vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2020, at XXXX XXXX, I went to a local XXXX Bank of America ATM to withdraw {$200.00} from my prepaid XXXX  card. The ATM disbursed only {$160.00}. I went immediately inside the bank, and was told to contact the bank. I contacted Bank of America and they said that because this is a prepaid card, they can not help me. I would like a difference of {$40.00}. Please see receipt from the ATM attached. I would think that if the ATM looks at the transaction number and the ledger from the day, it would notice this discrepancy.

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 2020-07-14 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-07-14 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
{$4000.00} debt sent 609 dispute letter XX/XX/20

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 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED BANKSHARES, INC.
State: MD

Complaint narrative:
Well before I signed an intent to proceed, or was even able to review the initial disclosures, I was charged a mortgage appraisal fee in the amount of $ XXXX.The fee was charged on XX/XX/2020. The initial disclosures were made available through George Mason Mortgage 's intranet and I was not granted access to view these documents until XX/XX/2020. I did not sign an intent to proceed until XX/XX/2020. This was all done despite my proclamations that I was still reviewing mortgage lenders and had not decided to proceed with George Mason. I was assured that my card would not be charged. I was also mislead about the interest rate offered by George Mason.  I believe George Mason charged me the appraisal fee before I signed an intent to proceed in order to lock me in with them. George Mason deceived me and acted unethically throughout the entire process.

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 2020-07-14 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I contacted American Express in XXXX and advised I was affected by covid and needed assistance for a few months. I advised them I would make a payment and paid the amount in XXXX. After I paid the bill, the account was reported as late for XXXX and closed which affected my credit. I would like for the reporting to be accurate just as it was at first and the account reopened. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reporting agencies XXXX  and Experian has not sent me Validation for account on my report XXXX  XXXX XXXX XXXX Account # XXXX. On XXXX XXXX I sent out a letter for Validation of a account XXXX  XXXX XXXX XXXX on my credit report. One XX/XX/2020 i send out a letter for validation in which they have 15 days to respond showing me how the account was Validated. On XX/XX/2020 i sent out a method of validation follow up with the bureaus and this account remains on my report and i have not received validation. XXXX  could not validate the account and they have removed it from my credit 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 non-monetary relief
Consumer complaint received 2020-07-14 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX-DSP-XXXX-VER-XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX-DSPXXXXVER-XXXX {$0.00}

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 2020-07-14 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX-DSP-XXXX-VER-XXXX {$0.00}

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 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is refusing to update or provide me with an accurate credit score and frequently do not update my account. They are refusing to provide me any information on my account until I provide them with proof of identification ... I have gone through all their verifying questions and have provided them with sensitive information over the phone that proves my identity. I asked them why they are asking for proof of identification and they wont tell me why ... I had faxed them a request for dispute well over a month ago and I would like information on that now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: HI

Complaint narrative:
Received paper letter from Fiserv saying it paid a utility bill on my behalf from a bank account I closed and that I owe them the money. The bank account # they referenced was not mine, but I did have an account at the bank they mentioned that I did close. They had my full name and address correct. They said to call Fiserve at XXXX but I'm not doing that. The mailing address for Fiserv on the letter is XXXX XXXX XXXX XXXX, OH 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 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OH

Complaint narrative:
{$58.00} I sent a 609 dispute letter XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: AR

Complaint narrative:
I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit 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 2020-07-14 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: AR

Complaint narrative:
I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit 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 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I got a collection letter, did not know why. checked to find I was a victim of I.D . theft I filed a report.with F.T.C. and local police.Sent all to C.R.A. and usaa savings bank. the information was removed from my report. Then it showed back up on my report. I tried to get it fixed, but was denied due to it already investigated. after some time I was told by XXXX  Fraud department that usaa reported to them that they had proof that I opened the account. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Credit Card - Revolving Terms

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian should not be reporting a collection/chargeoff in the amount of {$2100.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account should be reporting a {$0.00} balance. The vehicle was involved in an accident and the insurance company deemed it a total loss. There is no outstanding balance due and therefore nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flatonia Investments, LLC
State: WI

Complaint narrative:
They pre-approved the mortgage for a condo in XXXX TX, then 6 days prior to closing they backed out of the deal - claimed my income ( > {$200000.00} per year ) would not support the loan, even if I put 50 % down - the cost of the House is {$360000.00} - I suspect they just did not want to extend the loan, and they feared they would lose money on it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX with limit of {$1000.00} was hacked and charges ramped up well past the limit. Fraudulent attempts at payments pulled from my XXXX XXXX account. AMEX allowed over {$7000.00} in charges. XXXX reversed all payments to them. The XXXX account has since been closed. AMEX will not explain how they allowed these charges to exceed {$1000.00} or how they could allow 10-12 attempts to get payment of the AMEX account in a single day. 

