vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: TX

Complaint narrative:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts in my report.

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 2020-04-28 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: FL

Complaint narrative:
Equifax refuses to remove fraudulent and inaccurate information off my credit report. I have filed several disputes to no avail. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND THEY PRETENDED TO BE ME AND THEY OPENED FRAUDULENT ACCOUNTS AND CHARGES. I HAVE REACHED OUT TO BOTH COMPANIES AND THEY HAVE NO PROOF TO PROVIDE TO ME WHO HAS OPENED THE FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/2020-I purchased an electric stove/range unit from Best Buy. It was damaged, but the merchant refused to take it back. This was the case even after I informed the Senior Executive Resolution Specialist at Best Buy that by selling me a defective and non-conforming stove, they were violating the implied warranty of merchantability under Article 2 of the Uniform Commercial Code. The charge was {$1300.00}.

XX/XX/2020-Unable to get any response from Best Buy, I contacted my credit card company, Citibank, to start a dispute case. Citibank issued me a conditional credit of ( {$1300.00} ). 

XX/XX/2020- A credit of XXXX XXXX XXXX was issued. Best Buy finally agreed to take back the damaged stove. Best Buy picked up the stove on XX/XX/2020. Since I was just glad to put an end to the whole incident, I did not object to the small difference of {$19.00}. 

As the email in the attachment indicates, I was advised by Best Buy to contact my credit card company Citibank, as there were now 2 credits on my statement. I contacted Citibank and we agreed for Citibank to reverse its prior conditional credit and to close the dispute. 

XX/XX/2020-I was charged under Best Buy for {$1300.00}. I called Citibank and verified that this was for the reversal of the prior unconditional credit. It was what I expected to take place as mentioned before. 

At this point, I have a net charge of {$19.00}, after accounting for the two charges and two credits. The small charge was fine with me, as mentioned. 

HOWEVER- XX/XX/2020-Best Buy recharged me {$1300.00} for the stove which I returned. 
When I contacted Citibanks dispute department ( over 3 times, with each wait time averaging 1 hour during this very unsettling Coronavirus hardship period ), I was told by them that since I agreed to close the dispute, there was nothing they would do to assist me further.

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 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion continues to report negative information on my credit report. I have disputed several times to no avail. They are in violation of the FCRA. These accounts do not belong to me they are fraudulent or inaccurate.

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 2020-04-28 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:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts in my report.

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 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
After reviewing the credit report, there are a number of issues regarding the unfamiliar derogatory accounts on the credit file. XXXX XXXX XXXX account XXXX has medical bills that are unfamiliar. Account has updated the status of XX/XX/XXXX, however, the date of service is different. Due to the LAWS of JACHO institution offers financial assistance when patients experiencing hardship. XXXX XXXX XXXX received financial hardship forms regarding balance. When the follow-up appointment, i was informed debt was satisfied.

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 2020-04-28 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
After reviewing the credit report, there are a number of issues regarding the unfamiliar derogatory accounts on the credit file. XXXX XXXX XXXX account XXXX has medical bills that are unfamiliar. Account has updated the status of XX/XX/XXXX, however, the date of service is different. Due to the LAWS of JACHO institution offers financial assistance when patients experiencing hardship. XXXX XXXX XXXX received financial hardship forms regarding balance. When the follow-up appointment, i was informed debt was satisfied.

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 2020-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one allowed an account to open in my name. Account # XXXX. 
They originally sent me an letter in the mail, stating the account will be closed, removed and deleted from my credit reports, which did happen. They began reporting the account AGAIN, then it was removed AGAIN. Now, it's back showing on my XXXX  credit report. Capital has also been calling me multiple times per day, which i believe is harassment and sending me emails stating the account is due for an payment to get back in good standings. The account placed a WRONG address on my credit reports as well, that i'm still battling with the credit bureaus to delete the Wyoming address. I never lived in Wyoming!! 
I pay all of my bills on time and have zero negative items on my credit reports. 

XXXX  has deleted this item on XX/XX/XXXX report # XXXX, which they verified with Capital One that the account is not mine before they deleted it, Then again on XX/XX/XXXX report # XXXX. 

