vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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: Total Card, Inc.
State: CA

Complaint narrative:
I already reported this? Repeat myself?! # 1st, this sloppy credit card starts with XXXX XXXX, these petty thieves kept charging me for unordered unauthorized overpriced junk made XXXX XXXX!! I had to raise XXXX and get angry with these inept credit card employees, The card was closed so XXXX could NOT scam me!!! Now 45 days later NO competent resolve from total visa, some inept employee today, tried to undermine that fraud and unauthorized charges is not deceit??? XXXX  and unacceptable, these greedy thieves at total visa expect me to pay for fraudulent charges made by XXXX XXXX!!! I made a 1 time purchase, thats it? simple, I did not agree to be scammed, ripped off with a continuous and phony subscription of 12 more generic made overpriced XXXX XXXX? How XXXX  is that?! # FTC says to tell these blundering derelicts at total visa, to file a dispute and/or charge back, these inept employees tell me this my problem? NO it is there responsilibilty to get my money refunded that was scammed from my credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
On or about XX/XX/2020, I was contacted by Quicken Loans/Rocket Mortgage to do the financing of a property I am looking into to purchase. I did not contact Rocket Mortgage to do the financing, they contacted me. They had a copy of my credit report prior to the initial contact, how I do not know. We went over the credit profile, the originator XXXX XXXX ran the loan scenario through automated underwriting and told me verbally via telephone that " FHA liked my loan '' and it was approved. I sent to him via online portal every document he requested, and every document needed to complete the financing. On or about XX/XX/2020, I was told I had to allow them to charge {$500.00} on my credit card for an appraisal which I did under the pretense that the file was already approved. On or about XX/XX/2020, I asked when in fact would I expect a conditional approval and I was told I had to then deal with a loan specialist named XXXX XXXX. I began communicating with him and he was more than rude! He then told me my XXXX came back a " refer '' and not an approval as I had been told in previous days. He also stated that he had to get a rapid rescore on my credit report to see if we could even go any further. Well, wait a minute you already have my credit profile with my ficos, etc. why would you need to wait to now see if I qualify? Evidently I qualified if the findings were approved as I was told and you also took {$500.00} of my money. I tried to escalate this to customer relations with XXXX XXXX who was supposedly going to look into this and this is as of Wednesday XX/XX/2020. Well, low and behold I contacted her today via email and she sent me an adverse action letter citing credit issues. If that were so, why did they take my money in the first place? She also stated that once the rescore came back, they could put my file back into the system and start the process all over again. Therefore, you do see there would be no closing in XXXX as they has promised at all. There is a more depth account of the story, however, I can not put all down here. Bottom line is I was baited and switched and now noone is being held accountable, and they are refusing to return my funds. I would like my funds back immediately. I will also be contacting the FTC in regards to this as this is not acceptable practice in the mortgage industry. These originators are supposed to be trained and licensed. This whole story negates the fact that I had a previous loan in process a few months prior, therefore, they were well aware of the situation. They knowingly and willingly took my money without any intention on completing the financing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I have a prepaid Money Network card rom my employer which is where i receive my paycheck. I noticed that there was a lot of money missing form my account on XX/XX/2020. I immediately notified them, they did issue me a new card and sent me forms to fill out. I filled everything out, along with a written statement explaining what happened. I do not often check this account, however when I was made aware of the problem, the scammers had stolen over {$3600.00} from my account. All charges were at gas stations and XXXX XXXX. Looking at my account, you can clearly see these charges should have been flagged ling before this amount should have been taken. Money Network said it would take up to 10 days. I called them again, and they said my claim was denied. I have filed police reports with the XXXX XXXX Police, the XXXX County Sheriff 's Office and the FBI since it is a considerable amount of money and yet Money Network still will not reopen my case. When I spoke with the police, they informed me that they are aware of this problem and have been unable to apprehend the scammers. I am reaching out to you in hopes that you can question the integrity of this institution and do the right thing by getting me my hard earned money back. I am not in a position to lose this amount of money. I can be reached at XXXX or XXXX. Thank you

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 2020-11-30 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: Credit Plus Inc
State: TN

Complaint narrative:
On XXXX. XXXX, XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2020 I had a house fire which started in the basement as an electrical fire. During my refinance they failed to set up payment for my insurance, so the policy lapsed and was replaced by lender placed insurance. The lender is Bank of America, they sent me what their hazard insurance covered, for which my escrow was charged. This coverage included " fire and extended coverage '', it was " not to limit coverage in whole or in part for damage or loss '', and " claims are to be settled on a replacement cost basis ''. In other words, the insurance I paid for should have covered the repair on the house. 

The insurance policy holder is Bank of America, the insurance company is XXXX XXXX XXXX. They made it clear that my personal property was not covered, nor was my living expenses - I have continued to pay my mortgage while I was XXXX. I made it very clear that I was XXXX  during a pandemic and asked that the claims process was not delayed. The insurance company also told the clean-up company that their service was not covered, so I had to do that work myself. 

The claim process took 4 months. It took a full month for them to get an inspector out to the house, and they claimed that inspector never sent a report, so 6 weeks later they sent a second inspector. On XX/XX/2020 XXXX XXXX XXXX sent me a copy of their settlement, informing me that rewiring the house was not covered because bringing the home up to code was an upgrade. To be clear, there is no option to not bring the house up to code. So, on a claim that started as an electrical fire, with the main breaker board less than 10 feet from the fire, they made no payment for electrical work. 

My complaint is about Bank of America, not the insurance company they used. I paid for coverage which is outlined in their lender placed insurance requirements which should have covered the repair minus the deductible. As it stands, their settlement covers less than XXXX of the cost of the repair, and I've put in over 200 hours of my own time in the clean-up from the fire. Their slow response also left me homeless during a pandemic.

