vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$630.00} past due as ofXX/XX/XXXX. 
Account TypeCollection Balance {$630.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX/XXXX/XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$820.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$540.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute StatusOpen/Never late. 
Account TypeCredit card Balance {$520.00} Date OpenedXX/XX/XXXXDispute Installment Loansshow tooltip button XXXX/XXXX  XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$890.00} past due as of XX/XX/XXXX. 
Account Type

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 2020-10-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$630.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$630.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX/XXXX/XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$820.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$540.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute StatusOpen/Never late. 
Account TypeCredit card Balance {$520.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX/XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$890.00} past due as of XX/XX/XXXX. 
Account Type

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: U.S. BANCORP
State: VA

Complaint narrative:
We are a XXXX XXXX that dates back to XXXX. We have a XXXX XXXX in XXXX VA and we do work for private firms, corporations, schools and government all over the country. We specialize in XXXX  XXXX and XXXX XXXX 

We received an order from someone posing as a purchasing agent for XXXX University. 

They paid a total of {$15000.00} for 5,000 USB drives with a 2 color logo on them.

( We are in the XXXX XXXX ) They sent over a purchase order, his email address looked legit along with his tagline. We were able to look him up in the directory at XXXX  University. Everything  checked out. 

I paid XXXX to get the XXXX XXXX XXXX and shipped them to the customer, that money is already spent ( so I could profit {$3000.00} ) Weeks later theXXXX was charged back and my bank account went negative {$15000.00}. 

Elavon initiated the chargeback, they are also holding $ XXXX ransom for other credit card payments we received from our customers. 

The end result is my company being out XXXX + XXXX + {$4000.00} that Elavon will not give back. 

My insurance policy has some sort of Cybercrime Protection as well. 

So far everyone is pointing the finger at me and telling me that they can't help me. 

Apparently the card was flagged as stolen back in 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 2020-10-07 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: DE

Complaint narrative:
Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 

Transunion have an inquiry from XX/XX/2020 from XXXX  to. I have contacted them both and up to now its still there

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 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO

Complaint narrative:
T

his company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act
1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud
where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$630.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$630.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX/XXXX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$820.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$540.00} written off. 
Account TypeCharge Card Balance {$0.00} Date Opened06/06/2018 Dispute StatusOpen/Never late. 
Account TypeCredit card Balance {$520.00} Date OpenedXX/XX/XXXXDispute Installment Loansshow tooltip button XXXX/XXXX  XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$890.00} past due as of XX/XX/2020. 
Account Type

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 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dovenmuehle holds the mortgage on my home since XX/XX/XXXX. I had made some additional payments towards principal in the first few months, till XX/XX/XXXX, totaling {$24000.00}. The principal owed seems incorrect. 
Last year XXXX, and again this year since XXXX I have been requesting a payment history since beginning of the loan, started XX/XX/XXXX. 
They promise, and nothing happens. 
I am refinancing the loan, and the payout is wrong. The Customerservice personnel do not have the requisite skills to reconcile my account, and refuse to connect me to their AR department. 
I am going ahead with the new loan with the wrong principal amount as I dont want to miss out on a great rate of XXXX XXXX 

I am in deadlock and hence taking recourse to seeking your services. I would like to see my account reconciled from start to end Thank you in anticipation. 
Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: NJ

Complaint narrative:
Greetings, My complaint goes to the Credit bureaus XXXX, Experian and XXXX  because since XX/XX/2020 I have sent letters requesting that they rectify their errors presented in my credit report, I have sent 4 different letters during the last 4 months and no I have received any response from the credit bureaus. I demand that an immediate response be given to me regarding the claims previously made to the institutions mentioned above. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2020 my account showed like unauthorized transactions where credited back to my account, however they never actually posted as a positive balance its like a ghost transactions. One for {$59.00}, {$19.00}, $ XXXX.I calculated the amount based on the direct deposits I received. Anytime that i get a deposit or a positive  balance I get email but no emails for these.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: CURO Intermediate Holdings
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX, I am writing because I have been a victim of Identity Theft. I have attached letters to suppose my case. The IRS and Social Security both have cleared my name with IRS Affidvat and investigation found out someone was using my info as XXXX   veteran. I am writing to have Ad Astra Recovery Services , Inc, Who said I had taken out a payday loan with Speedy Cash they have place this on my credit report with XXXX. I have attached a Identity Theft  Victim 's Complaint and Affidavit with FTC and have a Victim 's FTC complaint number which is XXXX. 

