vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: SC

Complaint narrative:
Yesterday, XX/XX/2021 I was informed my Charles Schawb Checkings account with a balance around {$5300.00} was locked due to fraud suspicions I made a call twice provided my identity said I was cleared and the fraud department would be emailed and would reach out and today XX/XX/2021 I called again I got the same response nothing different and I havent received a call back or any emails

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leap Credit, LLC
State: NC

Complaint narrative:
Starting Tuesday, XX/XX/2021, I have been receiving text messages from Leap Credit about free service designed to help resolve an account. I have never had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX XXXX  lease was terminated two months early to enter into a new Lease agreement. The Car Dealer Requested a payoff quote from XXXX XXXX, this quote was supplied by XXXX XXXX and was paid off by the dealer. A few months later I received a call from XXXX XXXX that I owe {$110.00} dollars, which I refused to pay because the lease was terminated and XXXX XXXX  provided the Car Dealer with the Payoff amount. On principle I was never late within the 37 months of the lease. This erroneous info was sent to a collection agency. After six different dispute resolution attempts with the credit reporting agencies all failed, this item is on my credit report as a Charge Off and is negatively impacting my Credit Report at an in opportune time. I owe nothing to XXXX XXXX  or any other entity with respect to this Auto Lease. I would like this negative item removed from my Credit History.

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 2021-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank closed three of my cards-JC Penney, HSN and QVC because I accidently made an overpayment on my HSN card-bill was {$1900.00}, but I accidently keyed in the amount of {$19000.00} when I paid my bill. I received letters saying my accounts were being closed as a result of my credit report on XX/XX/21. I got a copy of my report on XX/XX/21 which shows a score of XXXX and nothing negative I can see on the report. Their website says they typically send offers of credit to individuals with scores of XXXX and above When I called, they said it was because of the overpayment-their system automatically cancels cards in the case of an overpayment because they suspect it may be a money laundering situation. This is a totally unfair credit practice. They should look at each account and it's history before arbitrarily closing accounts and the letters sent are not the real reason the accounts were closed, it was simply because of an accidental overpayment. No one at Synchrony could tell me anything about my credit record causing closure, they even all said they can't even access my credit info so their letters to me regarding the closing having to do with my credit report are blatant lies. Their sending this type of info to the credit bureau can damage my credit score and cost me money in the future.

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 2021-08-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX is billing department ) is falsely reporting this FL mortgage as foreclosed. FL is a judicial state. There is NOT a XXXX XXXX granting foreclosure because the account was cured. The deed is in our name and no deed-in-lieu was done. 

1. We purchased a timeshare with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX and were making timely payments up until XX/XX/XXXX. The Covid pandemic caused financial strain due to wife 's unemployment. The company was contacted. 
2. XXXX initiated Notice of Default ( approx. {$4100.00} XXXX through legal counsel in XX/XX/XXXX. 
3. We negotiated payments with XXXX to cure the entire default by XX/XX/XXXX. We did. 
Payment/dates and amounts as followed : XX/XX/XXXX {$1600.00}, XX/XX/XXXX {$360.00}, XX/XX/XXXX {$1200.00}, XX/XX/XXXX {$160.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$260.00} : Other {$100.00} payment was applied to account 4. Timely payments in the amounts of {$180.00} for XX/XX/XXXX and XX/XX/XXXX. The deed is STILL in our name and we still own the property. 
5. Received letter from XXXX dated XX/XX/XXXX confirming the account was in good standing. 
6. Repeated calls and emails to this mortgage lender and their legal counsel have not been of any help. Please help us any way you can! Thanks in advance for your time and attention.

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 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i have recently put a identity freeze on my report because of fraud there is an account in collection in Experian that is reporting in collection the creditor name is " XXXX XXXX '' i believe that this is in regards to a medical bill, but i have not seen any doctors this years. i tried calling Experian to let them know this but no one got back with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rausch Sturm LLP
State: MA

Complaint narrative:
Hello my name is XXXX XXXX. 
I have been receiving phone calls from a women stating she is from XXXX XXXX. She states she is looking to speak to XXXX XXXX on a debt. I have told her on numerous occasions to Please stop calling my phone number. This has continued for over a year now. What if anything can I do. I even tried ro block the number but they still call. 

