vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi there, I made a trade on XX/XX/XXXX through the website https : //localbitcoins.com/ with someone named XXXX XXXX XXXX XXXX XXXX XXXX XXXX his LocalBitcoins profile is XXXX I sold him XXXX Bitcoins for {$1500.00} which he paid through XXXX, I XXXX verification before completing the transaction and he sent me a photo of his SSN which is XXXX and a photo of him holding his ID which is XXXX with a paper saying that he sent me {$1500.00} with his account ending in XXXX non-refundable, then a couple of hours after we completed the transaction he called the Bank asking for a chargeback claiming I scammed him which is not true since we already gave them the Bitcoins he paid for, the Bank blocked my account the same day, took the money from there and gave the money back to him on XX/XX/XXXX, the bank was also going to close my account even after many calls and sending all the photos that I have, I was only able to get my account re-open again but they just said they would not give me back my money after recognizing that we did nothing wrong and the fraudulent acts of the other person. I have photos of everything

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 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
These accounts are an result of fraud SYNCB/LOWES {$3500.00} XXXX SYNCB/WALMART {$0.00} XXXX SYNCB/PPC {$2000.00} XXXX SYNCB/CARE CREDIT {$2500.00} 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 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I use an app to save money. On multiple occasions now, my bank makes changes which affects my ability to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
Upon looking at my credit report I see that there is a debt from XXXX XXXX represented by Caine & Wiener in the amount of {$2800.00}. This account has been removed and deleted by several collection agencies due to fraud and the original creditor not informing them that is due to fraud. In XX/XX/XXXX I wrote to XXXX. XXXX about this debt and the fact that it did not belong to me and to remove it because a former collection agency had to do the same thing. Now 2 years later XXXX XXXX has sold this account to yet another collection agency Cain & Wiener in XXXX of XXXX. I can never seem to get my life back on track or catch a break from someone stealing my identity and using my information. I wake up daily with anxiety because I am always having to check something every day to make sure. Please have them remove this debt and to stop trying to collect on something that I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts are an result of fraud XXXX  {$3500.00} XXXX XXXX  {$0.00} XXXX XXXX  {$2000.00} XXXX XXXX  CREDIT {$2500.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an FHA mortgage loan thru Wells Fargo in 2009. I then started the process of modifying it thru a goverment program that was offered at the time. Wells Fargo put me on a payment plan during the modification and said it wouldn't be reported negatively my credit. We paid the payment they gave us every month, on time, for 18 months until the modification was complete. I just had my credit ran to see about doing a refinance on my current home loan and the broker shows that wells fargo loan as a foreclosure. I disputed that years ago and thought it had been removed, but apparently it had not. This is really affecting my credit score, and I never defaulted or had a late payment. I did exactly what Wells Fargo instructed me to do.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX Chapter XXXX reference # XXXX Should have been removed as of XX/XX/2017 Currently hurting my credit score and the ability to rebuild my credit. 

Credit history is reporting that it is only XXXX years old. However, I have accounts such as XXXX XXXX that reports an open account for XXXX years and 4 years.

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have applied multiple with Capital One, online, and with an agent over the phone. While on the phone with the agent, he said this is strange your application gets denied without a credit pull. I notice the same issue when I apply online. I never see hard of soft pulls on my credit reports. Furthermore, My Walmart Card which was managed by XXXX until XX/XX/2019, and becoming Capital One account. This account always gets turned down for increases. I called for the second time today to get the Capital One version of the Walmart Card. The agent on the phone today said I was never issued a new card. I informed him that I have requested one before and never got one. I know it is illegal for Capitol One to blacklist people but I feel that this is what they are doing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: TN

Complaint narrative:
I filled out a form on XXXX, inquiring about HELOC rates. I was matched with a lender who called to let me know they could also refinance our existing mortgage to get rid of PMI. The interest rate they initially gave was higher ( 4.25 % ) than our current rate ( 3.875 % ) so we agreed to pay a point ( {$3700.00} ) to get the same interest rate. The closing costs came in at {$13000.00}, with {$2800.00} for origination fees and {$1600.00} in underwriting fees. Based on our high credit score ( XXXX ), these fees are very high for a refinance ... we didn't even pay that much when we originally closed on the home four months ago. 

I received documents in the mail a few days ago for a RESPA - " Revision requested by the Consumer ; Interest Rate Dependent Charges ( rate lock ) ''. The new closing costs fees rose to  {$21000.00} with {$10000.00} being for 2.75 % points that I never requested. I reached out to the lender, who said it was a mistake and apologized. Had I never asked about it, they may have tried to move forward with those astronomical closing fees. 