I also attached my letter from the Veteran Admin that I am XXXX and XXXX  XXXX unemployable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my credit report : XXXX XXXX XXXX XXXX   XXXX  Equifax Account # : XXXX XXXX XXXX High Balance : {$31000.00} {$31000.00} {$31000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Closed Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Finance/Personal Auto Financing Auto Financing Account Status : Closed Closed Closed Payment Status : Late 30 Days Late 30 Days Late 30 Days Creditor Remarks : Closed -- Closed or paid account/zero balance Auto Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : 72 Month ( s ) 72  Month ( s ) 72 Month ( s ) Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Auto Loan Auto Loan Auto Loan Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- unkown unkown Two-Year payment history unkown XXXXunkown OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 days late OK OK OK OK OK OK OK OK OK OK OK 30 days late 30 days late OK OK OK 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK OK OK OK OK OK 30 days late OK OK OK OK OK OK OK OK OK OK OK 30 days late 30 days late OK OK OK 30 days late 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax unknown unknown unknown unknown unknown unknown 30 days late unknown unknown unknown unknown unknown unknown unknown unknown unknown unknown unknown 30 days late 30 days late unknown unknown unknown 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Late - 7 Year History XXXX   XXXX  Equifax 30 : 4 60 : 0 90 : 0 30 : 4 60 : 0 90 : 0 30 : 4 60 : 0 90 : 0 I am not sure how this happened, I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: ID

Complaint narrative:
on XX/XX/2020 we applied to Laon Depot for a refinance..they had not sent us a copy of the appraisal that we kept telling them there  seemed to be a problem.. finally on XX/XX/2020 we received a copy of the appraisal.. and that was when we found the problem.. the appraisal was NOT for our property.. they used our address, but the pictures & written description of our property are not one & the  same..and as of todays date XX/XX/2020 we still have never received a copy of a corrected appraisal. ( Loan Depot had done one on  XXXX which was the correct address, written description, & pictures ), so we do not understand why they are not seeing that the  appraisals are TOTALLY DIFFERENT PROPERTIES, per county tax records.. We have complete documentation including emails etc.. back & forth from us to Loan Depot, and as of today 's date (  XX/XX/2020 ) .. this has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/20 I went to Keybank on XXXX XXXX XXXX XXXX NY to open a checking account. I received a flyer in the mail that if I opened a new checking account with Keybank they would give me a {$400.00} bounus. After they made a profile, they started to open an account and told me that thei was a problem with my XXXX   account. They told me to call XXXX and would not open an account until the issue was resolved.. The XXXX report had no issues except that on the same day Keybank tried to open my account they put an incorrect address in my profile. I contacted Keybank and they told me they would work with an Executive Lead to get the XXXX error removed. I did not hear back and asked that the branch manager get involved. I still have not heard back from them and they do not answer my emails anymore. 

The 2 issues are : Keybank put an invalid address in my profile which I need corrected Keybank is not honoring their {$400.00} bonus..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays did not process my extension for COVID19/Coronavirus Relief when I spoke to them in XX/XX/2020. 

On XX/XX/2020, I called Barclays to make a payment and request an extension to the COVID19/Coronavirus Relief which expired in XX/XX/2020. I explained that XXXX XXXX  / workload halted when the pandemic hit, and we have not seen any type of increase since the pandemic began. Also, I told them we would struggle to make our payments for the next few months. I was advised by the Barclays representative that I would receive a three-month extension to the COVID19 Relief program ( forbearance ), through XX/XX/2020. The representative ensured me that she signed me up for three more deferred/skipped payment and my next payment would not be due until my XX/XX/2020 statement. 

I did not receive any statements in the mail for the months of XXXX and XXXX. Also, I noticed a change on my credit report with my Barclays account showing as 30-days past due. Once they reset copies of my statements, I saw that Barclays had charged me late fees AND over the limit fees during the time that my account was supposed to be under Relief.

The Barclays website is still showing they are offering COVID19 Relief ( see attached ). I have called Barclays three times since the credit reporting change and they have made no effort to correct their error and uphold to their original promise of extending the Relief.  The first time I called was on XX/XX/2020 ; I spoke to XXXX and was told to send in a dispute to the credit bureau. She did waive the late fees for XXXX and XXXX. I received a call from a Manager on XX/XX/2020 and when I explained the issue, she connected me to the collections department. I spoke to XXXX XXXX, he told me I could close the account, but offered no other options. I called back to discuss this matter and spoke to XXXX, she advised that I enter into a debt management program. (!!! ) They are now trying to force me to pay all three months at once, including overlimt fees and other penalty charges. 

I have tried working with Barclays ; however, they have been unwilling to honor their original promise to extend the Relief and  correct my account history and 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 monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
The Money Source has been overcharging me for my loan. Since XXXX of XXXX, I should have paid {$180.00} towards my yearly insurance, nothing more. I have been sending them my tax exemption documentation repeatedly. 

I have requested this from the company and now I am enlisting the Consumer Finance support.

I would like an escrow analysis ran from XX/XX/XXXX because I have overpaid the following amounts : XXXX XXXX XXXX : {$100.00} Totaling : {$1200.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1000.00} Totaling : {$7200.00} As a XXXX XXXX  veteran the handling of this loan has not only created a hardship but my family and friends have supported me and watch the disinformation and obscurity that I have been met with by their representatives. It is nothing short of criminal. 

I am requesting the return of the overpayments for this mortgage. I am requesting a written explanation and copy of the $ XXXX check sent from the City of XXXX and cashed by TMS . This is not reflected on either escrow analysis that the company sent me. Again, I am met with disinformation. 

I will be making several complaints and leaving this company upon the return of these funds. Lastly, I am requesting that ALL late fees documented for this account be removed. 


Respectfully yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation