vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested my free annual Credit report from TransUnion as I do every XXXX and they responded with a letter that I will have t pay for a 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 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
l have wrote ( 3 times ) XXXX, Equifax, and XXXX about a bankruptcy that on 3 of my reports ( US Bankruptcy Court Docket # XXXX  ). I sent them a letter on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I have the receipts to prove it ). They said they got their information from the courts or XXXX. I wrote the courts and they said they don't deal with the credit bureaus. And my XXXX report has a freeze on it, so they couldn't have done a reinvestigation. I sent them in the letters I received from the courts and XXXX and they still said it was verified. I requested to see any court documents bearing my signuture and, I have seen nothing. This has been almost 90 days. I sent them facts ( proof ) that they were not being 100 % truthful about their reinvestigation. And they could not show me any paperwork from the court making me liable for this information they were reporting about me. It's the courts job to report a bankruptcy, not the a third party vendor like XXXX. Which is a voilation of the FCRA. Plus, XXXX is verifing me by my last 4 Social Security # s. They can not do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
l have wrote ( 3 times ) XXXX, XXXX, and Experian about a bankruptcy that on 3 of my reports ( US Bankruptcy Court Docket # XXXX XXXX. I sent them a letter on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I have the receipts to prove it ). They said they got their information from the courts or XXXX. I wrote the courts and they said they don't deal with the credit bureaus. And my XXXX report has a freeze on it, so they couldn't have done a reinvestigation. I sent them in the letters I received from the courts and XXXX and they still said it was verified. I requested to see any court documents bearing my signuture and, I have seen nothing. This has been almost 90 days. I sent them facts ( proof ) that they were not being 100 % truthful about their reinvestigation. And they could not show me any paperwork from the court making me liable for this information they were reporting about me. It's the courts job to report a bankruptcy, not the a third party vendor like XXXX. Which is a voilation of the FCRA. Plus, XXXX is verifing me by my last 4 Social Security # s. They can not do that either.

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 2020-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CONTEXT : I made a payment of {$1500.00} to a social media influencer ( a XXXX ) in exchange for an agreed-upon brand promotion of my company. Everything seemed to be going to plan up until it was time for the influencer to upload his promotion, during which he proceeded to ignore me on all channels of communication and essentially just ran off with my money. I got a friend of mine to message him, and he replied to him ( but not me ), with him essentially admitting that he intended to scam me from the start. I tried to dispute this transaction through Bank of America ( with me providing irrefutable evidence that shows that he scammed me, and that I am entitled to get my money back ), but they denied my claim for some reason. I have currently appealed for a revision of the claim, but, unless something is resolved, I feel robbed of the money that should be rightfully mine. 

TIMELINE OF EVENTS : XX/XX/XXXX - Payment sent to Influencer ; ( {$1500.00} ) XX/XX/XXXX - Initial confrontation ; ( no response ) XX/XX/XXXX - Another message to the influencer ; ( still no response ) XX/XX/XXXX - Another message to the influencer, with me saying that I would go to popular news channels on XXXX from our community to expose him for his scam ; XX/XX/XXXX - I message him saying that I fully intend to chargeback and that I am contacting media outlets ; XX/XX/XXXX - I get a friend to message him about him scamming me. My friend asked him why he scammed me, and asked for the money back. In response, the influencer simply said, " bro karma is a XXXX that's all I got ta say, '' which is basically him admitting to scamming me ; ( and refusing to return my money ) XX/XX/XXXX - Claim initiated with Bank of America . I  called them that day and explained everything that happened, and they assured that I would get my money back ; XXXX??, XXXX - My claim was DENIED by Bank of America for reasons unknown ; XX/XX/XXXX - I re-faxed my documents to BoFA in hopes of an appeal. 

Attached to this complaint is a PNG file and a PDF file. The PNG file contains a screenshot of my " Message Center '' in my BoFA online banking profile, where it shows that my claim was denied. The PDF attachment is an evidence file containing all the information about the dispute. The first page contains a text explanation of the situation, with the following pages containing screenshots of messages between me ( and my friend at one point ) with the influencer ( to show proof of the deal, as well as proof of him admitting to scamming me ).