Thank You XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: NJ

Complaint narrative:
I have never conducted business with XXXX XXXX XXXX. They are reporting to all 3 Bureaus negative and inaccurate information. I do not have a contract with XXXX XXXX XXXX. They are in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Money transfer initiated on XX/XX/2021 To this day, money has not been credited to the beneficiary 's account In desperation, I requested a " recall '' of the monies - around the end of month in XXXX, XXXX  To this day, the money has not been credited back to my account Case Number : XXXX XXXX XXXX XXXX Number - 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 monetary relief
Consumer complaint received 2021-08-18 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: MS

Complaint narrative:
XXXX XXXX XXXX - I already disputed this account and filed a complaint thru FTC last XX/XX/2021 and this account was removed from my credit reports. The said previously disputed account was XXXX XXXXs XXXX and was deleted from my credit reports as a fraudulent account. However, when I got my monthly updated credit reports last XX/XX/2021, a new negative account appeared in my reports under the name of XXXX XXXX with the same account number XXXX. So the same XXXX account re-appeared in my reports. I want this to be removed as it is very illegal to add on removed fraud accounts. I have contacted them before to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

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 2021-08-18 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: MS

Complaint narrative:
XXXX XXXX XXXX - I already disputed this account and filed a complaint thru FTC last XX/XX/2021 and this account was removed from my credit reports. The said previously disputed account was XXXX XXXX XXXX and was deleted from my credit reports as a fraudulent account. However, when I got my monthly updated credit reports last XX/XX/2021, a new negative account appeared in my reports under the name of XXXX XXXX with the same account number XXXX. So the same XXXX account re-appeared in my reports. I want this to be removed as it is very illegal to add on removed fraud accounts. I have contacted them before to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Delivery Financial Services, LLC
State: CA

Complaint narrative:
Account Name : DLVRY FN SVC ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: AL

Complaint narrative:
My personal information has been used to fraudulently open personal loans and credit cards without my knowledge. These companies use soft pull to check for mortgages on your credit. I never had a mortgage before. Me and my father share the same exact name and Im a XXXXXXXX

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 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
XX/XX/XXXX I tried to payoff my loan, but Amerihome Mortgage Co. system wouldn't let me payoff the complete amount, so I owe XXXX  XXXX. 

XX/XX/XXXX I received a payoff notice that said they owed me {$41.00} because I over paid interest on the loan. 

XX/XX/XXXX They sent a new payoff that I owe them {$.00} now with no explanation on why they changed what was owed. 

XX/XX/XXXX I called to get an explanation and their representative was going to email another dept. and get back to me. Should take 1 or 2 days. 

XX/XX/XXXX Still no answer on why the change. They have sent me a notice that state 's if I don't pay the {$.00} by XX/XX/XXXX they'll charge me {$56.00} in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I noticed a sharp decrease in my credit score. I then found a fraudulent charge that was accruing late fees and interest on my Barclaysus choice rewards card. I called and reported the charge as fraudulent, and was told it would take ~ two weeks for the charges to reverse. I waited this period, and saw that the fraudulent charges were reversed, but the foreign transaction fee, late payment charges, and interest charged were either not reversed or the amount reversed was not the total related to this charge. I have called to try and get these reversed, and have been put on hold for over 5 hours total, have been hung up on twice, and continue to get passed around to different departments, none of which has been able to resolve my problem. Another late payment and further interest charges have been accrued in the meantime.

