vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase said I qualified for points worth {$1100.00} without stipulations and post close has decided that I did not qualify and has refused to honor their offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made a purchase order using XXXX ( because the scammer leads me to ) and once the payment went through the scammer disappeared. Only after 3 hours after I got SCAMMED and while it shows as processing, I contacted Bank of America at XXXX to stop the transferring amount of {$2400.00}. However, surprisingly the first representative only created claimed and didn't really take this as a serious fraud but a personal issue! At XXXX I called again and spoke with different representative XXXX, she was more willing to help but again she only created claimed and didn't stop the fund ... 

Based on my research Bank of America in the past did very similar things to a customer who got scammed and he ran to a local Bank of America and the manager told him they can not stop the transferring.. and get a lawyer to fight for the amount. 

15 Years of a royal customer at Bank of America.. I am super disappointed that they didn't jump on this like family matters since I entrusted my money to this bank instead of others. 

This action is not out of hatred but I have 100 % proof of document shows you we can get the money back from the recipient 's bank and work with XXXX as well to get my {$2400.00}.

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
A security freeze was placed on my LexisNexis report on XX/XX/2020. I also placed a freeze on my XXXX XXXX XXXX XXXX report on XX/XX/2020. I do have verification for these freezes if needed. LexisNexis has continued to verify personal information reporting to my credit report post-freeze. I have letters from XXXX ( XX/XX/2020 ), XXXX  ( XX/XX/2020 ), and XXXX  ( XX/XX/2020 ) stating that public records on my report were verified using LexisNexis. I received a letter from the courthouse stating that they do not sell or report public records concerning bankruptcy filings to any third party agencies or credit bureaus. The reporting from the three major bureaus do not match one another as they are required to. I have disputed the inaccuracy of the reporting and nothing has changed. The court names are incorrect, the filing dates do not match and they are incorrect, the reference numbers are all different. I have disputed this information with XXXX, XXXX  and XXXX multiple times and the information comes back verified each time with the same response : " obtained through a third party vendor LexisNexis Risk Data Management Inc. ''. I know that the law states that the bureaus are required to report all accurate information on consumer reports, and that has not been the case for me. I am aware that data obtained for a consumer report must be validated through the original furnisher and the original furnisher stated in writing that they do not share info with 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover closed my account for know reason upon getting approved of the credit card they took me through various verification process I supplied my bank statements proof of address and paperwork from irs validating my identity exc. I barely use card and pay on time for 3 months as covid19 approach they paused usage of card and ask me to sign a release form from irs from filings of XXXX being that irs was shut down and they werent able to get verifiable information they ask me to submit 3 months bank statements for verification I submitted and I noticed through XXXX  that they flagged account saying its closed. With know explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: AL

Complaint narrative:
Supposedly, the case was open on XX/XX/2014. The debt amount is {$1200.00}. I was in XXXX XXXX and I wasnt aware of the situation being filed on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: GFS II, LLC
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from GFS II LLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have an American Express Delta Skymiles credit card. I am a self-employed person and due to Covid-19, my business was in a disastrous situation and i could not make my credit card payment on time for the months of XXXX and XXXX. In the month of XXXX, after receiving unemployment benefits, I received some money and immediately paid off the entire statement balance on my American express credit card. 

However, they charged me an interest of {$52.00} and {$34.00} for the two months along with two late fees of {$39.00} each month. I called American Express customer service several times and requested them to waive these interest charges and late fees as this was due to an extreme hardship as a result Covid-19 situation. 

American Express flatly refused to waive these interest charges and waived only one late fee of {$39.00} for XXXX. i am requesting that the interest charges for these two months and the late fee for the month of XXXX should be waived as this was a hardship situation for me. 

I also expect American express to show some empathy towards consumers and not engage in predatory and unethical business practice as i believe they demonstrating during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CAPITAL ONE AUTO FINANCE located at XXXX XXXX XXXX XXXX, TX XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have two credit cards with the XXXX XXXX XXXX XXXX XXXX. Both cards are being correctly reported to XXXX and XXXX, but not to TransUnion. 

The issue is, my {$500.00} card reports on the XXXX of each month, and it shows up on TransUnion 's page. Then when my {$1000.00} card reports 7 days later, the {$500.00} card disappears off of my report. 

Then when the XXXX of the next month comes around, the {$500.00} card reports again and bumps off the {$1000.00} card. My XXXX XXXX takes a hit because it says my available credit dropped by 50 %. 

This cycle has continued since I opened both cards in XXXX of 2019. 

My credit union and TransUnion kept blaming each other. When TransUnion finally finished their dispute resolution, all they thought was that I have one credit union card, when I have proof that they know of both cards. 

I have a XXXX XXXX credit card with a credit limit of {$250.00}. I mention this because I have included screen captures from TransUnion 's website, showing my available credit at various times.To show that TransUnion knows that I have two credit union credit cards.

