vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 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: COMMERCE BANK
State: IL

Complaint narrative:
There is a charge on my credit card for a product that I never received and would like to dispute. It is a computer keyboard that was supposed to arrive on XX/XX/2021 but I still have not received it today on XX/XX/2021. The merchant does not respond to any communication. Please dispute {$170.00} charge from XX/XX/2021 from XXXX, XXXX CA XXXX US. I've tried to initiate a dispute online and messaged Commerce Bank customer service as well via the online portal, but neither has been successful for initiating the dispute so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Informative Research
State: DE

Complaint narrative:
- Informative Research pulled my credit on XX/XX/XXXX which is fraud. 
I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX pulled my credit on XX/XX/XXXX & XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

-XXXX XXXX/XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I have been sending two payment monthly to my mortgage loan servicer ; one for the monthly payment amount and one for an additional principle payment. In each of the past three months of XXXX, XXXX and XXXX the additional principle payment was processed and posted as if it were a regular monthly payment. I have called each of those months and pointed out the error and asked for them to note my file so that the error would not happen again. In both XXXX and XXXX the error was corrected and I was assured that it would not happen again. I called yesterday and was told that it was my fault and that I should pay online if I wanted the payments applied correctly. This is directly opposite of what I was told previously. When I asked for a supervisor I was parked on hold and never retrieved. My Calls were made on XX/XX/XXXX and XX/XX/XXXX and those payments were reversed, then correctly posted. I should not have to call every month to push PennyMac to apply the payments properly. I have never had this issue with any other lender and it appears that they do not have any intentions to correctly post my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: MoneyLion Inc.
State: TX

Complaint narrative:
I alerted the company ( MONEYLION ) that someone opened an account fraudulently using my information. They acknowledged through their investigation that indeed the account was opened fraudulently. It was initially opened in XXXX and I alerted them. Even after they found out that its fraud they are still reporting it to the credit bureau and its showing me 60days past due. I need them to stop reporting it and remove my information from this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on credit reporting agencies. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  CAXXXXD Account Number : XXXX This is not mine. 

5. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Hi, I ordered some clothing from XXXX ( Comenity Bank ) and returned them when I lost my job from COVID. I never even opened the packaging. They have received everything back and that was confirmed with XXXX, but they are charging me {$78.00} + {$39.00} + XXXX in late fees and also finance charges. I explained to them and have all the correspondence with them whereas I ask them to remove the late charges as I lost my job and can not pay them. The first lady said when we received the last item ( which was backordered - I did tell them not to send to me ) we can go ahead and remove the late fees and finance charges however they are not willing to help me out and I find it crazy to pay late fees for items I retuned as soon as I got them. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
Transunion has stop reporting my payments on my XXXX credit card. Which has negatively impacted my score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021 I electronically wired {$12000.00} from XXXX to Bank of America. While I entered the BofA account correctly, for some reason BofA reversed the wire and kept {$45.00} of the transfer. I have never been a customer of BofA and never plan to be, yet they kept money of mine that is not theirs. On XXXX 's website there is a wire fee disclosure of only one amount {$25.00}. XXXX never discloses that if there's an issue with a wire the OTHER bank at which you are not a customer of can keep some of your wire fee. This is a scam and I want to be refunded my {$45.00} from BofA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
Transunion has stop reporting my payments on my XXXX  credit card. Which has negatively impacted my score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have recently tried several times to correct my personal information with TransUnion, XXXX XXXX XXXX XXXX, my name, address and employer are being reported incorrectly the only one reporting all correct is XXXX. 
The first attempt was via telephone did not work, My second attempt was via certified mail which I included a copy of my XXXX Drivers license, social security card, work ID and a most recent electric bill to both TransUnion and XXXX but as you can see on the documents I`m going to upload they still haven`t corrected the problem and I continue to send them certified letters but as you can tell no progress has occurred. 
I am in the process of obtaining a mortgage and the banks are asking me why do have so many different names or variations of my name. 
I am deeply sadden that a simple task like correcting personal information has become so difficult for TransUnion and I would like to get help in getting this issue finally corrected. 
My name is : XXXX XXXX Not : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX. 

my only address is : XXXX. XXXX XXXX  XXXX. XXXX XXXX, NY XXXX My only employer is : XXXX. XXXX XXXX and 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 2021-07-29 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: CT

Complaint narrative:
On XX/XX/2021 I sent a letter to LVNV funding LLC for reporting inaccurate information to the credit bureaus. The company refuses to delete or provide adequate proof of debt claimed. They are still reporting this inaccurate item as it is still on my credit report XX/XX/21

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
On Monday, XX/XX/XXXX Ally Auto Finance received my payoff for my XXXX XXXX XXXX & as of todays date there is still an outstanding & open loan. The last 2 days I've called Ally Auto and spoken to their offshore representatives that displayed no interest in my concern & denied my request to speak to a Supervisor. On XX/XX/XXXX I spoke to XXXX from the Consumer Solutions & she was unable to confirm that the payment processing center is processing my payment. Furthermore, I was advised it could take 7-10 business days to process which is UNACCEPTABLE for it to take that long. I'm trying to purchase a home & I need to provide proof that this vehicle loan to Ally was paid off. Everyday that my account remains open I get a daily interest charge of {$8.00}. XXXX  tracking # 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 2021-07-29 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: TX

Complaint narrative:
I alerted the company ( XXXX  ) that someone opened an account fraudulently using my information. They acknowledged through their investigation that indeed the account was opened fraudulently. It was initially opened in XXXX and I alerted them. Even after they found out that its fraud they are still reporting it to the credit bureau and its showing me 60days past due. I need them to stop reporting it and remove my information from this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: AL

Complaint narrative:
On Wednesday, XX/XX/2021, I received an email from Chime that said my account balance was low. Because a family member has previously attempted to steal my identity, I took this email seriously. I went to the Chime login, typed in my email address and clicked that I'd forgotten my password, and soon I was able to reset the password and log into an account. The routing number is XXXX and the account number is XXXX. I saw that there had been two transactions associated with the account, each in the amount of approximately {$5.00}. 

