vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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:
My name is XXXX XXXX XXXX On my credit report the fraudulent listed account number is XXXX with XXXX XXXX XXXX XXXX This is not my account. I have tried over and over to clarify that this account does not belong to me. I have disputed it with the bureaus to no avail.I have sent letter and faxes to XXXX XXXX with my Identity theft report from the FTC. The only thing that the bureaus and XXXX XXXX are doing is validating the account. How can you validate a fraudulent account. This account is not mine.

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 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I can NOT contact my mortgage company by phone or email for years! I should be able to choose what mortgage company I want to use but I am forced to use whatever company that the previous lender decided to sell my mortgage to. I have no recourse and don't even know what government body or entity has authority of home mortgages. The company name is SunTrust Mortgage and they are impossible to contact.

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 2021-03-12 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: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 I had two fraudulent transactions of {$1000.00} each made at XXXX. I was never notified of the fraud and resolution status. I finally saw the charges on my online account and called to report these fraudulent transactions. I mentioned that I never even received the cards that were used to make these purchases. This has been an on-going battle for months now with no explanations. I get transferred to multiple departments with no answers from anyone. One agent I spoke to told me a police report was needed in order to resolve this investigation. I submitted the police report and still do not receive any updates nor is the issue being resolved. I complained today and was told that now I need an additional report from USPS saying my mail is not being delivered and that they are going to conduct an investigation. Also, I clearly submitted fraud claims for 2 TRANSACTIONS. The agent only marked one of them and the other charge remained on my card and I had to report it again today after mentioning it for MONTHS to Discover. I also included BOTH charges on my police report. I am sick and tired of being ignored. I followed all necessary steps. How is a police report " not enough '' when that is what the agent told me to get in order to receive my money back? Today I was also forced to pay a {$35.00} minimum payment or else my account would be closed and charged-off. This is effecting my credit score and I will not let it go on any longer. Also, I paid the minimum payment that was requested and was told that I would get a refund and that my account would not be closed. To my surprise, the next agent I was transferred to told me my account was closed. The previous agent told me that {$1000.00} had been credited back to me and I would receive a new card within 7 days. Every single agent I speak to has a different story to tell. It is absolutely not right to close my account with no notice and considering the fact that the whole balance is fraud that is not being investigated! This is absolutely ridiculous at this point. I would like my account to be reopened and for these charges to be credited back to me. I also need my credit report to be fixed. This issue has been causing me an enormous amount of stress. I am not receiving any notifications or updates and Discover is lying to me as well as making unauthorized decisions on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I tried to apply for a credit card at Wells Fargo but was told I can not receive a credit card because I already have accounts with Wells Fargo that were not paid as agreed. This however is not true because I have never had a credit card with any back or company ever. I believe it to be that someone has open accounts under my name or social security number which are not allowing me to apply for a credit card.

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian keeps lowering my FICO scores. I called Experian twice about unrecognized inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I also called these two companies and could not reach them. Experian promised yesterday to call back but I have not gotten a call. 

I also called months ago two times regarding the Bill Negotiator. They charged me without even telling me what they have done. They promised to call back to explain but never got a phone call back. 

Thanks! 
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 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Money was transferred from my checking account through XXXX with out my authorization and the bank says that we need proof that it wasnt me who authorized those XXXX transactions

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 2021-03-12 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:
My name is XXXX XXXX XXXX On my credit report the fraudulent listed account number is XXXX with XXXX XXXX XXXX XXXX  This is not my account. I have tried over and over to clarify that this account does not belong to me. I have disputed it with the bureaus to no avail.I have sent letter and faxes to XXXX XXXX with my Identity theft report from the FTC. The only thing that the bureaus and XXXX XXXX  are doing is validating the account. How can you validate a fraudulent account. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
MIDLAND FUNDING LLC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was PAID and close i am no longer responsible for this account. According to the FCRA, MIDLAND FUNDING LLC. has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 I paid {$500.00} to AmeriSave Mortgage Company to lock in a 2.25 % interest rate on a 15 year refinance. I submitted ALL documentation requested by Amerisave consistently in a VERY timely manner. Two weeks of silence after submitting all requested documentation the Loan Originator and Loan Processor were non-responsive to requests for an update. I had to escalate to XXXX XXXX ( President of AmeriSave ) twice over the course of the next two weeks. The VP of Sales got involved and requested more information and assured me we would figure something out. Finally on XX/XX/2021 was notified by other executives at Amerisave that the debt to income ratio does not qualify for AmeriSave 2.25 rate on a 15  year mortgage. The result is totally acceptable to me but I believe there is a " bait and switch '' tactic being employed at AmeriSave to string people along. I advise everyone to be extremely careful in dealing with AmeriSave Mortgage. Clearly I should have been notified much sooner of the result in order to bring my application to some type of closure sooner.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MECHANICS BANK
State: MO