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 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I was in the process of selling my home and discovered that PORTFOLLIO RECOVERY SERVICE has placed a lien on my home for a debt that I do not owe, I called ( XXXX ext ( XXXX ) I spoke with Ms. XXXX, she advise me that the information she has on file was discharged under my bankruptcy in 2013 and she did not see anything else with my name on it for the amount of this Lien. I asked how can this company just file inaccurate information and cause tremendous harm, and damage to a persons life without being sure of the debt. she stated that they do make mistakes from time to time. I have requested along with my title company that PORTFOLLIO RECOVERY SERIVICE remove this negative information or for them to please send the proper paper work to show that this is NOT my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX / Closed XX/XX/XXXX, Balance of {$640.00} ( Capital One ) has derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( Capital One. ) has violated my rights as a consumer and I am requesting legal action to remove this account immediately, in addition to we are in the middle of a pandemic COVID-19 which is allowing relief to 85 % + consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: CNG FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX. XXXX, XXXX, AXCESS FINANCIAL add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: FL

Complaint narrative:
I have several fraudulent transactions on both my personal and business accounts with Bank of America. 

I got a text alert saying that there was unusual activity on my debit card. I then went to grab my wallet which I realized was missing. 

I immediately called Bank of America to report the issue. I find it weird that I got a text notification about my personal account but not for my business account. I hope they can fix this, that text notification allowed me to contact my bank and get the card cancelled immediately before any further fraudulent transactions took place. 

My only worry at this point is that my bank account is almost drained, I dont know how to run my business or pay my bills with less than {$300.00}! This is a nerve wrecking time for me, I dont want to close my business. Please Help.

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 2020-11-30 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
In XX/XX/2020, I opened an account for the Amazon Rewards Visa credit card through Chase Bank Cardmember Services. I began to use the card and would pay off the balance at each billing cycle. On XX/XX/2020 I made a payment for {$520.00} which was the balance of the account. On XX/XX/2020, the payment cleared my deposit account at XXXX. On XX/XX/2020, I attempted to make a hotel reservation with the card and the transaction was declined. I contacted Chase Bank Cardmember Services and was told that my payment had been put on hold and the hold would not be released until XX/XX/2020. I inquired why the payment was on hold. I was told that all new credit card accounts payments are put on hold during the first 120 days of the new account. I asked the Bank how this is not a violation of Truth In Lending Regulation Z 1026.10 ( a ) when the payment was made in accordance of the Banks conforming payments per the account agreement and the billing statements. I was not given a sufficient explanation and told there was nothing they could do to release the hold. I feel this policy of holding the payment is in violation of 1026.10 and is an unfair and deceptive practice by the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
i am a victim on ID theft, there are som inquiries on my report that I didn't allow

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: OH

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 I sent letters to Equifax to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: NJ

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, JPMCB CARD add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 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: CNG FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, AXCESS FINANCIAL add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, XXXX  add a hard inquiry on my credit report per XXXX.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is a XXXX Credit card that is through SYNCHRONY Bank. 

There is a UNAUTHORIZED monthly charge of XXXX PER MONTH on my account. 

They CLAIM I check marked a box on my original ONLINE application for the card for " credit protection ''. 

Not only did I NOT do this I also never INITIALIZED the charge nor did I ever agree to it verbally. 

They have refused to remove all of the XXXX PER MONTH charges in which I NEVER Authorized them to do nor give my card # to some outside company.

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 2020-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a claim from XXXX XXXX XXXX for the collection of debt from Synchrony Bank/TJX credit card for bill from XX/XX/2018, for {$290.00}. 
I do have a TJ Maxx credit card but not this number.

I called TJ Maxx and they said my balance is zero. I pay my card every month. 
I called Synchrony Bank and they said the account was sold to XXXX XXXX. They said I could file a dispute with them and file a claim to the FTC. 
I pay my TJMaxx bill every month on time. This bill for over 2 years ago and this is the first time I have ever seen it. I believe this to be credit card fraud.

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 2020-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX because I was having problems logging into the account. Prior to this contact, I had never had any problems wit, h my credit profile or any fraudulent activity. 3 days after speaking with an XXXX customer service representative, I was altered that someone had opened a Capitol One /Cabelas account in my name. I had not used my credit or left my home the entire weekend. I began to trace my activity and remembered the call made to XXXX  on XX/XX/XXXX. On Saturday XX/XX/XXXX I contacted XXXX and tried to place a fraud alter but was told I could not as the Department was closed over the weekend. I then asked to speak with a supervisor to discuss the sensitivity nature of my suspension. I was put on hold by customer service rep. XXXX and he never returned to the line. I hung up and repeated the call and spoke with customer service representative XXXX. She stated she would put a call alter on my file, but I was denied to speak with a supervisor and was told I had to put in a 24 to 48 hour request to speak with a supervisor. She also stated I had to call back between XXXX toXXXX Monday through Friday to place the fraud claim as she stated the Department was closed. 
On Monday XX/XX/XXXX, I contacted XXXX  as I was transferred over 5 times before speaking with XXXX in the fraud Department ( XXXX XXXX ). I again explained my dilemma and concern regarding my XX/XX/XXXX experience with the XXXX  customer representative. I was placed on hold for several minutes at a time only for the representative to return to the line with various excuses as to why I couldn't speak with a supervisor. 
I have yet to speak with a member of management to address my concern of how my credit profile was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need someone to help me figure out what i need to do about my records my background i cant to get a job because of my background I'm not sure who to talk to about how much i owe 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