vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Inquires on my credit report that was not authorized by me, please remove, I was a victim of identity theft in the past

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 2020-11-12 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX I never opened these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX Original creditor name : XXXXXXXX XXXX XXXX  ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : Online In Sv Original creditor name : 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 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I have been trying to arrive at a resolution with this company about this debt I have with them. They are a collection agency collecting for an apartment company that I highly disagree with the exaggerated dollar amount they are inflating and claim is rightfully owed. This is one of the more difficult problems I have faced as these companies inflate the debt with bogus charges and have no oversight or supervision from regulatory agencies so a small debt can turn exponentially large without merit, but also without recourse to fight it. Therefore I have been trying to negotiate a settlement with this company but there refusal to cooperate or provide me with a reasonable way out is extremely discouraging, unfair and abusive. Therefore I am imploring the CFPB to investigate the validity of these bogus inflated charges against me and as a whole audit the aggressive collection tactics deployed by IQ Data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 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: CT

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX Received letter from BMO Harris Bank stating they engaged XXXX XXXX XXXX XXXXXXXX as the Loan Servicing Dept for BMO. They advised if mortgage payments are through Internal Transfer, which mine is, to update on after XX/XX/XXXX. I updated on XX/XX/XXXX. 

XX/XX/XXXX I received a letter dated XX/XX/XXXX on BMO letterhead stating I owed {$920.00} for my XXXX payment and XXXX payment, both payments were made internally through BMO on the XXXX of each month. 

XX/XX/XXXX I called and spoke with XXXX who advised she did see my XXXX payment but did not see XXXX 's payment. She transferred me to supervisor XXXX who had me send PROOF OF PAYMENT to their Cashier Dept email. Since this is internal transfer from the bank I sent my bank statements showing transfer for XXXX and XXXX both were internally transferred out of my account on the XXXX. XXXX advised after I emailed I would be contacted within 7 days. 

XX/XX/XXXX I was never contacted by BMO or servicing Dept XXXX so I called and got another supervisor XXXX. XXXX advised they did received my email of proof and all was resolved and my loan amount changed from XXXX to {$460.00} in XXXX so I would just pay the difference. 

XX/XX/XXXX Never received letter so contacted BMO servicing dept XXXX again and spoke with XXXX. XXXX advised I owe for XXXX .... so we are back to square one. Transferred to Supervisor XXXX who advised yes I owe XXXX they do not see XX/XX/XXXX payment and it would be resolved by XX/XX/XXXX XX/XX/XXXX Spoke with XXXX who advised I owe now for XXXX and XXXX ... asked for Supervisor and got disconnected. 

Since BMO was to transfer all information to the Servicing department on XX/XX/XXXX they dropped the ball and apparently did not send my data .... however, BMO Bank just keeps sending me to the Servicing dept who keeps stating I owe for two months when this is and has always been an internal transfer from my account to the Mortgage Company through the BMO Banking System.

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 2020-11-12 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: GA

Complaint narrative:
RECENTLY OBTAINED CREDIT REPORT AND NOTICED ACCOUNTS I DOD NOT AUTHORIZE

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 2020-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
I scheduled a payment in full when applying for loan. The loan amount was {$390.00} and was a payday loan with an approved ach for the full amount on the due date as part of the application. When due date came they charged me a non-payment fee and continued to do so every 2 weeks a total of 3 times instead of taking the full amount. No reduction of principal or balance was made as a result of payment of the fees. I ended up having to pay the full amount of the loan plus {$270.00} in fees they debited from my account as a result. At no point in time was any notice provided that these {$90.00} fees were being assessed. 

I did several loans with this company previously and had no issues with the full payment being deducted at the due date as requested during the application process. This was a change in service and clearly meant to get far more than the agreed amount from me as the customer. 

