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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2020 Send a letter directly to the creditor send a letter directly to the creditor XX/XX/2020 Sent a letter to the credit bureaus I also sent a demand to comply letter

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: PA

Complaint narrative:
XX/XX/2020 Send a letter directly to the creditor send a letter directly to the creditor XX/XX/2020 Sent a letter to the credit bureaus I also sent a demand to comply letter

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  REFUSE TO BELIVE that I am who I am I mail documentation which I will include, I mailed weeks ago?

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX  REFUSE TO BELIVE that I am who I am I mail documentation which I will include, I mailed weeks ago?

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Back in XXXX of XX/XX/2020I submitted some dispute letter pertaining to XXXX account # XXXX, XXXX XXXX, and XXXX XXXX account, # XXXX. 

I have yet to receive anything in the mail, or any kind of response pertaining to this issue. It is quite customary for the Bureau not to respond, or simply delay the process by sending out notices telling me that, they suspect, that my dispute letter was sent by someone else, but me. This in my opinion is quite insulting, and frankly, quite distasteful. What gives them the right to judge my writing skills, or my research skills, is it my gender, or race? Am I not educated enough to writte a proper letter? 

I have put countless of hours in research and development to not have them, properly investigate my dispute request. It is known that, failure to respond could result in a law suit against them, according to section 616 of the FCRA. 
These account seem to be incorrect, and all I am asking is to have them investigated, and have them respond back to me with updated credit reports, free of charge pursuant to the FCRA.

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 card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/2020 my Tax returns were deposited into my Cash App account. I was using Cash App as a baking app for direct deposit because I was having issues with my normal bank. 

Well I didnt find out untilXX/XX/2020 that it was direct deposited on that day. Well on that same day my wallet was stolen. I dont even know if my money is being Used or not? 

I contacted Cash App to try and close the account until further notice. I was told not to close the account cause I can loose the money. 

I provided the credentials SO many times they kept saying they couldnt find me. Then all of a sudden Cash App said Theyll merge my accounts. So when they asked if I had a bank card attached I said no you because Cash App is my Bank card. There were emails sent back and forth and still nothing. 


I am a single mother. I have little funds. Covid has a effected my XXXX  to attend daycare and Im with out a job. I know I have my funds and where they are at. But no one wants to help me. No one seems to even care. 

If I dont have money. Me and my XXXX  will be on the street.

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: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
In XX/XX/2020, The First Citizens Bank publicly posted the online offer for new checking and savings account bonus of {$300.00} when the requirements are met. 

The requirements include opening both checking and savings and direct deposits. 

I live in Texas, eligible for the offer and opened accounts on XX/XX/2020, also set up direct deposits from my employer payment. Up to now, I have at least 20 direct deposits, they are all qualified direct deposits. 

Up to today I am still waiting for my bonus. 

I called the bank today and was told that I need a mail-in promo code to open the accounts. The bank is scamming the terms and making false claims on the terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: LA

Complaint narrative:
on XX/XX/XXXX I attempted to pay a debt I owed for an apartment in XXXX. The amount on my credit report was {$3700.00} but the original amount was {$2500.00}. In an attempt to pay the original amount which I can pay I was told they could not remove the interest amount on the account. {$1200.00} more dollars is highway robbery on a debt. I was unable to pay because I XXXX my XXXX  in the first place and now I am able to do so and they are unwilling to help. They wanted to put a down payment and then pay the rest which would continue to incur interest meaning I may not be able to make those payments and end up in the same situation. Something needs to be done about this. They've purchased the debt for little of nothing and want to charge you more for having it. I never received any correspondence from this company regarding the charges or interest. I only found out when I checked my credit report. Something needs to be done to stop this. I am willing to pay the {$2500.00} to have this taken care of. It's like paying the same debt twice at this point which is crazy to hard working consumers. I have recorded the conversation as well and will upload so you can hear how she talked to me. I didn't appreciate how I was talked to you as well when I was only trying to pay off the collection that is it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Synerprise Consulting Services, Inc.
State: AZ

