vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
This is regarding my fund transfer to my XXXX account in XXXX with XXXX XXXX. In order to activate my dormant XXXX   account, I transferred {$1000.00} from my XXXX XXXX account to the XXXX   account through " Remitly '' on XX/XX/XXXX. After few days I got a confirmation from Remitly that the fund transfer was completed but I did not see the funds in my bank account in XXXX. I talked to the customer care team of XXXX XXXX XXXX but they told me that they never received the funds as the account was in dormant status. I also checked with my XXXX XXXX   account used for my Remitly transfer and they said that from their side the amount has been debited and I need to check with Remitly on where the funds are stuck. I have already followed up with Remitly customer care ( over live chat ) twice but the issue is still not resolved. I need your help for the matter to be sorted out as I am being treated like a football and being kicked around. Remitly ref # for the transaction is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Approximately three years ago, XXXX XXXX in XXXX KY treated me for XXXX XXXX. They subsequently sent me an erroneous bill because they used improper coding and date documentation according to my insurance company. I made multiple attempts to inform both my insurance company and this provider my insurance status. 

The billing staff at the provider did not cooperate such that my insurance company would pay the amount due. I do not owe the stated amount and in fact was not treated on the dates shown by them. 

I wrote to XXXX XXXX on XX/XX/2019 and subsequently spoke to a collections agent about the situation. They have refused to consider my side of the story. 

Experian has also failed to consider my multiple error reports or even contact me to inquire about the material facts in this case.

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 2020-06-03 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: NJ

Complaint narrative:
Request for a check refund not a credit refund from Chase credit card Hi, I have a chase freedom unlimited credit card, which I used to purchase a concert ticket ( XXXX - XX/XX/XXXX ). Concert was canceled so they refunded me - {$630.00}. This refund was initiated XX/XX/XXXX. I checked Chase website for their refund policy - see link and attachment. And to make sure I can get a check refund instead of a credit refund, I called Chase to confirm - the lady said yes, when you see the refund in your account, just call us so we can issue you a check. 

this is the link where it says - I can request for a check refund and attachement as well : https : //www.chase.com/personal/credit-cards/education/basics/how-refunds-and-returns-work-on-credit-cards XX/XX/XXXX came, refund came but Chase did an auto credit refund. I called 3 times and even requested for a manager - they said we can't issue you a check refund because you used the credit card and you have a balance. No manager was available ( since it was covid ) and no one tried to call me even if I requested for it. 

I called them again today - XX/XX/XXXX, spoke to 3 people - including a manager ( XXXX ) - He said there are no options to send a check refund because I have an outstanding balance. He said it is a system thing and that's how credit cards work.I have nothing against the employees - but this is a different scenario - My question here is. Why did they put it in their website that they can issue a check refund as an alternative? Can't they make an exception - with what is going on in the world right now? They should be able to override this. Chase is not a tiny credit card company. 

Really Disappointed, XXXX P.S. I have a very good credit score and I am not a difficult client of Chase. Before this happened, I was ready to open a bank account with them - now? - no thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX/XXXX {$0.00} XXXX XXXX - XXXX {$1300.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX Cc : 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 2020-06-03 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: IL

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting lates in XXXX and XX/XX/2020 on the XXXX XXXX partial account number ****XXXX. ( Please see pages attached from my credit report. ) I contacted the lender and make specific arrangements for deferred payments due to my inability to pay during the Corona Virus Pandemic. I was assured by the representative that I spoke with that I would NOT be charged any lates and that no lates would be reported on my credit report. Unfortunately, they did not keep their word on our payment arrangement and reported the lates to the bureaus any way. This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX {$18000.00} XXXX XXXX XXXX  XXXX {$5600.00} XXXX XXXX  XXXX  {$580.00} XXXX  XXXX  XXXX  {$18000.00} XXXX  XXXX  XXXX  {$3600.00} XXXX  XXXX {$0.00} XXXX XXXX - SOUTH {$1300.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX Cc : 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 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I'm trying to do an international transfer using XXXX from my PNC bank account to my bank in XXXX. 
The first time I did this it worked fine. Now when I try to do a second transfer, then PNC will not let XXXX  connect to PNC. I guess they don't like competition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
We started a loan application for a small mortgage with Rocket Mortgage back in XX/XX/2019. The home we were purchasing was new construction and therefore we had to wait for completion of the home. 

We sent in early in the process all the documents requested. Our closing date was set for XX/XX/XXXX and we were under the impression all was ready to go. On XX/XX/XXXX, we received a closing settlement statement. At the time I informed Rocket Mortgage that they had the incorrect amount of money we had already paid the builder from earnest money and for change orders. They were {$100000.00} short of what we had actually paid. I tried several times to message them and have it corrected with no response. I finally signed the incorrect papers I believe on XX/XX/XXXX, a few days before the expected closing since I was not getting a response. On Tuesday, XX/XX/XXXX I was informed that they had received the paper and that they now needed 4 business days to review and that was pushing our closing back to XX/XX/XXXX. 

At this point we were very unhappy because if we had been responded to in our messages trying to correct the error it would have given us more time for all the requests that would be coming our way. Once they realized they were off {$100000.00} they began auditing our account and asking every single day for more and more documentation, pushing our closing back day, by day, by day! Additionally the people reviewing our documents don't know what they are doing and don't seem to understand what a financial statement looks like! Every day I send new items and every day they find something new they want. We are currently waiting as they review more of their request and no set closing date. 

