Equifax in my letter that I intended to file a complaint if they did not comply with their requirements in reporting accurate information on my credit report. 

So finally, on XX/XX/2019, Equifax sent me another letter stating that they verified the information on my credit report, but again provided no method of verification that they used. As of right now, these 5 items remain on my credit report and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: NV

Complaint narrative:
In XXXX of this year I obtained my credit report and found there was an account listed on my report for XXXX XXXX in XXXX XXXX. 

I was a patient there, on XX/XX/XXXX which I later confirmed through the hospital / via email. Since then I filed a dispute with all three XXXX, XXXX and Experian as they appeared on all three reports. The information was supplied to all three by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. My subsequent dispute was simple, the debt should have been removed as it was XXXX years years old. I had to for the 2nd time dispute different information with Experian, as they had my Birthday and name incorrect. I was born in XXXX, Experian had my Birth year as XXXX, and my name as XXXX XXXX, they added my middle initial to my first name, ironically making me a female ( XXXX ) is the female version of XXXX in XXXX and in many XXXX XXXX   families. 

Both XXXX and XXXX removed the XXXX account Experian did not, and in-fact verified the information as " accurate '' I don't know how they could claim the information was verified as accurate. I filed another dispute with Experian via mail, provided the information from the original creditor ( XXXX XXXX ) a copy of my social security card, my Nevada Identification ( Real ID Version ) and a copy of my W2 to confirm the address. Again they came back and stated " Verified and accurate '' with the account being opened in XXXX of XXXX. Approximately a week later I received a form letter stating " I would have to confirm my address, and my identity before they would send any information to my address ''. They did not ever read my correspondence everything they asked for to " confirm my identity '' was already included. 

At this juncture it's painfully obvious that not even the minimum " investigation '' was performed, no one ever read the letter. The debt is being re-aged plain and simple. I would think when the original creditor confirms you were not even a patient there during their stated time the account was " opened '' would be considered prima-facia evidence nothing is being done correctly.

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 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: OK

Complaint narrative:
XX/XX/XXXX, World Acceptance CorpXXXX reported to XXXX, XXXX & XXXX a charge off status to an account that was opened under my name. Oddly that a company would report an account charged off for XXXX after two months. In XXXX of XXXX my wife and I began looking into buying our first home. As a blended family we both had a few things to work on from previous marriages. This item was one which raised a question, to my recollection I hadnt opened account with this company. On XX/XX/XXXX, I went into their office asking for a copy of account they reported under my name. I was given a trade line printout and told they had a copy of my ID and signature. Since we had an established membership with XXXX XXXX I notified them and they told me they would send out a dispute on my behalf an to take it a step further I would need to have the dispute form notarized and returned to them with any documentation I had received from World Acceptance Corp. XX/XX/XXXX I went down to my banking institution and had the form notorized and put in the mail that same day. We had already began working with a real estate agent I asked them as well what their thoughts were and if this could effect the outcome of buying a home. They replied, most definitely am advised to dispute the item with the credit agencies as well as the company directly. I was informed by XXXX XXXX that I had to give the company some time to investigate the account before it could be updated or removed depending on what was found. XXXX on XX/XX/XXXX I challenged the item again to date it still remains on my file. After much time passed the real estate agent suggested filling out a police report and file a complaint with CFPB. XX/XX/XXXX, we went down and filed the report with the local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: FL

Complaint narrative:
I signed up for a Platinum card from American Express in XXXX, XXXX. The same month the annual fee was due, for {$550.00}, covering the whole year until XXXX, XXXX. Amex decided to cancel my card for no reason XXXX no late payment, no bankruptcy, normal purchases ) and took my {$550.00} with them. No refund and no prorated refund. So it seems they gave me a card, took my {$550.00} and closed my account right after. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A credit card with a limit of {$1000.00} USD was opened under my name and social security number by PayPal. I have never used PayPal services nor have I ever had an account with PayPal. I was first made aware of the account when it appear on my credit report. I have since requested the account be closed through synchrony bank and reported the incident to the credit bureaus. Its alarming that PayPal is in the practice of opening accounts unbeknownst to the consumer. These practices seem predatory and should be reviewed a little closer.

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 2019-11-05 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: FL

Complaint narrative:
I opened an American Express XXXX XXXX card that I've had since it first came out in XXXX of XXXX. This card came with an anual fee of {$450.00} which I paid in XXXX, XXXX and again in XXXX, XXXX. The last anual fee covers the benefits until XX/XX/XXXX. American Express has decided to cancel this card without notifying me and for no good reason XXXX no late fees, no bankruptcy, everyday purchases ) and I find myself unable to use the benefits I paid for in XXXX, XXXX that were supposed to be covered for a year. American Express has basically taken my money and closed the door in my face.

Company response to consumer: Closed with explanation