Complaint narrative:
I had XXXX ( XX/XX/XXXX ), where an XXXX XXXX XXXX  XXXX  was outsourced for the XXXX. I had never heard of the XXXX XXXX XXXX   XXXX  or agreed to work with them or had any idea thew would be present in my XXXX. In XX/XX/XXXX I got an alert on my credit motoring company that I had a bill in collections. XXXX XXXX XXXX  XXXX  had sold off debt for {$140.00} to a collections company called Synerprise, who also never contacted me.The issue I have is that XXXX  XXXX XXXX XXXX   NEVER once sent me a bill or contacted me. On their own they acquired a wrong address, sent one letter, and then sent me to collections. Their standard process is to send 3 letters. In any event, I contacted them and agree to pay if they would pull the claim to collections and the derogatory mark would be removed from my credit, and as of the past two weeks, it has not been adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Office of Edwin B. Parry
State: UT

Complaint narrative:
Edwin Parry law office REFUSES to accept any payment unless I provide them with far too much information. All they should need to accept payment is confirmation of who I am and a valid debit card number. They refuse to allow me to pay unless I provide them with all of my information. Including my place of employment. The moment they receive my information they will start garnishing my wages, rather than allowing me to make a payment plan. The lady on the phone was extremely rude and hung up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a mortgage account with Bank of America. I have had it for nine years and it had been working normally. I have never been late in paying and have a good credit rating.

Recently, Bank of America has done an upgrade to their software, and since then this account has become a nightmare. I made my usual  payment at the beginning of XXXX. I was told that no payments were being processed due to the upgrade. So I waited and made another payment after a week. Then the computer went rogue and started doing strange things. It is a long story, and I will give you the details if necessary. I tried everything to get this corrected. I have made calls, sent online messages, tried XXXX and XXXX, without any success. People have called me and made promises, but without any result. Now my mortgage balance has actually gone up, they have done things like payment reversal, depositing some money in my account, issued payment due notices. The most alarming thing is the increase in my mortgage balance. It leads me to believe that some criminal activity might be going on. I have tried to reach some responsible person in the bank without any success. They need to know about this computer malfunction or the criminal activity. 
My phone number XXXX XXXX XXXX XXXX XXXX Regards. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2020-10-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: FL

Complaint narrative:
I have yet to receive my way2go Florida unemployment benefits card it has been over 2 weeks I have called repeatedly waiting on hold for hours only for them to say there servers are down and call back later and hang up before I can say anything or I wait on hold forever and they act like they cant hear me and hang up on me they have my card with {$1200.00} on it I dont know what to do They said they tried to contact me thru a number I dont know if I have updated my contact information to XXXX or XXXX

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been attempting to get Equifax to merge my old credit report with my new XXXX since XX/XX/XXXX. I changed my full name as part of a divorce in XX/XX/XXXX, and they have refused to process my name change dispute several times this year for erroneous reasons ( " no ID provided '', even though my FL license and social security card are on the same page as my dispute letter ). I haven't been able to open any new credit accounts or loans for an entire year, entirely because they won't merge my old credit report ( under XXXX XXXX XXXX XXXX with my new legal name of XXXX XXXX XXXX. I have started the same saga with XXXX   more recently, and I'm sure XXXX  will be just as useless as Equifax and XXXX. I am desperate to get access to my credit again. Please help me force these companies to process my name change dispute.

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: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: UT

Complaint narrative:
Discover Card decided to close my account on XX/XX/2020 without giving me notice or a reason other than inactivity on the card for one year. I use the card for emergency purchases and fortunately, haven't had to use it this year. Now I have one - XX/XX/2020 - and was surprised to discover my card was declined. Looking into it, Discover Card had decided to close my account - without notice or my consent. 

Lenders and credit scoring do not like to see short-term lines of credit. This will impact me negatively credit-wise and that I do not have emergency funds right now when I need them. I'm a good, conservative consumer and now I am being penalized by this company for it. 

They also said to reopen I would need to reapply. Another ding on my credit for a credit inquiry and questions from creditors why? I'm not going to do that.