Capital One also responded to the CFPB on XX/XX/XXXX complaint number # XXXX that the account would be deleted from my credit reports and closed permanently. 

I am a victim of identity theft and i receive credit reports each month to watch out for things like this. 

I demand Capital One to stop contacting me about account # XXXX and remove their negative reporting from my XXXX   credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: GA

Complaint narrative:
I purchased a netspend card on XX/XX/2020 and loaded {$160.00} into the card. When I got home and tried to activate the card online I was given a phone number to call saying my card could not be activated online. I called the number and was placed on hold for 45 minutes. Finally I was informed I had to email a picture of my drivers license and a letter or bill with my address and it would take 6 business hours to process. I did this and 6 hours later received an email that stated the documents had been approved but they also needed a pic of my social security card. Even though the letter I sent in was from the IRS and my social was on it. At the time all I could find was a photocopy of my social so I sent that. Again had to wait 6 hours. Email came that said it could not be a photocopy. I found the letter the social security office gives you to use until your card comes in the mail. Sent that in. 6 hours later email came that said the email I sent was blank but I have the confirmation of transmission that clearly shows it wasnt. I call netspend. Waited on hold for 2 hours after being hung up on 3 times and was told they could issue a refund check but it would be 10 business days before I could receive it or I could resend document. By this time I'm furious. I again send it. Again was told it was blank 6 hours later. I found my social security card took a picture of it and sent that. Waited 6 hours no response. Called and was on hold 45 minutes. Then was told they never received an email. Again I have the confirmation of transmission. I tried to contact someone higher up in the company but was told i would receive a call from an analyst within 3 business days. Now at XXXX XXXX eastern time on XX/XX/2020 the card still is not activated. I have not received a call back and i still cant access the money i loaded on the card. I need help.

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 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
My wife and I recently filed a chapter XXXX bankruptcy and in response my mortgage company ( Quicken Loans ) charged me {$950.00} in legal fees for " objection to plan ; {$450.00} '' and another {$500.00} for " proof of claim fees ''. This is not right, was not agreed to and is just bad business. The creditors have not even met with the bankruptcy court yet and our plan does not reduce or alter the current mortgage payment. Filing bankruptcy is prompted by financial distress and is not suppose to be an opportunity for your mortgage company to charge {$950.00} in legal fees. Formal written notice of this action was sent to us by mail on XX/XX/2020 by a law firm based in XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Quicken Loans added the {$950.00} to our XXXX mortgage statement/billing. Please e-mail any other further questions you may have and thank you for your time and consideration regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
During the month of XXXX 2020, I contacted PHH to inform the company not to pay my homeowners insurance due on XXXX XXXX, 2020. It was my decision to pay myself. I also informed the representative that I would be paying off the balance of my escrow in XXXX and XXXX of 2020 to lower my mortgage and avoid any more interest payments on escrow monies owed PHH. PHH informed me that they would send a form that I must sign and return to them. The letter of instruction was sent to me and returned signed via USPS in XXXX 2020. My mortgage payment at the time was $ XXXX/month which included an escrow payment of {$360.00}. Additional information found for the month of the XXXX statement was {$1500.00} owed towards the escrow. On XXXX XXXX, 2020 I paid a total of {$1500.00} which included the {$810.00} towards the mortgage payment. In addition, the amount of {$770.00} was applied towards the escrow. The amount {$770.00} paid was designated in the escrow category on their website. On XX/XX/XXXX20 I spoke with a representative of PHH to ensure that it was recorded for the specific amount to lower my escrow owed. The representative assured me it would be updated and my new monthly payment would reflect a change. Upon reviewing my newest online information on XX/XX/XXXX20 it was found that my new monthly payment was {$790.00} due on XXXX/XXXX/20 however, there was no indication that I paid {$770.00} towards the escrow. After contesting that the previous two months escrows were never applied towards the stated {$1500.00}, the representative then explained I made an over-payment and {$170.00} would be refunded to me by mail. In further review of the XXXX statement it was discovered that my new escrow payment was now {$2800.00}. On XX/XX/XXXX20 to confirm our agreement of my sole responsibility to pay my own insurance it was learned from their representative that they have no written information of my signed release. After debating my previous conversations it was charged to the representative that I would be escrowing my taxes only and paying my homeownwers insurance out of pocket. The representative explained to allow PHH at least 10 working days to update my account of which they have disregarded to do from previous telephone conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Ive been staying with a friend of mine and that person has been using my cards and using my information, I asked her if she used my stuff she told me no she didn't but she's the only one around that would personal stuff, after I removed myself from staying with that person, so basically navy federal has not help me all from XXXX till XXXX all my money from school was used plus she's was calling in from my phone open up claims where I had to close out the account and Get a new phone navy federal has denied my claim twice regarding this issue I just want my money and that's all I have already tried to file a police report and I can't, they won't because they don't know if its her. I had to file for identity thief due to this person, also she didn't use just my navy federal she used my XXXX  XXXX and XXXX XXXX which has successfully called XXXX and told them about the transactions and they have emailed saying that they can give me a letter regarding the information and they would help in anyway to try to get back the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I have a letter from the attorney of Consumer Portfolio Services stating Consumer Portfolio Services would discontinue pursuit of the debt. The company stated they stopped reporting years ago. However, on XX/XX/2020 it shows still being reported as owed debt. This is stopping me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2020, american express closed all my credit cards without fair reason. Before closing, i have XXXX membership reward points and XXXX pending points, plus {$100.00} + cashback on my account. 