I contacted Chime via email and explained the account had been fraudulently opened and should be closed immediately. I received a response that I would need to provide identification in order for them to do anything. I sent them a copy of my Certified Fraud Examiner credential and they did agree to lock the account, but insisted that I provide a copy of my identification such as a drivers license in order for them to take further action. I refused to do so because I do not know if the persons I would emailing with were a part of the scam. 

If Chime is a legitimate banking outlet they are not reliable. There is a flag on my information with XXXX  and so this account should have never been opened without my knowledge or consent. 

I am asking that you investigate this incident and this bank - if it is a bank - and get to the bottom of how this happened. 

Thank you, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alisa Katz Campbell, P.C.
State: MA

Complaint narrative:
I've paid this loan off in full and this collection company keeps calling me asking for money saying they going to take me to court over XXXX dollars

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiFinancial/HomeDepot has incorrectly charged me late fees as well as negatively impacted my credit for 30 days late payment for a debt I was never informed of ( credit impact was XXXX 2021 ). I have tried repeatedly to get some assistance from CitiFinancial, calling several times and speaking to reps informing them I was never informed of a debt. I had the account reps review my contact information, which for some reason was completely wrong. They had mailing addresses that I don't reside in, phone numbers I do not own and an email address that does not belong to me. The reps informed me they would submit dispute to resolve and every time i called back it was not filed properly on their end. I escalated up to executive teams and they still did not resolve my issue stating the debt was valid. I am not disputing the debt, I have informed them time and time again that how was I to pay a debt they never informed me about not by email, mailing address or phone call. Can someone please help me with this case, I feel as my credit is wrongfully being impacted, as I have never been late with anyone ever, as my credit report will reflect and this has dropped my score down 60+ points a time when I am trying to refinance my home. The amount of the debt was {$100.00} which was paid in full at the time i called the first time, the only way i was informed of this debt was when my XXXX  account flagged me for late payment and showed the decrease in my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: NY

Complaint narrative:
I have an existing auto loan with Santander XXXX  that was open XXXX of 2018. It has then come to my attention that this lender was part of a class action suit shortly after. 
After referring to the legal website where the information of the class action suit was obtained, it appears that I indeed to qualify for relief. 
Prior to my knowledge of the lawsuit, I have questioned my loan with the lender on numerous occasions. 
I also ave reached out to the company in efforts to get more information, where they were know help at all. 
A year later, I am still getting run around between Santander & the Attorney generals office as to how I can obtain information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A credit card debt I had went to collections XX/XX/XXXX and the amount of {$3400.00}. I never received notification of the original court date. This judgment never showed up on my credit report and I have finance automobiles applied and received more credit cards. 
On XX/XX/XXXX the balance is {$8800.00}. Midland funding LLC turn the account over to a law firm in XXXX Florida XXXX, XXXX, XXXX XXXX. 
In XX/XX/XXXX I received my paycheck and it was {$420.00} short and my pay stub said debt reduction. I contacted my employer state of Florida and was informed that they were served with papers for garnishment. 
The state had to file back and is deducting my wages {$420.00} every 2 weeks. I had no notification I would be garnished or that Midland funding LLC would pursue this after 14 years. 
I'm XXXX woman single income and can not think about retirement because of this debt. 
{$900.00} taking out of anyone 's check monthly is catastrophic. 
I contacted the state of Florida and they were unable to give me any legal advice, I did contact the law firm XXXX XXXX and XXXX who told me there was nothing they could or would do. 
I explained the devastating hardship and I feel that this has been deceptive practice and taking advantage of a senior citizen. 
The case number filed in XXXX county Florida court is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: TN

Complaint narrative:
I received mail from AMCOL SYSTEMS saying I owed a alleged debt. AMCOL SYSTEMS listed XXXX XXXX XXXX as the original creditor. AMCOL SYSTEMS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. AMCOL SYSTEMS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indicating debt collection business. XXXX XXXX XXXX XXXX is in VIOLATION Pursuant to Title 15 u.s.c 1681a ( 3 ) Restrictions Of Sharing Medical Information & VIOLATION Pursuant to Title 15 u.s.c 1692c ( b ) Prohibits Communication with anyone except consumer, consumers attorney, or credit bureau concerning the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally financial has a charged off a car loan that doesn't belong to me. I have reached out to them multiple times as well as the 3 major credit bureaus. I haver asked to see the persons ID and the signed contract this has gone unanswered. from 3 credit bureaus and ALLY. the amount they claim I owe is ALLY FINANCIAL {$7500.00}

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 non-monetary relief