vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX and XXXX of XXXX, I experienced technical difficulties with XXXX XXXX processing my credit card payments for my accounts through the app. For some reason the system would not take payments but after attempting to process the payments more than 3x, the system was reflecting that a payment was not due. I had to pay the late charges but I was advised back in XXXX of XXXX that the payments would not be reflected to the credit bureaus as late. Once I received notification that the late payments had indeed posted, I immediately sent notice to XXXX XXXX to have these erroneous late payments removed. I never received any correspondence back from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I paid {$120.00} through Citibank credit card for two pairs of trousers from XXXX XXXX XXXXXXXX that were never received by me. XXXX XXXX XXXX XXXX$120.00} on XX/XX/2020. 
The seller says they were delivered but they were not received by me. They initially offered me a refund but reversed the credit. There was no way for me to contact the seller at all except by very delayed email. So I have paid for items I never received. Surely they have insurance for lost or stolen items. 

The dispute center said this : Reason for Dispute Goods / services never received Credit Status Conditional credit reversed Investigation complete Resolved in merchant 's favor XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08 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: IL

Complaint narrative:
In an attempt to clean my credit account with the XXXX major credit bureaus. I filed disputes with XXXX XXXX XXXX XXXX Equifax XXXX and XXXX XXXX XXXX. 

XXXX : was very helpful in removing a bankruptcy that was dismissed and had several inaccuracies. 

Equifax : unfortunately never properly investigated this matter and refused to remove it before the XXXX suggested period. 

XXXX  : unfortunately never properly investigated this matter and refused to remove it before the XXXX suggested period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I've been unable to access myequifax.com for the past three days in order to view my account, manage a freeze, or dispute a negative entry on my credit report. I have tried calling equifax as well and gone  through their identity verification process, yet despite providing them with balances to my various bank and credit accounts while directly viewing those balances online, they are unable to verify my identity over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
From XXXX to XX/XX/XXXX somebody made 9 seperate unauthorized transactions from my account Totalling {$1400.00}. On XX/XX/XXXX i submitted a dispute with chime bank dispute dept. They told me that i would receive a provisional credit in 10 days. On XX/XX/XXXX i got a email saying my dispute was denied. I called chime dispute team and they told me that they denied my dispute for insufficient evidence. They said they didn't get a response from the Merchant. 
I myself tried to call the Merchant and The Merchant ( XXXX ) has no phone support.

My wife had Covaid 19 and we are really struggling to make ends meet. This {$1400.00} was to go toward our bills. On Chime bank website it clearly states that Visa has a zero percent Liability policy on unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emerald Coast Collections, LLC
State: IL

Complaint narrative:
After reviewing my credit report on XX/XX/20 I noticed a collection account from Emerald Coast Collections for a " XXXX XXXX XXXX MD PA '' in the amount of {$480.00}. Not only do I not even know a XXXX XXXX XXXX XXXX XXXX, but I haven't been to the doctor 's since I was serving in the U.S military from XXXX and now I only use doctors from the Veterans Association. On top of not knowing XXXX XXXX XXXX XXXX XXXX, I have never received a bill from any doctors office. When I XXXX XXXX XXXX XXXX XXXX XXXX, an address of XXXX XXXX XXXX, XXXX XXXX, IL XXXX appears. I have NEVER been to XXXX XXXX in my life. I am requesting that Emerald Coast Collections provides proof of who XXXX XXXX XXXX XXXX XXXX is, any bills that are in my name from XXXX XXXX XXXX XXXX XXXX, any correspondence from XXXX XXXX XXXX XXXX XXXX, who XXXX XXXX XXXX XXXX XXXX actually is and where he practices medicine, and what the bill in the amount for {$460.00}. If Emerald Coast Collections can not furnish all if this information, I am demanding they delete this account for {$480.00} from XXXX XXXX XXXX XXXX XXXX off of my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
On XX/XX/2020 Quicken Loans/Rocket Mortgage called me multiple times during my work day to try to refinance my mortgage although I had previously indicated that I was not interested at this time because we wanted to sell our home. The agent on the phone asked if I would like to make an appointment which I agreed to. I could not hear the agent entirely, but apparently he asked if I would allow him to pull an updated credit report. I did not realize that I gave permission for this. I was never asked for my social security number or birthdate, so the agent had to indication that the person whom he was speaking to was the actual owner of the account. Immediately after this phone call, I received notification that my credit had been pulled and I did not understand why my credit was pulled when I never filled out an application to refinance my mortgage. I contacted Quicken via an online agent who said that " someone '' filled out a  credit application online and that if it was not me, I should file a police report, although their own agent admitted to running my credit report. Shortly after, my husband 's credit report was pulled and he never gave his permission for this nor was he even on the initial phone call. When I asked the agent why my credit was pulled, he said it probably wouldn't effect my credit score " too much. '' This was absolutely an egregious abuse of our personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: ERC
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contract with these companies. I do not recall doing business or applying for these accounts, please see the following : ENHANCED RECOVERY # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I applied for a mortgage forbearance plan with my mortgage servicer company Quicken Loans as my family income has been adversely impacted by the Covid-19 pandemic. My mortgage is an FHA-secured loan which was subject to the temporary relief afforded by the CARES ACT, signed into law in XX/XX/2020. 
A 6-month forbearance was approved by Quicken Loans in XXXX, XX/XX/XXXX. My approved forbearance plan allowed me to temporarily reduce my mortgage payment through XX/XX/2020. 
Under the temporary relief afforded by the CARES ACT, at the beginning of XXXX,XX/XX/XXXX, I requested a 90-day extension of the forbearance plan, which was also approved by Quicken Loan. The extension of the forbearance plan allowed me to reduce my mortgage payment to XX/XX/2020. A letter from Quicken Loans dated XX/XX/2020, confirming the forbearance plan extension is attached herein. 
However, in first week of XXXX, I received a big package of documents from Quicken Loans, indicating that my loan was past due 153 days, and that it was in default. The documentation attached with the package indicated that Quicken may start foreclosure procedure see Frequently Asked questions section, page 4 of 4. A scanned copy of the package is also attached herein. 
I contacted Quicken loans right away. I had conversation with a representative XXXX XXXX on XX/XX/2020 at XXXX XXXX  eastern time. Our conversation was recorded, and XXXX read me a disclaimer that any information obtained could be used to collect a debt. However, XXXX XXXX informed me that I was secured by the forbearance plan and that as part of the forbearance plan, I would keep on receiving monthly statements. 
However, when asked why I was getting a NOTICE, he could not answer to my satisfaction. He repeated his assertation that You are OK. 
I remember the cruel and rampant and at times, illegal foreclosure actions taken by the mortgage servicer companies in the last housing bust during XXXX. Assertions by the representative of Quicken that I was ok did not reassure me. In fact, after receiving this new Notice, my XXXX  have increased ( in addition to the XXXX  related to the COVID-19 situation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX2020 Verification letter The company did not respond in the 30 days with verification, still has not removed accused debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XX/XX/XXXXXXXX XXXX2020 Verification letter The company did not respond in the 30 days with verification, still has not removed accused debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
State XXXX XX/XX/XXXX card XXXX On XX/XX/XXXX funds were deposited at midnight on XX/XX/XXXX my account was hacked on XX/XX/XXXX I waited forever to get a human and file the complaint they said I really couldn't follow complaint until Monday. Took 6 hours to get a human on Monday to follow complain I was assured that I would get a provisional credit. Since then nothing I can not get rid through to a person all of their phone numbers lead to a another transfer that put you on another hold and another person and they're telling me they can take 45 days to refund or provisionally credit this account. How is a human 's post to live that long. I'm on XXXX is it is. My name is XXXX XXXX. Claim # XXXX Landline XXXX If I failed to provide any info I need please contact me this is very important to me and understand that everything that I'm doing is being published Uploaded and shared via a blog

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 2020-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX my cash app card stopped working and started declining due to unusual activity when I contact the cash app I was told that XX/XX/XXXX unemployment requested them to freeze my funds and wire it back to them my money disappeared on my account on XX/XX/XXXX and I had a message saying that it was wired back to XX/XX/XXXX unemployment every since then I have been contacting XX/XX/XXXXunemployment and cash at back and forth and XX/XX/XXXX unemployment has told me they didn't they have never received any funds back from cash app and that cash app is stealing my money and lying to me I'm honestly fed up with this and I really don't understand why I'm being lied to and why cash at feels the right to hold onto my money it has almost been four months now that I have been without thousands of my dollars I have bills and a child to take care of and it's really frustrating that I keep getting the runaround and being lied to I honestly just want my money back and I want cash app to tell me the truth on where my money is actually at