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 2021-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: WA

Complaint narrative:
I had my car broken into while I was out on quick jog. My wallet was under my seat, but the theft broken my window of my car and snagged my wallet. While I was out on the run, they ran to and used my card at various places. I was able to get my funds back, except for with Square that has provided me with poor customer service. They have closed the case, even though it was still in the " investigative process. '' I have supplied them with a police report, documentation, photos, evidence, and approximate time that the theft used my Square card in person at XXXX and XXXX XXXX. They went to the store all within a matter a XXXX min and used whatever they could during that time, this shows and reflects on my account. As of right now, the fraud charges have ruled in " favor of the merchant. '' However, I couldn't get them to confirm or explain to me why it wasn't ruled in my favor. Unfortunately, I can not get them to confirm the police report # I sent month ago, as that claim has ended. The only way to communicate with them is via email and when I respond to that email thread, it said the case was closed due to a 2 week inactivity even though the Square representative told me that it can take up to 45 days for the review process of fraud charges. As of right now, I do not think they actually used the evidence I sent them and it was not represented well on my behalf. I am extremely disappointed in how Square is handling this and I believe that they are not following the legal process. 


Here is the email thread from before : Hello, Thanks for the email! Please see pictures attached of car break in! The two transactions that are fraudulent are : XXXX XXXX XXXX {$51.00} XXXX {$180.00} Please let me know when this information has been received and is being processed. As well as the timeline to get a refund on these items. 

XXXX XXXX sent on XX/XX/21 with photos attached, police reports, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
EXPERION has no way to contact a person ; I have spent 3 hours trying to contact someone to find out if a death notice has been placed on my deceased husband 's credit file, but none of the numerous numbers I have tried have yielded a way to talk to an actual person, and none of the automated system 's choices apply.

If a company is sucking up information on consumers without our permission and making money selling it to others, the least they can do is provide a way to contact a live person to discuss issues.

XXXX  and XXXX  make it difficult to talk to a person, but with persistence you can accomplish that end. Not EXPERION. This is just wrong.

I'm quite sure no one cares, but it makes me feel better filling out this form. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or about XXXX XXXX XXXX - an auto loan I had was paid in full. The account from XXXX XXXX XXXX is still showing as ( i ) open and ( ii ) with a balance on my credit report. I disputed this information with Experian - to which they concluded the account and current status will remain on my credit report because " the company '' ( XXXX XXXX XXXX ) has confirmed the results. 

When I initiated the dispute, I provided a copy of the letter I received from XXXX XXXX XXXX stating " consider this notification that the above detailed account with XXXX XXXX XXXX ( XXXX ) effectively shows a XXXX balance as of XXXX XXXX XXXX  '' The letter showing the XXXX balance was not enough for Experian to either ( i ) update my credit file to show this account as having a XXXX balance or ( ii ) change this account from an open status to a closed status.

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 2021-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX/XXXX  XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ive called each company and they said to call the bureaus to remove and they have not been 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 2021-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I called lending club multiple times asking for a statement payoff because I'm closing on my property. I need it to payoff my account. My credit shows 30 days late, I never got phone call, or billing statement. I am visually and hearing impaired. I asked for XXXX accommodation multiple and staff is always rude to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
On Tuesday XX/XX/21 I was charged 2 {$36.00} NSF fees and {$36.00} NSF fee on Wednesday XX/XX/21. Nothing was charged to my account but the fees still came out. I spoke with the bank on XX/XX/21 to try and rectify the situation with the bank. I explained the rep that I did not sign up to receive overdraft protection when I opened the account so I was told that if a charge tried to come out it would deny and I would not be charged a fee for it. She told me it still came out so they would not reverse it even though I did not give them permission to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a CapitalOne Master Credit card opened on XX/XX/XXXX. However, on XX/XX/XXXX, I missed a Payment on the credit card and a late payment was reported to my credit report. The reason for the late payment was that I lost my grand mother, and my work was in an area that was affected by a natural disaster in an area that was sealed off. Long story short, I was going through some challenging time. I have since attempted to resolve this matter by asking capital one to remove the late payment and also turned on Auto pay to avoid any missed payment in the future but only received a general template letter responses to all my request. I have sent a total of 7 letters.

Company response to consumer: Closed with non-monetary relief