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: Rocket Mortgage, LLC
State: KY

Complaint narrative:
Quicken Loans aka Rocket Mortgage committed to a 30 day close before taking the application with the caveat that due to low rates it would take no more than 40-45 days. They are so slow at processing the loan they keep re-requesting the  same information to delay the loan. They requested the P & L statements as the delay documentation request now for a third time. All third party services have been completed the first 10 days of XXXX. 
Secondary issue is bait and switch on a 15 vs 30 year mortgage after we were 6 weeks into the process. And the exorbitant Fees being charged were not properly disclosed and also substantially higher than quoted.

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: GA

Complaint narrative:
I have tried to have Equifax remove XXXX off my report since last year, the account was fraud and it is still showing open with no info since last year. I got in touch with XXXX age they informed me to dispute the account on my credit report and I did as told. on there end and they are no longer reporting anything about the account due to it was fraudulently opened. I have disputed this account numerous times with Equifax and they keep coming back saying the account is being verified. At this point I feel like they are not doing there job due to how can an account come back verified when I have Informed them that it was fraud multiple times. the account was closed and nothing has been reported on the account since 2019. I need this account removed ASAP Account to be removed off my credit report. Due to the account was opened fraudulently.

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 when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I made a timely payment to American Express on XX/XX/2020 in the amount of {$75.00} XXXX more than required ) as my usual monthly payment on their credit card. American Express took {$150.00} from my XXXX  XXXX XXXX account. The first person I spoke to at American Express said they did not take two payments. XXXX  XXXX XXXX provided me with two ACH numbers, each one for {$75.00} sent by American Express on XX/XX/2020. I called AE again to begin an investigation and provided them with the two ACH numbers used to withdraw my funds. I was told it would take 6 to 8 weeks. Then they called me back and said it would take 8 to 10 days. They have been unjustly enriched and my bank account has been reduced. At this time, I have no idea what AE intends to do to correct their error. Please provide me any assistance you are able to give.

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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Clearly did not receive the services advertised. Chase did nothing to help me with my claim even after submitting multiple documents with evidence of the fraud. Also did not offer any way to appeal the dispute.

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: IL

Complaint narrative:
Back in XXXX I contacted Dovenmuehle Mortgage to inquire about their forbearance options. after consideration, i declined however they placed my loan into forbearance based on my inquiry alone and ceased accepting automatic payments without my knowledge or consent. 

Thereafter my loan was reported as delinquent to the credit bureaus witch has resulted in lowering of my credit score significantly. 

When i contacted them in XXXX, i was told there was a system issue and they will not charge me any late fess, however they " accidentally '' reported me to the credit bureaus as late. They were going to fix it right away, however i did not see a change in the credit score for over 3 months. I called again in XXXX to inquire about them fixing my credit score only to find out that they placed my loan into forbearance again, stopped my automated payments and charged me a late fee, and could not explain why i was charged a late fee if i was enrolled in forbearance. 

Also, when i asked about the fixing of the reported information to credit bureaus, i was told they are short people and do not have an estimated time when it will be fixed. 
We are in the process of selling the house and are unable to purchase another one due to the low credit score.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over four months I have not received a response yet or an update to my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
XXXX XXXX law office REFUSES to accept any payment unless I provide them with far too much information. All they should need to accept payment is confirmation of who I am and a valid debit card number. They refuse to allow me to pay unless I provide them with all of my information. Including my place of employment. The moment they receive my information they will start garnishing my wages, rather than allowing me to make a payment plan. The lady on the phone was extremely rude and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
My account, originally handled by Medical Recovery Specialists, was taken over by RMP XXXX. I had a payment arrangement in place for {$25.00} which stopped. I called to try to find out why and found out that someone else 's name was linked to my account and phone number. I questioned if my payments were being applied to my account or hers. They said they had no way of knowing that. I asked what her last amount was that was paid and they said {$25.00}, which happens to be the same as my monthly payment agreement. I told them if they can't even verify if the payments I have been making have even been applied to my account and verify the accuracy of what I owe, then I should not be expected to continue payments. It took me seven phone calls, dropped calls when being transferred to a supervisor then getting connected to a supervisor who couldn't even tell me what payments were applied or when or to what account. I told him if he can't prove I owe it, then it should be closed and he said he can not do that.

Company response to consumer: Closed with explanation