We understand that they need to see where our money comes from but they have had almost 6 months to get what they supposedly needed, not request it the day before closing, making us wait for who knows how long to be able to close. We have showed them the statements showing the large deposit of money from the sale of our previous home into our accountant in addition to the settlement statement from that sale showing the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
I recently had a new Approved with OopsLoan acct # App-XXXX {$2700.00} Amount of finance and total payments {$4700.00} Annual rebate is 169.86 % Company located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Is that legal to charge Over 160 % on a personal loan in California? 
I used this company 3x and felt that they were overcharging me on The interest rate I am a residence of Ca any max set rate for state for CA? 
Thanks you! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: KEYCORP
State: NY

Complaint narrative:
I tried disputing a transaction that I have made which was a total of {$54.00} purchase which was the date of XX/XX/2020 at XXXX. The Name of the company is XXXX. 

another thing is unemployment had put in my money for the month of XX/XX/XXXX and the money was never on my card and i called XXXX and they never answered the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
Someone stole my identity and got a loan with a company called XXXX XXXX. They've been trying to collect it for over 5 years. I've sent documents related to the identity theft four times now and they still are trying to collect. It keeps getting sold off to other debt collection agencies and they keep trying to collect this debt. 
I will no longer keep sending documents when when I have done it so many times. I believe the original date was XX/XX/2015and approximately {$2000.00}. I did not receive any funds from this company and I will not pay them or any of the five collection agencies that have contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: NJ

Complaint narrative:
^^Dear Government, My name is ****XXXX XXXX** I am repeating my complaint about incorrect information that exist in my credit report. I have been trying to reach out for some changes over a year but it never works. There are some " '' inaccurate '' '' addresses and employment information that are reported in my credit report. I and our association have no relationship with these records and assume that it would cause unexpected affect to my credit report. Here are the addresses and employment information that need to be corrected : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO _XXXX XXXX _LOCAL XXXX XXXX  XXXX   XXXX, NY & & & & & & & & XXXX **ADDRESSES REPORTED _XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY 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 2020-06-03 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
A door to door salesperson came to my house trying to sell me a home alarm system. HE asked me to fill out an application and I repeatedly told him I did not want to if it would result in a credit check. He reassured me multiple times that it would not result in a credit check. After enough of his statements to me did not make sense, I ended the sales pitch and did not sign up for anything. A day later, I got a credit alert saying my credit was run and now it is impacting a home loan. I called the company the day after the credit alert as well as their lender who checked my credit, Citizens Bank, and they all agreed to remove the inquiry. Turns out, they didnt. I never consented to a credit check and they specifically told me there would not be a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been asking the credit bureaus to delete these unknown addresses on my report since XX/XX/XXXX. 

Equifax has an inaccurate address of : XXXX 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  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I need them deleted off of my credit reports they do not belong to me. Not my primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For the past few months I have been contacting TransUnion and the companies that they have listed on my credit report wrong. I have not applied for these accounts that was opened in my name. I have nothing from these people and have no clue why this is on my credit report. I have send you all a police report, proof of my identity and social security card. I don't know what else you want from me. I need someone to help me get rid of this headache and get this problem solved once and for all. Please remove this information that is not mine. It is against the law to report things that do not belong to a person. These accounts for Dept of Ed/XXXX XXXX XXXX along with attempts to open other accounts that I did not request from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. It would be a great relief for you to get this mistake corrected and these accounts deleted.

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 2020-06-03 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: GA

Complaint narrative:
I submitted a dispute and affidavits, I got a response accusing me of using a credit repair company. I am very offended because, I feel as if I am being accused of being incapable of disputing information on my credit report on my own. I've educated myself and I see how you guys are in violation with credit reporting and I dont appreciate the hardship these inaccurate reportings have caused me. I demand these FRAUDULENT accounts be removed within 30 days. I also demand a response from the bureaus in 10 days. If I dont get a response in a timely manner, I will be filing a complaint with the office of the Attorney General. This is Very insulting and it seems to be a stall tactic to delay this FRAUDULENT info from being removed from my credit. I understand the benefits of bureaus reporting inaccurate info because that means more revenue for the bureaus. You guys have abused me long enough. I DEMAND THESE ITEMS BE REMOVED.

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 2020-06-03 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: GA

Complaint narrative:
I submitted a dispute and affidavits, I got a response accusing me of using a credit repair company. I am very offended because, I feel as if I am being accused of being incapable of disputing information on my credit report on my own. I've educated myself and I see how you guys are in violation with credit reporting and I dont appreciate the hardship these inaccurate reportings have caused me. I demand these FRAUDULENT accounts be removed within 30 days. I also demand a response from the bureaus in 10 days. If I dont get a response in a timely manner, I will be filing a complaint with the office of the Attorney General. This is Very insulting and it seems to be a stall tactic to delay this FRAUDULENT info from being removed from my credit. I understand the benefits of bureaus reporting inaccurate info because that means more revenue for the bureaus. You guys have abused me long enough. I DEMAND THESE ITEMS BE REMOVED.

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 2020-06-03 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XXXX of this year I contacted all of my creditors and told them that I was being forced to shut down my XXXX XXXX of 19 years cause of the pandemic so all creditors agreed to allow me 2 months at first and then it was extended so can try and get back on my feet and barclaybank reported me for being late in XXXX to the XXXX  credit bureau, I have since asked to pls remove that and I have asked XXXX  to dispute it and they are all just playing with me, it is my only negative mark on my record and if I recall the federal government announce some time in XXXX that no ones credit rating would be affected negotiable by the pandemic.

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