vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
AmeriHome Mortgage increase my mortgage payment stating that I didnt have enough money in my escrow account and because of that they paid the City and school taxes and now I owe them that money. According to the City AmeriHome havent paid the taxes and now I have been sued by the city for unpaid taxes. I had called numerous times to AmeriHome to get to the bottom of this situation however, they have failed to provide proof of the payment of the taxes.

I had to hired an Attorney to help me solve this situation. My attorney sent a letter to AmeriHome and were waiting for a response and he advised me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I made a balance transfer using my Capital One Quicksilver card for the amount of {$700.00} back on XX/XX/2021. Capital One on their part, sent the check for the amount of {$700.00} to a different financial institution ( XXXX XXXX  ) and this financial institution cashed the check even though it didnt belong to any of their accounts because I dont have an account with XXXX XXXX  . Now both, Capital One and XXXX XXXX  are refusing to help me with this problem. I have made multiple attempts to get this problem solved and both banks are refusing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
If you refer back to my complain # XXXX you will see that I was experiencing the inability to get into my account for several months. During that period of time I had lost my XXXX  from XXXX in the way of the XXXX coin. When the XXXX  of XXXX was announced back in XX/XX/2019 coinbase assured us that if we held or XXXX with them at the time of the snapshot everything would be automatic through Coinbase. Due to my not being able to access anything in my account I didnt receive my airdrop whiich by my records in my tax documents from coinbase amount to about XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27 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:
Some one used my SSN to get services and apply for credit. Now its showing on my credit with Inquiry and Charge offs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: TN

Complaint narrative:
I am disappointed that my credit file is not corrected even how many times I disputed the listed items. XXXX and Equifax proceed their investigation and also removed items that I mentioned. I've already told you that my report contains accounts that are the results of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I send {$100.00} To XXXX in a Bank. There was a mistake account number. But the money transfer company saying they deposited the money. But they can not show any proof of that. When we talk with local bank, They are saying The Account number & the Recipient name has to match other wise it will not deposit in the Account. I has trying to Explain this to money transfer company but they are not corporations with me. I just want my money back. The money transfer company name WorldRemit. Transaction Number : XXXX. Date XX/XX/21. Amount {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: GA

Complaint narrative:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 190 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be 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 2021-10-27 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: MD

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' should be excluded from consumer report. I demand that XXXX, TransUnion, and XXXX remove these transactions from my reports immediately as they are a violation of my rights as Federally Protected Consumer under 15 USC chapter 41.

15 U.S. Code 6801 - Protection of nonpublic personal information Pursuant to 15 USC code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to any company to furnish my reports to any consumer reporting agencies.

Pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports, the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. 

XXXX, TransUnion, and XXXX have been reporting consumer credit transactions without the consumer 's authority. Congress did not give them authority. Pursuant to Fair Credit Reporting Act 602. ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. 

With all the information provided above for example, XXXX, TransUnion, and XXXX have been reporting without my consent a case that is in XXXX since XXXX. The alleged attorney claims to be representing XXXX  XXXX XXXX and the Trustees. This issue has caused me to be ineligible for COVID Small Business Loan. The max cap was {$500000.00}. I'll be providing this evidence when I am ready to assess actual damages. BUT NOW I AM GOING TO BUY A CAR SO I DO NOT NEED THIS CREDIT ISSUE TO HAPPEN AGAIN.

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 2021-10-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CA

Complaint narrative:
I have a BK reporting on my credit report that does not belong to me, I am a victim of ID theft and have sent several letters to Transunion regarding this along with my police report and they refuse to remove it.

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 2021-10-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
I have been an outstanding customer and absolutely enjoy my Military Star Card. However this year and last year have been incredibly difficult as I know it has been with everyone. My wife is a XXXX XXXX and in XXXX of 2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month I brought my account current and worked very hard to stay on top of everything and in XX/XX/2021 I lost my father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily and my XXXX and XXXX payment suffered. I have been working extremely hard to keep my good payment history and account in good standing and I paid off my account in full in XXXX of 2021. I called the customer service phone number on XX/XX/2021 to ask if the late payments could be removed from my credit report due to XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Military Star card in good standing.

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 2021-10-27 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: MD

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' should be excluded from consumer report. I demand that XXXX, XXXX, and Equifax remove these transactions from my reports immediately as they are a violation of my rights as Federally Protected Consumer under 15 USC chapter 41.

15 U.S. Code 6801 - Protection of nonpublic personal information Pursuant to 15 USC code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to any company to furnish my reports to any consumer reporting agencies.

Pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports, the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. 

XXXX, XXXX, and Equifax have been reporting consumer credit transactions without the consumer 's authority. Congress did not give them authority. Pursuant to Fair Credit Reporting Act 602. ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. 