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 2020-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. Two accounts of the same type, marked " closed '', but were never open and never inquired about. One inquiry was on XX/XX/XXXX and the other inquiry was on XX/XX/XXXX. Then another inquiry from Captial One which is showing inquiry from XX/XX/XXXX. I have not made any attempt to apply for any of these services at any time. This is impacting my credit as a hard inquiry and I would like them removed. I have not contacted the company as I have looked up the issue online and came straight to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Opened : XXXX XXXX XXXX Amount {$420.00} My identity was stolen and used to buy phones. This debt is not mine. 

XXXX XXXX XXXX Opened : XXXX XXXX XXXX Amount : {$270.00} My identity was stolen wand used to buy phones.

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 2020-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc.
State: NJ

Complaint narrative:
2 accounts showed up out of nowhere on my 3 credit reports from a company called Dyck O'Neal.  Acct. # XXXX & Acct. # XXXX, claiming I have a contract agreement with them on a debt that is in another persons name. I wrote XXXX validation letters to the company requesting complete validation as defined by the FDCPA. in over 15 months of going back and forth trying to get validation from them unsuccessfully But they have been continuing to report to the three CRA that accounts are accurate without properly validation and investigation and telling the 3 bureau 's everything accurate and verified without submitting the Bureau 's any documentation also. 

Lastly they are mis representing there entity to the credit bureaus claiming to be a creditor of mines with terms and and contractual agreement with me when they are in fact a collection company and not reporting it as such to the Credit Bureau which is false reporting. They continually report on a monthly basis to the bureau 's as me being late for the last 15+ months but never validated or produce any documents stating as such or according to the way proper debt validation is define by Federal Law. 

When I try to get ahold of the company through the address on my credit reports I'm told by the U.S.  Postal Service that the company doesn't even reside at the address that they are reported on my Credit Reports this Company is i violations of the FDCPA Section 809 ( b ) - continuing to pursue collection ativity on a unvalidated accounts after being informed Ac15 U.S.C. 1681s-2 - Falsely reporting information to the credit bureaus FCRA Section 623 - failure to notify Credit agency of the month/year of the date of thefirst delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Opened : XX/XX/XXXX Amount {$420.00} My identity was stolen and used to buy phones. This debt is not mine. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$270.00} My identity was stolen wand used to buy phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/2016 Fraudulent account established {$500.00} 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 non-monetary relief
Consumer complaint received 2020-02-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2016 Fraudulent account established {$500.00} XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2019, I opened a checking account in a Citibank branch in XXXX, Maryland. The banker matched a sign-up bonus of XXXX XXXX XXXX AAdvantage miles for me, given that I maintain a balance of {$15000.00} for at least 60 days. 

I deposited {$15000.00} into this account on XX/XX/2019, and maintained such a balance until XX/XX/2019, for a period of 69 days. 

I never received the miles. I contacted Citibank regarding this matter many times but they never solve this issue. Once they gave me a document ( attached ) confirming that I qualified for the promotion and told me to wait up to 90 days to receive the bonus. But the bonus did not post to my XXXX XXXX account even after 90 days. 

I contacted Citibank many times after XX/XX/2019 ( 90 days after qualifying ). Every representative who answered my call or chatted with me in the online banking system kept telling me to contact the branch. I contacted the banker via email but got no response. I called the branch and someone said my banker will call be back but she never did. I got very disappointed with Citi and closed the account. 

A few days ago I received a XXXX form from Citibank, saying I got {$400.00} dollars in a 'promotion '. Since this account is the only banking account I ever had with Citibank, the amount of {$400.00} must be the value of the XXXX XXXX XXXX AAdvantage miles that I should have received.