To make matter worse when I called to figure out what was going on after noticing the full amount hadn't been deducted and that there were instead 3 {$90.00} charges on my account, I was faced with someone who informed me that all this was within the terms of the contract. Further the individual I spoke with would not answer a direct question asked over a dozen times " are you going to help me or not ''. Instead the representative kept repeating the supposed terms of the agreement, which I am unable to review. Even when asked multiple times just to give me a yes or no answer if they were going to help. 

I do not dispute that the terms allow for late fees. I DO dispute that I did not request payment in full be ach deducted from my account. I DO dispute that I should have been assessed any late fees. I DO dispute that no payment at all was applied to the balance due when changing the fees. Further, their website does not allow for review of loan documents once the loan is approved. So I have no way of verifying any claims from MyPayDayLoan. 

This customer service experience is one of the worst I've ever had. My Pay Day Loan has done nothing short of stolen {$270.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
At the end of XXXX, I received a physical letter and searched online. The welcome bonus offer was the same ( Earn {$300.00} back after spend {$1000.00} in purchase on new card in the first 3 months. ) So I applied online. However, after I made the goal and waiting for 2 months without receiving the offer, I tried to contact their customer service, and the answer I got was the offer was {$250.00}, not {$300.00}. I provided the application screenshots to them. Unfortunately, on XX/XX/XXXX, they only gave {$250.00}. This is not the same as the advertisement promotion. I think its unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a notarized letter on XXXX by certified mail with USPS return receipt required. Transunion did receive the letter of XX/XX/XXXX, and I received the return receipt card bearing their signature. I also sent letters to Transunion on XX/XX/XXXX, XXXX and XX/XX/XXXX, but Transunion has ignored all four letters. In the letter of XX/XX/XXXX, I demanded that Transunion provide written proof of debts it reports or to remove the alleged debts from my credit report. As of today, XX/XX/XXXX, Transunion has neither removed the debts from the credit report nor have they sent me written proof of the debts they 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 2020-11-12 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: LEXISNEXIS
State: TN

Complaint narrative:
On XX/XX/2020, LexisNexis removed a chapter XXXX bankruptcy from my credit file. I have since then started to dispute this information with the credit bureaus since they verify this public record with LexisNexis. The credit bureaus are relaying to me that LexisNexis is still verifying this public record as accurate. I have several documents that LexisNexis has sent me to show that they removed the chapter XXXX bankruptcy along with my entire file from LexisNexis showing that the chapter XXXX bankruptcy does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$510000.00} XXXX XXXX XXXX XXXX {$13000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank has a card called relia card, its for unemployement benefits that is provided by the state to collect benefit payments if you dont have a account for direct deposit. Fraud was made with card, which is not banks fault but no security method in place to avoid it. Called multiple times to advised card not received and was never advised card was activated and used. Only became aware of fraud when 3rd card was mailed as expedited when was previously advised this was not an option and when i called to activate card it had XXXX balance from a benefit deposit of almost XXXX. All activity on account is suspicious as in amounts and transactions. They advised account was blocked due to suspicious activity but someone called and removed block. At this point im not sure what security verification was preformed but if it was basic informatio you would think the person commiting fraud already has it since they activated and used card to start with. At that point as a customer i expect bank to take high measures to protect my money. A dispute has been raised along with police report for identity theft but no resolition or money has been returned. I also requested a copy of statements for the detective and the bank sent a statement with wrong account number listed causing the investigation to slow down. This had been a headache and hardship on my famiky that has had XXXX income since pandemic hit and i counted with this money. I did not benefit in anyway from these funds and feel the bank is responsible for not taking security action to protect 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
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX XXXX and the 3 credit bureaus regarding a credit card that was opened in XXXX. I haven't received a response in the 30 day time frame from when the letter was delivered. My account has 8 inaccuracies. It is well over 94 days and the account still has 8 accuracies and nothing has been updated or removed.