With all the information provided above for example, XXXX, XXXX, and Equifax have been reporting without my consent a case that is in XXXX since XXXX. The alleged attorney claims to be representing XXXX  XXXX XXXX and the Trustees. This issue has caused me to be ineligible for COVID Small Business Loan. The max cap was {$500000.00}. I'll be providing this evidence when I am ready to assess actual damages. BUT NOW I AM GOING TO BUY A CAR SO I DO NOT NEED THIS CREDIT ISSUE TO HAPPEN AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I filed a dispute with XXXX and the Credit Company. I sent 2 letters to both entities I have requested an answer to unauthorized charges that I refused to pay off. 
XXXX offered a credit due to the inconvenience and I asked the card to put an identity theft alert and the first time they apologized and blamed the first customer service representative. The second time I was told that unauthorized charges are theft when a beautician practices were shady at best. I kept her present from my birthday and told me I could smoke if I let her do my hair for an event on my birthday. When at the counter my charge was double and told the beautician I couldnt go over XXXX and was quoted a XXXX and paid that to the credit card company but the rest as I said to the teller and refused to sign and ignored and processed a card not in my legal last name or address in file and walked out. I was under the impression the manager would reach out and until I seen double on my bill i called and they still refuse to give me the investigation and XXXX will give a credit and thats fine they can than pay the balance for unauthorized charges without a resolution and ignoring every complaint. admitting and giving a credit on email and being charged and hit on credit card is illegal and want this resolved please. my last attempt to arbitrate a illegal transaction and failure by a credit card to shut down a card or resolve any issues showing my signature. Why? there is not one and refused and the beautician needs to speak up as she remembers and needs to be honest when a client cancelled on her and told me she had time to play. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1. I made a car rental reservation with XXXX XXXX, XXXX on Chase travel portal using the Chase reward points on XXXX 2021, which is worth of {$410.00}. It was a prepaid trip from XXXX to XXXX, 2021. 
2. When we got to the XXXX XXXX on the night of XXXX, they spent over 30 minutes to go through the paper work and asked us to buy a car insurance before we can pick up the car at the end. We were asked to pay almost additional {$400.00} total for the insurance and they told us it was mandatory by XXXX XXXX. This was our fifth time in XXXX and also not the first time renting car. We understand there is one basic liability insurance mandatary and it has to be included in the quoted price by law, which we already prepaid through Chase. On the other side, I am also attaching the Chase/XXXX XXXX XXXX policy document here for the reference. It stated in second paragraph of page 5 : Third party liability insurance is included in our car rental contract already.

3. Since it is totally nonsense for us to purchase additional insurance, we declined to take this option. If this is something mandatary by XXXX, we have every right to be informed before we booked the trip. We already felt this was a fraud and at the end, they didn't give us the car. 
4. I contacted Chase credit card travel center multiple times to report this potential fraud and ask for my rewards refund for the trip few days later. Chase informed me on XX/XX/XXXX they can't refund me my rewards because XXXX denied my request. And the decision is final.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc.
State: NJ

Complaint narrative:
In XX/XX/2016, I purchase a weekly timeshare at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. The contact said that the membership may go up or down. The prior is always the case never the latter even with COVID-19. Aspen National Collection ( XXXX ) XXXX has added almost {$900.00} to the maintenance fee

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I have had my auto loan for 5 years now XX/XX/22 will be my last year. I have missed a few payments during covid. I am slowly catching up in 5 years of making payments I have paid XXXX dollars for my car now the payments I have missed and I am still about XXXX behind. with all of that paid, I have only paid off 5 % of my XXXX loan somehow! I have 14 months left and still owe. almost XXXX even tho I have paid XXXX with 14 months left on my loan if I make all my payments that only adds up to XXXX $ I feel so defeated that I have paid almost XXXX of my hard-earned money to see I never made a dent in loan and even after 72 months somehow will still owe! This has to be iilegal

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 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My issues are complex and unique in nature and i havent been able to resolve any of the issues that have been in existance since discovering them in XX/XX/XXXX. I know for certain that i am a victim of synthetic identity theft and fraud. I am unable to view any of my credit accounts because passwords and user name and id 's have been changed, so i dont know what was used, expecially my XXXX account! How am i supposed to figure out what my credit scores are if i am unable to view them because i can not get into them! I need help with these issues because i am trying to fight fraudulent attacks that use mine and my childrens personal data!

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 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My issues are complex and unique in nature and i havent been able to resolve any of the issues that have been in existance since discovering them in XXXX. I know for certain that i am a victim of synthetic identity theft and fraud. I am unable to view any of my credit accounts because passwords and user name and id 's have been changed, so i dont know what was used, expecially my XXXX account! How am i supposed to figure out what my credit scores are if i am unable to view them because i can not get into them! I need help with these issues because i am trying to fight fraudulent attacks that use mine and my childrens personal data!

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 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I was getting my unemployment and my stimulus checks I was putting them in my chime account I thought everything was fine nothing changes every week I was filing exact same thing and then one week they just decided to close it and ever since then I didnt know there was anything I could do about it I just read an article that told me to write you guys and Id like to get my money back I dont know how much is in there probably about {$5000.00} Ive been complaining to everybody That will listen but nothing so far hopefully you guys can help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: OK

Complaint narrative:
I had a XXXX Chase credit card. I paid off my balance last month. I locked my card. I incurred a charge for a yearly subscription of a magazine. I went ahead and paid the balance of the card again. I contacted the Chase and explain to them that I do not want any additional transactions to occur on this account. They informed me that as long as the account was open and any fees or subscriptions would still be processed. So then I had them transfer me to the department to close the account. After they closed the account, they then told me that any fees of subscriptions would still be processed. 

I informed them with me closing this account I am no longer authorizing them to pay or provide credit for anything in my behalf. I expect those transactions to be declined and treated no differently than if I didn't have the available credit balance on hand for them to be processed. They told me that it doesn't matter and that if something comes through they will still process it.

Company response to consumer: Closed with monetary relief