After closing, they just drained all these points and my cashback. I have already paid about 4x $ 550+ $ 295+ {$95.00} annual fee ( total $ 2600+ ).  After renewing these credit cards and paid all annual fee within less than several month, they cancelled my accounts and my cashback and points. 

This is unfair and really disappointing. I demand the annual fee refunded and give back all my rewards points ( XXXX ) and cashback. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have been in the middle of a refinance for about 6 months. So I would not have opened any new credit. I received an email stating that there is a late payment on my credit for a PPC account. I never opened up this account and now there is no one to speak to at paypal regarding this!!! Again, I am in the middle of a refinance on my house and my credit score just dropped only who knows how much because of a missed payment on an account that I didn't open up and there is not one single person to speak with about it. Oh goodness I am over the moon with frustration right now. The reporting agency can report a derogatory status on my account but not answer phone calls! Is that even legal? Shame on you Paypal! I sincerely hope there is something you will do to fix this. I have not been late on a payment in years ... ugh It is item number 17 on my credit report at the top of page 10/33.

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 2020-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I a letter from XXXX XXXX Card indicating there were unauthorized transactions to my new card in the amount of XXXX. A card that I did not receive! Apparently someone used this card fraudulently. 
I contacted XXXX and they told me that they are in a process to close the account but they never did. Not only that, they keep sending letters requesting a payment and warning for penalties. I requested that these transactions do not appear on my credit report and to issue me a new card. Although the bank rep promised that they won't report this to the credit bureaus I recently found out that they actually did and that effected my score dramatically. Up until this incident has occurred, my score was around 750  and afterwards it went down to around 570.

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 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
on XX/XX/18 XXXX XXXX placed a collection account on my credit profile for the amount of {$2000.00} which I do not owe. I did not open this account, I did not authorize this account to be opened in my name, I had no knowledge of this account. The original creditor is listed as SYNCHRONY BANK ( Banking ). Which I do have accounts with and all are in good standing. I tried contacting Syncrony 's fraud  department and they claimed to have no record of an outstanding unpaid balance under my name. The only accounts they have record of are the accounts I currently have which again, are in good standing. 
I have tried disputing this with both XXXX XXXX over the phone which they claimed an investigation would take place and I would be mailed the results, that never happened. 
I filed a dispute with all 3 major credit bureaus and they came back as " VERIFIED AS ACCURATE '' but could provide no information how it was verified as accurate and told me to take it up with XXXX XXXX. I have tried in good faith to resolve this issue and I find myself constantly being shifted around from one company to another trying to have this 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 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Im trying to use XXXX XXXX to pay my rent but it says PNC will not allow it.. I need as much help as I can get during this pandemic & my bank is stopping me.. thats not right. I have a newborn  to care for.

Company response to consumer: Closed with explanation