vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$3300.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX 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 2020-05-14 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Per Previous Complaint # XXXX The ( XX/XX/XXXX ) TD Bank letter stated that they would credit my account within 3-5 Business Days. As of this date ( XX/XX/XXXX ), the two charges are still on my account and/or there was no credit issued. I searched the original charges and also reviewed all credits to my account in XXXX. I made a phone call Thursday ( XX/XX/XXXX ), left a polite detailed message, and have not received a return call. 

I understand the companys response to my complaint I understand what they were supposed to do ; however, they never followed through on their promise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Started on XX/XX/XXXX, when a charge of {$1800.00} was made at a target in XXXX, Delaware. I called because i saw the charge and i disputed and they were supposed to lock my account. But the account was not locked so on the XXXX of XXXX, two more charges were made at a XXXX  for {$770.00} and {$1800.00} in the same state of Delaware. Mind you i live in Virginia  and i just got back from basic and XXXX. I've never been to the state of Delaware. USAA told me that i authorized the charges when i never did. Then it continued when they still hadn't locked my account. On XX/XX/XXXX, two faulty checks of {$5000.00} and {$4200.00} were deposited in my account. Then the money was sent out through XXXX XXXX and XXXX XXXX, i called usaa and opened a fraud claim and assured them that i did not cash in these checks. After a couple of days they came to the conclusion the checks were indeed faulty and they would be resent. And since i am the owner of the account i am liable. i lost {$5600.00} of my own money i had before this and now i will have to pay them almost {$10000.00}. The checks do not have my signature on them, and they are from states i have never been in. USAA have concluded my claim and they will not review it anymore. Also i have just received my bonus on XX/XX/XXXX and they are using that to pay off faulty checks i had no business in doing. The checks have my name on it but they are not my signatures, they were also not deposited through my phone. USAA in all honesty have not helped at all and have mislead XXXX with info for three weeks straight now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I asked XXXX  and Transunion on to conduct a investigation per section 605b of the FCRA. I sent them a copy of a FTC AFFIDAVIT NOTARIZED AFFIDAVIT AS WELL AS A FTC IDENTITY THEFT REPORT. 
I sent all request certified mail ON XX/XX/XXXX OF 2020 or with delivery tracking. They refused my blocking request of the information because they cant meet the time guidelines set forth by the FCRA. XXXX  said no on XXXX by letter to the blocking request with no reason why? But said they would do a regular investigation which simply gives them more time then what is set forth by the FCRA FOR SECTION 605B. Not giving a legitimate honest reason why is a violation of my rights by law. Transunion on XXXX sent a letter and said no that they had investigated in one day and had clearly not investigated anything and offered to do a regular investigation into the identity theft. I WILL SUE ALL OF THEM IF THEY DO NOT GET THIS CORRECTED. THIS IS CAUSING ME FINANCIAL DAMAGE.

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 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
21st Mortgage called me and since last month I was struggling but I was able to make the payment but I let them know this month I need help, I asked for help and I spoke to two representative which started to harass me. I answered the questions and after I told them how much I was bringing in I was told then I could make the payment just like that and I told the person I have other expensive and If they could just send me the application and instead I was sent to XXXX ( Ext XXXX ) supervisor who continue to tell me the same thing and argue with me. It was very shocking to hear how I was getting harass other the phone and think to myself that they base the decision on the conversation or they trying to not help and force the customer to pay there bill. And then I called back and XXXX answered and I told her I would like to speak to someone else and she passed the phone to XXXX ( Ext XXXX ) because I just want them to send me the application and instead I got harassed by another customer service rep and this time I answered his question and then I got lectured that I am not going to be able to offered this mortgage, started to tell me that this is a 23 years loan and etc and I was just listening shocked, and I asked him how did he come up with this conclusion and how is this going to help me being lectured with my mortgage payment. And Mr. XXXX said because you just told me you were going on XXXX because of health reasons. I told him how does being XXXX  making you XXXX  for the rest of your life or even saying I am going on XXXX because of health reasons make you disable for the rest of your life. Mr. XXXX said you didn't mention that you were XXXX and if you want us to work with you, you need to tell us everything. I felt harassed and didn't understand how this was helping me resolve my issue and Mr. XXXX assumed and he didn't ask more question because I good customer rep would of asked so how long does your XXXX going to last instead I was yelled at that why I didn't mention I was XXXX  and I was just shock on how the customer reps took an answered and just assumed without asking more details. In the end I was told by Mr. XXXX that I could pay my mortgage because I bring some income in. That was it, it was based on my answer that I bring some income in. I told Mr. XXXX that I have other things I need to pay or buy for instance food and gas to go to work and pay other bills. Horrible why of helping customers at this time of need ( coronavirus ). If I would of know that I was going to get harassed over asking for help at a time of need I wouldn't of called. Its not right the way I was treated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is regarding credit card transaction dispute which is denied 2 times from credit card provider. The claim was submitted for moving service company who overcharged me for transferring my household stuff from XXXX, Ohio to XXXX XXXX, New Jersey. 

Transaction date : XX/XX/2020 Credit card company : Bank Of America Amount disputed : {$730.00} I have provided all the details to them including receipt and contract but again and again they are asking for the original receipt. I have provided enough proof to indicate that movers company is overcharging me for the service which they have provided but the bank was unable to resolve my claim.