We started to feel as though the fees we were being charged were extremely high, so we sought out a local lender who could offer a second opinion and rate. We were able to secure a 3 % APR refinance loan and are only paying $ XXXX in closing costs with {$320.00} in underwriting and {$350.00} in processing fees. We decided to go this route, but needed to transfer the appraisal that we had paid for with the original lender. 

When we asked for the appraisal to be transferred, the original lender said it was not possible and he did not have access to this. When pressed further, he claimed that it was " not required. You'll be fine. Best of luck! ". Obviously, he is upset that we cancelled our loan with his company and we now have to have the appraiser come back out for a reinspect fee. 

The original lender was pleasant to work with until we cancelled the loan request. Once he knew we were using a different lender, he offered to match their rate/fees ... why wasn't he able to do that in the first place? Additionally, the fees this lender is charging is suspiciously high, given the record low mortgage interest rates we are experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The following account is an result of fraud. XXXX XXXX XXXX   {$1100.00} XX/XX/2016 I have no knowledge of this account. I have tried to fix this with the company in question 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 2020-07-08 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'm a fraud victim I have provided Experian with several police reports listing the below accounts as fraud however, they refuse to investigate nor remove these accounts by law they are obligated to remove these accounts, however, they are in violation of federal law and they refuse to remove these fraudulent accounts. The accounts that are fraudulent and need to be removed are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts are reflected in a recent police report filed and these accounts need to be blocked from my credit report pursuant to federal regulation section 605B of the Fair Credit Reporting Act. I have disputed these items for the last 6 months and nothing has been done with regard to these fraud accounts.

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 2020-07-08 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN INACCURATE ACCOUNT REPORTING ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-08 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN INACCURATE ACCOUNT REPORTING ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-08 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report its been well over 30 days and I haven't received any investigation results.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I disputed a lateness as inaccurate on my credit report with Capital One and after investigating they removed my entire account and history on all 3 bureaus rather then removing or correcting the simple inaccurate lateness reported on all 3 bureaus. This has had an adverse affect on my credit scores on all 3 bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Discharged Chapter XXXX reported XX/XX/XXXX - I have disputed this as the record should have been removed after 7 years. It has not been removed. It is currently affecting my credit score and ability to rebuild my credit score. 

XXXX Dept of Education Balance {$7200.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$4000.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$1900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$3900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$9300.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Discharged Chapter XXXX reported XX/XX/XXXX - I have disputed this as the record should have been removed after 7 years. It has not been removed. It is currently affecting my credit score and ability to rebuild my credit score. 

XXXX Dept of Education Balance {$7200.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$4000.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$1900.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$3900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$9300.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month.

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 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The following account is an result of fraud. XXXX XXXX XXXX   {$1100.00} XX/XX/2016 I have no knowledge of this account. I have tried to fix this with the company in question 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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied for credit on XXXX through synchrony bank. they approved my card and I even used it. They then send me a letter saying that they could not assign the credit limit they approved because my credit score from XXXX XXXX is XXXX. This is over 200 points off from any of the other credit bureaus. if you look into this company, they have been teaming up with banks and giving tons of people incorrect scores so that the bank can charge you more interest. If you try to request a report, they require you to send them copies of your personally indentifiable information such as passport, license, social security card. They have incorrect information, and there is no way to fix it with them. Please do something. XXXX it yourself, there are millions of people reporting to you and to the FTC because this company is blatantly scamming people under your watch. 



Thank you

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 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I originally opened a credit account with XXXX XXXX XXXX. During that time, I made regularly scheduled payments with automatic bill pay for this account. My payment history was exceptional, so I received a credit increase. However, the account was closed shortly after I made a full payment on the balance. The only remnants of an account is this collection placed by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
The following account is an result of fraud. JPMCB XXXX {>= $1,000,000} {$7800.00} I have no knowledge of this account. I have tried to fix this with the company in question JPMCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express serve will not let me close my account. I have had so many issues from withdrawing money to my son accession the Sub account i opened for him. They dont ever have a supervisor to speak with. They hang up on me. They blocked me from accessing my account for about XXXX week. And they refuse to let me close the account. Also since my dispute with them I have been receiving random calls from numbers that are disconnected and a lot of Robo calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I Used Chase Visa card to purchase tickets for flights from XXXX to XXXX, XXXX. 
Flights were canceled due to Covid 19 I have requested a refund. No response. 

I placed a chargeback via Chase Ink Visa. It was Denied. 

My complaint is against Chase Ink for failure to honor the chargeback. 

The Airline canceled my flights because of Covid 19 DOT XX/XX/XXXX Enforcement Notice Dictates they must refund my money. 
It is a fraudulent transaction since they will not refund my money.

Company response to consumer: Closed with explanation