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Recently I have applied for a Chase Freedom XXXX card, despite my credit score being in the very good category they have denied me, They have listed my score at XXXX. My current credit card uses is about 35 % and My bankruptcy was more than 10 years ago. I have strong feeling that I'm being unfairly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All three credit reporting agencies, XX/XX/XXXX, TransUnion andXX/XX/XXXXare reporting that my XXXX XXXX XXXX account has been closed? I did not close this account. This caused a drop in my credit scores. XXXX XX/XX/XXXX reported that the account was paid off ( meaning balance on account was paid off ) ; however, the credit bureau 's are treating this information as a closure of the account. Please have them verify that this account is still open and in good standing.

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 2020-10-08 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: GA

Complaint narrative:
All three credit reporting agencies, XX/XX/XXXX XX/XX/XXXX and Equifax are reporting that my XXXX XXXX XXXX account has been closed? I did not close this account. This caused a drop in my credit scores. XXXX XX/XX/XXXX reported that the account was paid off ( meaning balance on account was paid off ) ; however, the credit bureau 's are treating this information as a closure of the account. Please have them verify that this account is still open and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of Education and Great Lakes, my loan servicer to update the record but it has not happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I applied for a Lowes credit card on XX/XX/20 for the 20 % off introductory offer + 5 % off if I opted for one time payment vs 6 months installments. The application was approved and I placed an order for a XXXX XXXX which was scheduled to be delivered on XX/XX/XXXX. 

On XX/XX/XXXX, I was sent an email informing me that the delivery date has been changed to XX/XX/XXXX. 

On XX/XX/XXXX, I received an email stating that my order was cancelled. 

After talking to customer service, they informed me that the payment didn't go through. After 18 days! Even though I used a credit card I applied for that day and got approved and used it to make the purchase. 

So now I have an impact on my bureau, no grill and Lowes is refusing to correct the matter.

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 2020-10-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In an attempt to clean my credit account with the 3 major credit bureaus. I filed disputes with ( XXXX  ) ( XXXX  ) and ( Experian ). 

XXXX  : was very helpful in removing a bankruptcy that was dismissed and had several inaccuracies. 

XX/XX/XXXX: unfortunately never properly investigated this matter and refused to remove it before the 7year suggested period. 

Experian : unfortunately never properly investigated this matter and refused to remove it before the 7year suggested period.

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 2020-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: AL

Complaint narrative:
I called and Dynamic Recovery Solutions ( hereinafter DRS ) and DRS would not provide any evidence of the claimed owed {$380.00} andwhich claimed debt they inserted in my credit file. I called the asserted provider Florida XXXX XXXX Department to verify that I had a " 0 '' balance and they confirmed a " 0 '' balance but XXXX would not accept the information but offered to send me a " packet of forms to fill out '' which XXXX was intended to extend the adverse credit reporting to XX/XX/XXXX and on information and belief other credit reporting businesses. I never received any forms to fill out and their agents were abusive. I contend that they engaged and committed a " tort of outrage '' using their business position to effectively cause an inability to obtain other shelter should I lose my present shelter and intentionally damaging my credit using their business position. It is my understanding that this is their business practice. 
I claim that the emotional distress and time associated with their trying to reverse their actions of committing a tort of outrage caused me extensive monetary damages and due to my medical condition threatened my life. Upon information and belief XXXX has committed like acts againts thousands if not 10 's of thousands of consumers like myself to force collection of invalid debt claims delaying removal of negative reporting to further harm persons like myself intentionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 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: CBC Companies, Inc.
State: TX

Complaint narrative:
all information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY potentially negative icon Potentially Negative StatusCollection account. {$92.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$92.00} Date XXXX Details Revolving Accountsshow tooltip button XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$940.00} Date XXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Details XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$640.00} past due as of XX/XX/2020. 
Account XXXX XXXX XXXX {$7100.00} Date Opened10/06/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS SOME ACCOUNTS AND AN INQUIRY REPORTING ON MY CREDIT FILE THAT IS INACCURATE. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRY. I HAVE NEVER AUTHORIZED THE ACCOUNTS AND INQUIRY. I AM ASKING THE YOU PLEASE HAVE THESE ACCOUNTS AND INQUIRY INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE. THEY SHOULD NOT BE REPORTING ON MY CREDIT BECAUSE THEY DO NOT BELONG TO 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