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 2020-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: IL

Complaint narrative:
Received notices from Simm Associates, XXXX XXXX XXXX, XXXX, DE XXXX, dated XX/XX/2020 addressed to both myself and my wife regarding debts owed to XXXX University XXXX. We were not aware of these debts and never received any bills related to them from XXXX. The dates of service noted on the two letters were the same and the amounts alledgedly in dispute were the same. I spoke to XXXX on XX/XX/2020 and they indicated that they do not do business with Simm Associates, that we had no services on the dates listed, and that we did not owe XXXX the amounts involved. I left a message for Simm Associates on XX/XX/2020 and did not receive a reply. 

I called Simm Associates again on XX/XX/2020. Their representative stated that they would transfer me to the " person in charge of my account '' ( but they had not yet asked me for any identifying information ) but they stated that " they were not available ''. The person then said they would try to help me, I just needed to give them my name, address, and date of birth. I noted that I had their account number on their letter and wouldn't that work, and they responded that without my information they couldn't find my account. I stated that I would not give them my date of birth. The representative said that without my date of birth they could not help me and hung up. I believe this is a fraudulent action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-14 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I have been with XXXX XXXX XXXX for 2 years now. I get alerts from XXXX XXXX  about everything, because I am trying to buy a home. I fight very hard to maintain a great score & do not understand why XXXX is claiming I owe {$800.00}. 
The debt is not my debt & I find their actions, along with Diversified ADU SVC unlawful. I ask that a contract is presented, so that they realize the error & remedy this accusation to all credit companies. 


Gratitude!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.

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 2020-05-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: GA

Complaint narrative:
XXXX XXXX reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.

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 2020-05-14 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-14 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX {$2800.00} XXXX XXXX   XXXX {$760.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$160.00} XXXX   XXXX {$3100.00} COLLECTIONS XXXX {$25.00} XXXX   XXXX {$400.00} XXXX XXXX {$810.00} XXXX XXXX {$500.00} XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: LJ Ross Associates
State: MI

Complaint narrative:
I moved out of my apartment in XXXX of 2014. I closed my XXXX XXXX account and paid my last bill. 
About 8 months later, I was told that I owed another {$490.00} which was obviously incorrect. This must have been the amount owed by the current occupant of the apartment. I on multiple times, tried to have XXXX XXXX remove the amount, but they sent it to collection with LJ Ross Associates. 
I have contacted LJ Ross over 12 times to remove the incorrect information from my credit rept, and they have refused each time. 
Please remove this collection from my credit report, I pray. Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/XXXX, I applied for a VA Mortgage Loan from Navy Federal at 2.75 % with 1 Discount Point at 1 %. I was pre-approved and have since placed an offer on a house ( XX/XX/XXXX ) with a loan amount of {$280000.00} with a discount amount of {$2800.00}. During the option period, I tried to contact my Loan Officer several times via email and phone to secure the rate. The Option Period ended on XX/XX/XXXX and only today XX/XX/XXXX did my Loan Officer inform me that there will be an additional 1.5 % or {$4200.00} in Orientation Fees. I stated that the website advertising the rates and the pre-approval paperwork did not state the additional Orientation Fees. After I brought it up, the Loan Officer talked me to find in a very obsure location the Orientation Fee information that is clear only an internal employee would know to find. At this point, I asked my Loan Officer why she did not reply to my emails or phone calls to discuss this information and lock down the rate prior to my Option Period ending. She did not provide a response to her delays beyond the option period. I asked to speak to her supervisor and later her supervisor called. The supervisor could not explain why the Orientation Fee is not located next to the advertised rate similar to the Discount Points and why the Loan Officer would not respond to my requests to resolve the interest rate while I was still in the option period. At this point, I will lose {$3500.00} in Earnest Money and I was informed there will be an additional 30 days in processing the loan. In Summary, ( 1 ) Navy Federal was not clearly advertising their true cost for interest rates and put in a location only employees would know to look. ( 2 ) Did not provide any Orientation Fees documentation in the Pre-Approval paperwork that was used to put an offer on the house. ( 3 ) The Loan Officer would not respond to phone calls and emails when directly asking about the Discount Points charged even when I specifially outline the math involved during the option period when I could walk away from the home purchase contract. Only after the option period did the Loan Officer inform me of this additional {$4200.00} in charges. ( 4 ) The Loan Officer Supervisor could not explain why the information was not located next to the interest rate, like the Discount Points, on the website and why the Loan Officer did not respond to my communications during the option period when I could have avoided the additional {$3500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
The original apartment XXXX XXXX  states I owed last months of rent from a lease XX/XX/2016. I paid by money order in the office and then years later National systems a third party debt collect places debt of {$470.00} on my credit but sent a letter saying I owe real {$750.00}. 

How it is that you dont have my payment but yet you are providing misrepresentation of the amount you claim I owe. 

The document has no interested added but I list of fees I never had to pay with my rent in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank - Breach of contract We are including part of the evidence in this document as Chase bank continues to refer prior withdrawals to try and cover-up. 

On XX/XX/XXXX at the Chase branch on, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, GA XXXX At approximately XXXX XXXX  as the video will show, we walked in and requested a withdrawal - which was denied by the branch, and I was told by both the Teller and Head teller they were not able to provide me my money. This is most likely due to the complaints I have had with Chase bank and their practices. prior. This caused a tremendous pain and suffering as I was not able to withdraw much-needed cash. 
We have given Chase Bank ample time to atone for the breach of contract, even after admitting over the phone they continue to state a different date of withdrawal.

Company response to consumer: Closed with explanation