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 2020-06-05 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover closed my account for know reason upon getting approved of the credit card they took me through various verification process I supplied my bank statements proof of address and paperwork from irs validating my identity exc. I barely use card and pay on time for 3 months as covid19 approach they paused usage of card and ask me to sign a release form from irs from filings of XXXX being that irs was shut down and they werent able to get verifiable information they ask me to submit 3 months bank statements for verification I submitted and I noticed through XXXX that they flagged account saying its closed. With know explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 without warning my 3 accounts with Capitalone 360 ( 2 checking and 1 savings ) were frozen because my sister transferred {$33000.00} and {$39000.00} from her account in Nigeria to one of my checking accounts on XX/XX/2020. The bank made be believe originally that the transfers were fraudulent, but after further discussions with my sister and my local bank manager with a different bank it is my belief the accounts were frozen because of the country of origin. I have not received any written communication from the bank detailing the reason for the accounts being frozen, process of investigation and resolution and duration which the investigation must conclude. I waited a couple of weeks thinking the funds would be transferred automatically to one of my other accounts with a different bank that was linked to the Capitalone 360 accounts, but that has not happened and my attempts to talk to someone on the phone have resulted in me being directed to voicemail and told to leave a message and I will be called back. That has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I supplied my information for a new Heloc application with Bank of America, I advised that the reason for the application was that I just completed a refinance and my existing Heloc with Bank of America was part of the closing requirement to have closed. Both my wife and myself have credit XXXX, enough equity to qualify as we had an existing one with the bank. I was asked after the application was submitted and they ran credit, to send additional documents for the final closing and was verbally told it was approved. I sent income and other personal information. A few hours later I was called and advised that because I no longer have my first mortgage with the bank, they declined me. I was not only confused on why they would initiate a credit application when I advised them I dont have my first mortgage with Bank of America, they agreed to reverse the hard credit pull, still pending a letter that shows that it was reversed. I also asked since they took the application and ran credit, to provide a decline letter. I thought this is my right, I have not got a decline letter. I am asking for 1 ) A letter showing the credit correction and that they have updated the credit inquiry from a hard hit to soft hit or full removal. 2 ) I am asking for a decline letter showing reasons as I thought not only is my right to have the reasons, it would be out of compliance to take my application and not tell me the decision in writing.

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 2020-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Hi, Regarding Loan # XXXX When I took this loan out it was at a 17 % interest rate. Ive paid close to {$24000.00} and XXXX XXXX paid over {$6000.00}. I got in a car accident on XX/XX/XXXX I literally had just made a payment that morning before the car accident. I was told that they would be willing to settle at the beginning of XXXX. On XX/XX/XXXX a check was disbursed Santander claim they didnt receive it. That happen 2 more times in a 4 month period until it was paid finally in XXXX of XXXX. I went to file a claim for Gap  insurance I took out when I received the loan. They did not give me any information on the criteria or policy for payouts. Santander multiple times express when the check comes in they would back dated. They intentionally did not post 3 checks from XXXX  until we literally tracked the 4th one. I called and told them we had proof someone from there office signed for it and then it get posted by this time my loan is now with the charge off dept. this should not ever happened it was intentional. They wanted me to continue to make the payments and collect the settlement amount from XXXX. They agreed to this settlement amount but continue to reach out to me for the remaining balance of over {$4000.00}. If anything they should be giving me a 3rd of what I have paid back and apologizing for not holding the loan in a status where it would not go to the charge off queue backdated the check so it would post accordingly without all that extra17 % interest occurring on a DAILY SIMPLE INTEREST LOAN!! They truly ripped me and my father whos XXXX years old hes had 4 XXXX  and this has impacted us in such an emotional, physical and financial way that I have no words to say only thing I can do now is file a complaint. Lets be clear I paid that loan without any issues if I needed help I made them fully aware with this unrealistic interest rate of 17 % with a co-signer and it being a Daily Simple Interest loan. Im so angry and hurt with all of this. This is highway robbery. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: WI

Complaint narrative:
It appears to be a XXXX  so can't talk to anyone. They never send any information to verify the debt. So I am unsure of validity of any debt. They call usually XXXX times a day. They have called other relatives as well telling asking for me and telling them they are bill collector. They have told other family members about debt, but they never sent any letters or anything. Yet they call. 
I believe they have violated the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: eMoneyUSA Holdings, LLC
State: WI

Complaint narrative:
Emoneyusa has charged me more money than I should've had to pay because on, one of their representatives sent me a personal email with another account holders information when I asked if they could push a payment back till my next payday. This email came after I called the company and explained to them that my employment got effected by COVID-19 and I need another week to pay my payment. The representative told me over the phone that they would be able to do that. When I got the email showing a mixed up of client information, I contacted the company twice to fix this before they would pull a payment out of my account. The problem was not corrected as promised, a payment was pulled and put my bank account in the negative. 

Also, I did pay the loan off in a timely manner and the account is closed. However, now it is still being reported on my credit report as having a balance of {$360.00}. I contacted them to ask them to update this information and they still haven't done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: TX

Complaint narrative:
This complaint is not related to my other complaint that I filed last week. 

I received an offer for a monthly payment plan when I logged in to my CLOSED account online. I accepted and it gave me two option to choose : 1. .9 % APR with a low monthly payment until balance is paid but " THE ACCOUNT WILL REMAIN CLOSED '' 2. 11.9 % APR with a low monthly payment and " KEEP YOUR CHARGING PRIVILEGES '' I selected option # 2 and accepted higher 11.9 % APR so I could keep charging privileges. I made the required payment and chatted with an online rep. He told me that my account will stay closed and will not have any charging privileges. I told him that it was DECEIVING AND FALSELY ADVERTISED and requested him to let me select option # 1 but he refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc.
State: AR

Complaint narrative:
Medical Data Systems was sent a letter asking to validate the alleged debt from Arkansas XXXX XXXX. Medical Data Systems did not adhere to the REQUIRED 180-day waiting period from when the alleged debt was supposedly acquired as outlined by law that details that it may not be reported to any credit bureau during this time. Furthermore, Medical Data Systems is in violation of HIPPA guidelines as I DID NOT consent to medical and XXXX XXXX to be shared. Lastly, Medical Data Systems did not provide an opportunity for me to ask them for validation of the alleged debt during the waiting period. 

Additionally, Medical Data Systems has been very unprofessional and believes it is being comical by signing a certified mail card " Covid-19 '' instead of the representative actually acknowledging receipt of the letter sent ( see attached ). Millions of people have been affected by this pandemic and it is no laughing matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 
FTC Compliant # XXXX usps tracking XXXX  XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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