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 2020-02-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I give to bank of america my information i have 2 months i cant acces to my benefits I giving all my information and they dont replaced my card

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 2020-02-09 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XX/XX/12 FRAUDULENT ACCOUNT ACTIVITY {$820.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: AZ

Complaint narrative:
Hello, I am actually strongly disappointed in my service with Home Point. I have been with them guys for almost 3 years and i have made all my payments on time and for some reason a payment was rejected and was put into 30 days late and it is now on time however that 30 day late will not be removed and it has caused a XXXX point hit to my credit which has affected my eligibility to qualify for a refinance with them here in the future. After speaking to multiple associates and submitting multiple disputes to try and get the 30 day late rescinded since we did submit a payment on time that was rejected i will definitely make sure to never use Home Point again and to make sure none of my friends or family never use Home Point as well because this has been a huge damper on my credit and my financial status. I have a wedding approaching in XX/XX/2021  and this has affected the ability to refinance this mortgage, and purchase a new home both which i wanted to do through Home Point however since this issue has happened I will never make that mistake of choosing Home Point again. This is my last effort to plead to have that 30 day late rescinded since we did make a payment that wouldve been on time but was rejected. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
XX/XX/12 FRAUDULENT ACCOUNT ACTIVITY {$820.00} 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
Consumer complaint received 2020-02-09 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: IL

Complaint narrative:
XX/XX/12 FRAUDULENT ACCOUNT ACTIVITY {$820.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had previously informed Chase about an unsolicited email message that I received from Chase ( unsolicited message from Chase XXXX ). 

In its response ( Chase Letter regarding unsolicited messages XXXX.19 XXXX ) Chase claimed that the unsolicited email message was related to a product or service that Chase is offering, but regardless of the fact that the message was related to a product or service that I had not requested from Chase, Chase did not consider the message a solicitation. 

In its response Chase quoted its policy saying that " Under the terms of your credit card account, we can send you email messages for transaction or service related reasons. We may also email you if we suspect fraud or identity theft, or to obtain information from you. '' 1. The unsolicited email message that I included with this complaint was not related to any transaction on my account. 

2. It was not related to any services of Chase that I used or inquired about. 

3. There was no suspected fraud nor suspected identity theft on my account to which the unsolicited message was related. 

4. The unsolicited message did not contain any requests for information from me. 

It is quite concerning for the community as a whole that companies like Chase started to disguise their unsolicited advertisements as service related email messages in order to bypass any ethical standards meant to restrict the amount of SPAM sent over the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: The Bureaus, Inc.
State: IL

Complaint narrative:
XX/XX/2016 {$940.00} FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX THE BUREAUS INC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I sent one check that contained my regular mortgage payment as well as a considerable amount for additional principle. XXXX/Nationstar Mortgage cashed the check and only applied the regular mortgage amount to my mortgage and no additional principle. Call to their customer service department have met with negative results. I have sent them emails with my cancelled check and have had no response from them. I would like my {$30000.00} back. The company in question is XXXX/ Nationstar Mortgage LLC XXXX XXXX XXXX XXXX, XXXX , Texas XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, I made full payment of the balance of {$70.00} on XX/XX/XXXX of a bill that was due on XX/XX/XXXX. On XX/XX/XXXX I made a {$46.00} purchase in store and received a statement with a closing date of XX/XX/XXXX. It billed me the {$46.00} for my purchase as well as a {$2.00} fee, not interest, a fee ( unexplained ). Today, XX/XX/XXXX, I phoned Macy 's customer service and spoke with a representative, XXXX and then his supervisor, XXXX. I was first told the fee started from the date of purchase. Then, I was told it was because I made {$130.00} purchase in XX/XX/XXXX, and only paid {$50.00} on XX/XX/XXXX, XXXX I did receive a credit for {$21.00} from a return on some of that purchase leaving a balance of {$68.00} on my statement dated XX/XX/XXXX. I also received a {$2.00} interest charge bringing my balance due in XXXX to {$70.00} which I paid on XX/XX/XXXX. I was told the {$2.00} on my XX/XX/XXXX statement is due to the fact that I made only a partial payment in XXXX of XXXX. Keep in mind I was charged interest of {$2.00} on my XX/XX/XXXX statement and paid it in XXXX. I was given the obligatory " we will remove this charge this one time because you have only had your account with us for 10 months. '' I did not receive an explanation that made sense. I closed my 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