AMEX calls every day including Sundays for collections. At this point, I am still attempting to fix this and other issues with XXXX and preparing filing a complaint against AMEX for fraud and negligence. The AMEX account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Resurgent Capital Services XXXX. XXXX  XXXX XXXX, MI XXXX Original Creditor XXXX XXXX XXXX Current Owner LVNV Funding LLC On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Unless I notify within 30 days of receiving letter, they will assume debt is valid and obtain judgement. 

I responded each time requesting a copy of the original " Bill of Sale ''. 
They respond by sending a " Account Summary Report '' that any one could make up in an XXXX  Spreadsheet. 

To date they fail to send what is requested. Odd that after replying in XXXX, I have not heard anything until this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I booked a rental car in XXXX for XX/XX/2019. The reservation confirmation email ( attached ) shows the booking confirmation for the reservation with the total cost of the rental car {$280.00} - which I have paid in full. A deposit of {$56.00} upon making the reservation and the balance of {$220.00} was due to be charged to my card. Instead XXXX charged {$340.00}. I disputed the additional {$120.00} through my credit card, an appropriate channel, and XXXX did not respond to the dispute or justify the additional charges. See letter from credit card company dated XXXX XX/XX/2019. If XXXX believed the {$120.00} overage was due them they had 90 days to respond to the letter from my credit card company which they did not do. XXXX XXXX ( my credit card company ) found no liability for the {$120.00} and reversed the charges on my credit card. 

I have paid the agreed upon amount ( {$280.00} ) in full and no claims of outstanding monies owed are justified. 

Now XXXX has handed this {$120.00} debt off to Cedars Business Services for collection who sends constant emails ( and I believe phone calls, although they will never leave a message ) despite me giving them the facts of the case. 

My credit is impeccable and as you can see from my credit report, I pay legitimate amounts I owe in a timely manner. Always.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2020 I deposited {$1200.00} via bank transfer into Venmo as I have created an account with their peer to peer payment service for the first time. That payment cleared this morning and upon attempting to use their service I was unable to retrieve any money from the account. They notified me that it would be 8 to 10 business days before someone would get in touch with me from account services in order to fill me in and provide the help I need to utilize their service. They stated the account was frozen. I demanded to have my deposit refunded and to terminate my account with their service, that demand was met with an explanation that there is nothing this particular associate could do to help me and I would have to wait to be contacted. 

This is predatory in nature as I have nothing on my credit report or history pertaining to PayPal, Venmo or anything of the sort that would lead me to believe perhaps fraud taken place under my name that I was unaware of. I have a business which utilizes PayPal to conduct transactions. The more appropriate way to put it is that we used PayPal before we ran into so much trouble with them, there was large scale, in my sense, maybe {$1000.00} or {$2000.00} total within a 60 day period where A client whom I have a long-standing business relationship with and was paid for several years via traditional check for the service I provided that same client fell into financial hardship and decided to go on a tirade with several companies they did business with, me being one, and disputed every single payment they had ever made over the course of a 2 to 3 months. In an effort to retain money and keep their business afloat. PayPal refunded their money, after I sent them a 2 year history of payments issued to my company by that client, they still sided with the consumer. I can only presume that my dispute with PayPal through my business account is why Venmo would knowingly accept a deposit for {$1200.00} with the intention of keeping it. 

However I do believe that is far from the issue as a business account held by an LLC would protect me, the individual, if I chose to open a personal account under a subsidiary of Paypal in Venmo. Their practices are predatory and deceptive they allowed a deposit to come into their account knowing full well they had no intention of me being able to use it any issue they have with my business does not pertain to myself as an individual and after reading what I read online I could not believe how many people were taken advantage of in my opinion by Venmo. Someone please help me with these guys as they have way too much money for me to try to take to court.

Company response to consumer: Closed with explanation