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 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: TN

Complaint narrative:
I have received notice that I owe XXXX XXXX XXXX XXXX for {$180.00} which is with Paragon Collection Agency from XX/XX/2016. I contacted Paragon Collection Agency and they said they do not have any information on this account - that it is with the " attorneys. '' I was transferred to the " attorneys '' and they said they have information under my name. I contacted Paragon back and they said they can't help me because it is with the attorneys. I am not getting any answers. I continue to get statements. I want to know what this bill is for and when so I can get this paid or it needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I was Incarcerated on XX/XX/2020. I posted bail and was released on XX/XX/2020. My XXXX ordered me to a Rehabilitation Center in XXXX XXXX, Arkansas, called the XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, Arkansas, XXXX. I was admitted the night of the XXXX around XXXX. On the XXXX of XXXX, 2020, I went to the Arvest Bank location on XXXX in XXXX XXXX, Arkansas. Upon going to the Branch Location, I was informed my bank account had been fraudulently hit, and all of my funds were gone. I immediately filed a dispute with the company, the amount in the account should have been {$3100.00}. After filing the dispute the company, even though they were aware that the account had been compromised, re-distributed the monies that were disputed back into the compromised account, therefore allowing the person ( s ) that had the account information to withdrawal the money again. I was able to get XXXX out eventually, but upon taking out the XXXX, the bank informed me, when I tried to re-dispute the rest of the money, that they would not be doing another investigation into the disputed funds, and would no longer allow me as a client at that banking corporation. There should be approximately XXXX dollars that the banking corporation of Arvest owes me, through the FDIC insurance policy, on fraudulent banking activity, yet, they are not disputing the account anymore, nor will they have any contact with me about the account, because of the fraudulent activity. 

Besides the withdrawal of XXXX , I have not done anything to this account whatsoever, since before XX/XX/2020.

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 2020-11-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I applied for a loan from XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XX/XX/2020 and a credit report was sent to the bank. XXXX sent me a letter, notifying me that my report had some derogatory information on it. They provided instructions to contact the consumer-reporting agency to address any mistakes that I found on my report. I contacted Equifax because Equifax Mortgage Solutions was the agency who reported the information to my bank. I followed their instructions for submitting a dispute on XXXX XX/XX/2020. On XXXX XX/XX/2020, they sent me a response to my dispute stating they had updated my credit file. On page 3 of the letter sent to me, they state If there has been a change to your credit report based on your dispute, or if you add a consumer statement, you may request that Equifax send an updated report to companies who received your credit report within the last two years for employment purposes, or within the last six months for any other purpose '' ... 

XXXX XX/XX/2020, I contacted Equifax to have them send an updated report to XXXX so they would have the correct information with the derogatory information removed. I provided the representative from Equifax the confirmation # of my disputed file so she could reference the same information I was referring. She refused to assist me with how to get an updated report sent to XXXX. I requested to speak with a supervisor, for which I waited on hold for XXXX minutes before XXXX took my call. This was between XXXX. She was not helpful at all, she was more annoyed that I was insisting that they honor the information they sent me by providing an updated report or helping me get to a section within their company that can assist me further based on the correspondence I received. She stated that it was not their policy to provide reports to businesses ; they only provided them to consumers, thats their policy. She said she could not help me any further. I explained that I understood her policy but what I was asking for was also a part of Equifax policy, because they sent it to me in writing as to what I should know. She said very rudely that her policy wasnt going to change, she wasnt going to continue to talk to me about it, and then she hung up the phone. I contacted the Equifax Mortgage Solutions section, which is the section that sent the actual report to XXXX. They also stated their policy doesnt allow them to send updated reports. She told me I needed to contact the regular Equifax, which is the section that hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For the past 5 months I have been trying to get Method of Verification for Account # XXXX with XXXX XXXX XXXX  that has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 3 credit cards with Capital One and through the pandemic have been assisting me with deferrals however I'm still in the hardship situation due to COVID 19 and they did continue to assist me with 2 of the credit cards but for an unexplainable reason as per a supervisor, they can not help me with one of the cards ending in XXXX. I need help. I still do not have income and my partner is in the same situation so We are seeking government assistance in order to have food.

Company response to consumer: Closed with explanation