Complaint narrative:
I made a payment, to CRB Auto/Mechanics Bank, on XX/XX/2021 for {$230.00}. When I went to pay my bill for XXXX, I noticed a late fee for {$11.00}. When I went to make sure I paid in XXXX, I discovered a " payment reversal '' on XX/XX/2021. I called the bank I used to make the payment, and was informed that at no point over the last 3 months has my balance dropped less than {$280.00}, and therefore, any such payment would not be rejected. I called Mechanics Bank on Monday, XX/XX/XXXX, to inquire as to why there was a late fee, and informed that they had called, and emailed me to inform me that my payment had been reversed. The last email I received from Mechanics Bank was on XX/XX/XXXX, confirming that I made a payment. I have no further communications, and never received a phone call. I called again on XX/XX/XXXX, and was told that I would have to pay the late fee, regardless of who is at fault. When I asked which bank account the bill was charged to, I was told they " did not have the resources in front of them '', and would have to " request it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I Applied for an auto loan and Experian credit reporting agency has me listed as deceased. I called them at XXXX. This number only takes you to menus, no access to a person. Every time I try a menu it shuts me down and says it can not confirm my Identity. No XXXX, give me someone to talk to so I can resolve this. I spent the next hour on there website and every time I try to get help it says it can not confirm my Identity. No XXXX, give me some direction. Can I get someone to contact me so I can send documents or give me a path to clear this up. This is absurd that you can report someone as deceased and then give them no way to contact you to understand how to clear it up. When they can't confirm your identity they should be required to reach out to you or send you an email with a way to contact them.

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: MoneyLion Inc.
State: IL

Complaint narrative:
Received an unsolicited debit card in the mail, indicating that I had somehow signed up for a product. It's similar to the activation that you would receive when your main bank sends a replacement or new debit/credit card. It included a working debit card, with an account number assigned, despite no I formation being given to them by me. It includes an account number, routing number, expiration date, security code, and my name printed on the card along with a chip and MasterCard logo. A quick search found that others have received this deciptive marketing practice and we're concerned about identity theft. All sources told me to quickly file with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
According to my XXXX credit report I have a missed payment XX/XX/XXXX. I've never had this and just recently had the company remove a late payment XX/XX/XXXX and yet it is still reporting to XXXX only. Between the 3 credit bureaus all 3 have different reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. I filed a dispute with TransUnion on XX/XX/2021 and have yet to receive any response in regards to the status of the dispute. I feel as if Im being taken advantage of at this point.

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: UT

Complaint narrative:
Debts reported for {$1700.00} and {$1000.00}. Company agreed to delete. Account closed and fraudulent charges. XXXX XXXX XXXXXXXX XXXX  agreed to write off balance as fraud.

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 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A fraudulent charge was charged to my account XX/XX/XXXX. I called and let Chase know that I had not authorized the charge. Chase immediately closed the card and issued me a new one. At no time did Chase warn me that Chase could have given my credit card number out. At no time did Chase tell me that it planned to give my new card number to anyone. If I had known that, I would have closed the account. Chase claimed to investigate the fraud and removed the charge. 

I called Chase the first week of XX/XX/XXXX to close the account. I was offered a special interest rate to keep the account. I never got the special interest rate and was transferred around and was not able to cancel the card. 
I did not use the new card. No one knows the new card number but Chase as I put it away. 
The same fraudulent charge appeared on the account in XX/XX/XXXX but Chase misrepresented the date they posted it on the XXXX statement as XX/XX/XXXX. XX/XX/XXXX of XXXX has not occurred yet. This charge was clearly a mistake. I reported the fraud again. Chase immediately responded without investigating, saying that it would accept the charge. I asked for the information about this alleged company : the physical address, working phone number that allowed speaking to a human, an account number or description of services or date the service was supposed to have begun or the address of service. Chase gave no information. 

Chase defrauded me on the phone when I called and reported the fraud in XXXX. Chase told me at the time at the end of XXXX that it would investigate the fraud. There is no evidence that Chase ever investigated the fraud in XXXX. 

Chase defrauded me on the phone when it said that it was sending me a new card without disclosing Chase 's intent to give my new number to anyone. 

Chase defrauded me in XXXX when it refused to close the account, offered a lower interest rate it did not have available to offer, in an effort to keep the card open so it could continue giving my account number out to scammers. 

Chase did not disclose the terms of having the card open in the first place. Chase never told me that it would give out my account number to anyone who asked for it to charge me money. Chase never said that it would act as a debt collection agency. Chase never said that it didn't really investigate fraud. In fact, Chase has advertised that it has a fraud department that investigates fraud. In this case, Chase never investigated the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: EQUIFAX, INC.
State: IA

Complaint narrative:
Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. On XX/XX/2021 I submitted a dispute with Equifax and its been over 30 days and I havent heard anything back in regards to that dispute. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Credit Report is showing an Active Account Was Closed & Deleted from my credit report & dropped my score all the way to XXXX. I originally called my secured card credit company to dispute the fraudulent chargers. My credit company told me they were then going to send me a new credit card and that the old one will not work. So Im just confused as to why it says I have no accounts open when In fact I have one credit card open.

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 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I WENT TO OPEN A CHASE ACCOUNT AND MY security security number BEEN EXSPOS I NEVER HAD ANY OTHER ACCOUNTS THEN CHASE IT WOULDN'T LET ME DUE TO XXXX  I believe MY SSN AND DAY OF BIRTH BEEN USED PLEASE REMOVE ME OFF OF XXXX SO I CAN HAVE A BANK WITH CHASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery associates llc has reported accounts to the XXXX  that is incorrect and costing me fees and penalties as well ... 3 credit cards were filed within a bankruptcy back in 2009 and accounts were : XXXX XXXX  visa, XXXX XXXX and XXXX money which all 3 show listed under one company ( portfolio recovery associates llc ) since then with incorrect information. It has long since past the statue of limitations since the filing of the bankruptcy and needs to be cleared from records including the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
XXXX XXXX and chexsystem is stopping me from getting line of credit and a checking account that my social security number and day of birth been exposed and I like my name to be removed I am a victim

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 2021-03-12 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation