vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-06 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: LA

Complaint narrative:
There are 4 account listed on my report. I have dispute these multiple times and these are not mine. I have XXXX and XXXX and have not had any procedure these don't cover. The original credit is showing credit bureau services I have no idea what this is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: AR

Complaint narrative:
I had requested an extension on monthly payment For world finance in XXXX Missouri and signed a paper for a 3 month extension. About a month later I got a call from them asking for payment. I told them that I was aware of an extension until later and they said it was only a months extension and requested immediate payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XXXX at XXXX central time i believe her name was XXXX called from Synchrony bank in re my Amazon credit card that is in collections with them. I adv that she is illegally calling me outside of approved hours and would be filing a complaint.

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 2020-09-06 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: TX

Complaint narrative:
I have repeatedly dispute the following items several times and the credit reporting agencies have refused to remove them from my reports. 

XXXX XXXX XXXX {$3900.00} XXXX XXXX {$4400.00} XXXX XXXX XXXX {$9600.00} AD XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$7500.00} All have accounts reporting to the credit bureaus and none have provided me any information of me signing documents or doing any business with them directly. I have demanded 3 times that these items be remove or verified that i have direct business with them and I have not received anything.

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 2020-09-06 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: LA

Complaint narrative:
There are 4 account listed on my report. I have dispute these multiple times and these are not mine. I have Medicaid and Medicare and have not had any procedure these don't cover. The original credit is showing credit bureau services I have no idea what this is

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 2020-09-06 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: LA

Complaint narrative:
There are 4 account listed on my report. I have dispute these multiple times and these are not mine. I have XXXX and XXXX and have not had any procedure these don't cover. The original credit is showing credit bureau services I have no idea what this is

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 2020-09-06 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: MN

Complaint narrative:
My XXXX XXXX XXXX XXXX Visa credit card is lost/stolen. The balance of {$150.00} listed on my Equifax credit report is fraudulent charges and balance. The balance of {$150.00} listed on the XXXX XXXX XXXX   account is all fraudulent charges and transactions due to my XXXX XXXX XXXX XXXX Visa being lost/stolen. The XXXX XXXX XXXX missed payment on time is due to fraudulent charges. The following credit inquiry listed on my credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a Lowe 's credit card and was denied because of " High Risk Source of Applicant '' I called several times for an explanation and got no answers. 
My credit score is in the 800 's. I have little debt and a high income. 
I checked with the 3 credit reporting agencies and there were NO soft or hard inquiries from Synchrony or Lowe 's. 
I don't know why I was denied but it seems arbitrary since my credit was not checked at any time.

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 2020-09-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-09-06 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: TX

Complaint narrative:
I have repeatedly dispute the following items several times and the credit reporting agencies have refused to remove them from my reports. 

XXXX XXXX XXXX {$3900.00} XXXX XXXX {$4400.00} XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$7500.00} All have accounts reporting to the credit bureaus and none have provided me any information of me signing documents or doing any business with them directly. I have demanded 3 times that these items be remove or verified that i have direct business with them and I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: TX

Complaint narrative:
I have repeatedly dispute the following items several times and the credit reporting agencies have refused to remove them from my reports. 

XXXX XXXX XXXX {$3900.00} XXXX XXXX {$4400.00} XXXX XXXX XXXX {$9600.00} XXXX  XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$7500.00} All have accounts reporting to the credit bureaus and none have provided me any information of me signing documents or doing any business with them directly. I have demanded 3 times that these items be remove or verified that i have direct business with them and I have not received anything.

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 2020-09-06 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX my husband and I went to chase branch to open a joint account. The woman that helped us had no problem opening our account and we deposited two checks into our new account for a total of {$690.00} and {$530.00}. 
Our account was closed on Monday XX/XX/2020 I have yet to receive a notice that my account is being closed and the only reason I know is because the app restricted my access. When I called Chase countless time for answers everyone was incredibly rude! No one told me when I would receive my check, why my account is closed, and what is happening? I was told I would receive my money back in 7-would days! Its been more than that my family and I are missing over {$1000.00} chase was incredibly rude and all I want now is my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: MN

Complaint narrative:
My XXXX XXXX XXXX XXXX Visa credit card # XXXX listed on my Experian credit report is lost/stolen. The balance of {$140.00} is all fraudulent charges and transactions due to my credit card being lost/stolen. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020

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 2020-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I used XXXX to send someone money, using my Citi Card Cash Rewards Card ( {$370.00}, on XX/XX/2020 ). 

After the fact, Citi Card charged exorbitant fees, including interest, despite being enrolled for automatic payment and always paying complete balance on time. 

I am sure Citi Card included the information about exorbitant fees, including interest, and that using XXXX is considered a cash advance, in the FINE PRINT of the INNUMERABLE PAGES OF THINGS THAT I MUST AGREE TO TO HAVE A CREDIT CARD AND THUS FUNCTION IN MODERN SOCIETY, but I do not have a law degree, nor an MBA, nor hours to research every transaction I perform in modern society. 

THESE FEES ARE EXCESSIVE, HIDDEN, AND TAKING ADVANTAGE OF CONSUMERS. THESE FEES MUST BE MADE EXPLICIT OR RULED INVALID. I am certain the banks love them, AND THUS THE CURRENT LEADERSHIP OF THE CFPB, BEING IN THE HANDS OF INDUSTRY, I'M SURE LOVES THEM AS WELL.

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 2020-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.

Complaint narrative:
I was contacted by XXXX XXXX XXXX who offered attractive investments and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX is not regulated in XXXX, where I reside, nor in the USA where the Merchant and its beneficiary pretended to be registered. I now understand that XXXX XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. 
XXXX XXXX XXXX instructed transfer payments to a Beneficiary called XXXX XXXX XXXX  XXXX XXXX which bank account is at CITIBANK, New York. ( invoice attached ) 2 transfers were executed for a total amount of {$25000.00} to this account : USD {$18000.00} sent XXXX XXXX, XXXX ( receipt attached ) USD {$7100.00} sent XXXX XXXX, XXXX ( receipt attached ) When I found out that it was, a scam, a Lawyer sent a letter to the Beneficiary in XX/XX/XXXX. No reply was received. ( Letter attached ) XX/XX/XXXX, A lawyer sent a letter to CITIBANK. No reply was received. ( Letter attached )

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 2020-09-06 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: TX

Complaint narrative:
I have sent complaints to the CFBP and XXXX about some entries on my Experian report. The companies are XXXX XXXX and XXXX XXXX. Both of these companies responded that these tradelines will be removed from my Experian report. I have attached both responses from both companies. Please read the responses in entirety. Please remove both companies from my report as soon as possibleas this is hurting my ability to obtain financing for a new house.

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 2020-09-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called and written Equifax several times regarding the inquires on my credit profile which are : XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I have no open accounts with these companies and Equifax refuse to updated this inaccurate information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: MD

Complaint narrative:
XX/XX/XXXX - I asked JFQ not to start my loan process on XX/XX/XXXX after he gave an origination cost of 3.5 % point and a high loan closing cost on XX/XX/XXXX while other bankers quoted me of a 1 % - 2 % of origination cost. 

XX/XX/XXXX - I sent him another email to reassure that the origination cost he quoted was too high and not to process my loan. 

XX/XX/XXXX - ignoring all my requests, JFQ sent me an email that " your loan is now underwriting ' in email. I responded to the email " how? '' I did not authorize the process and I did not put down the downpayment for the appraisal. 

XX/XX/XXXX -- I did not hear from him so I sent him an email again not to process mine on XX/XX/XXXX. But he keeps moving with my loan process ignoring me even though I did not make the downpayment for the process for the appraisal. Because of JFQ 's unauthorized process, XXXX can't process my loan. 

XX/XX/XXXX - JFQ continually ignored me and processed my loan. They sent me another email that " I was conditionally approved '. 

XX/XX/XXXX - JFQ asked me appraisal payment. I sent an email again to stop. 

XX/XX/XXXX - XXXX XXXX reported me that they can't process my loan because of JFQ is in the process of my refinancing loan and requested my title. 

XX/XX/XXXX -- I contacted XXXX XXXX at JFQ again to stop using my info for the unauthorized my mortgage process and to remove my info completely from JFQ 's database. He replied with the following manner. XXXX XXXX : I've withdrawn your loan earlier this week. When did XXXX come in the picture? Lol I thought you were moving forward with the other no name bank? '' XX/XX/XXXX - JFQ contacted my company for employment verification. 

XX/XX/XXXX - JFQ sent me another email again and requested an appraisal payment. 

XX/XX/XXXX - XXXX XXXX reported me again that they were not able to process my loan because JFQ is processing my loan. 

XX/XX/XXXX - Again, I sent an email to JFQ to stop blocking XXXX XXXX 's my refinancing process. 

XX/XX/XXXX - JFQ urged an appraisal payment again. 

XX/XX/XXXX - JFQ assured me they are removing my info from their database. 

XX/XX/XXXX - XXXX XXXX reported me again that they are not able to process my loan due to JFQ processing my loan. 

JFQ committed serious violations of multiple occasions. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: PA

Complaint narrative:
To Whom It May Concern : This letter is my final communication in regarding the inaccurate entry being reported under XXXX, XXXX XXXX and XXXX. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX, XXXX XXXX and XXXX substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I have provided you with a FTC identity thief report, identity thief affidavit and matching police report snice XX/XX/2020 Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
( see attached lawsuit ). 

I have maintained careful records of your actions, and you are now required to appear at : XXXX County Municipal Court on XX/XX/2020. I am seeking {$1000.00} to {$10000.00} in damages for : - Violations of the Fair Credit Reporting Act - including but not limited to Section 611 - Violations of section 605b of the Fair Credit Reporting Act Prior to our court date on XX/XX/2020. 

If you should decide to correct your records and remove the negative and false item in question, please contact me at the address below or the CFPB, and I will subsequently withdraw the lawsuit. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX XXXX Account Numbers : XXXX XXXX Account Numbers : 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 2020-09-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I got divorced 4 years ago in the divorce I took over the mortgage payment, the home was quick deeded into my name as directed by the court. I alone have made the payments since then. My ex wife is on the paperwork I have tried to contact the company servicing the loan on numerous occasions by mail and voicemails left without a response, I am trying to see what needs to be done to have her removed from the paperwork, I do not want to have to refinance the home. This company has been unresponsive

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I had an auto loan through XXXX XXXX which became delinquent. I paid off the debt after repossession through their lawyer Aldridge Pite Haan. They reported to XXXX  and XXXX that the balance was XXXX. However for some reason they reported to XXXX  that I have a remaining balance in the thousands so I disputed it. They " verify '' that the amount is correct and now they sent that same thing to all 3 bureaus and dropped my credit which is now directly effecting my finances. I have paperwork from them which states the debt was settled in FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I sent a letter out to credit collection service requesting validation for this account. They received it on XX/XX/2020 by certified mail. I have not received no correspondence or validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation