vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 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: FL

Complaint narrative:
Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2020-03-11 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:
Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My BananaRepublic ( GapInc ) card has a rewards program they constantly promote for me to use by charging on this card to get cash rewards. Now I have {$90.00} in cash rewards and this card has placed a stop on using my card. I have an excellent credit history with this card and an excellent credit score. When i have tried to use my card since I got these rewards they have declined my card. When I called to ask why they said they thought some fraudulent charges were being made. I verified all charges were my own. Ive made two payments on time since but still can not use my card!! And subsequently can not use the rewards issued. When I call the 800 number I get put on hold and a run around. I even had trouble paying my bill by phone!! They refused to let me pay my card by phone until I was transferred 4 times and answered a bunch of security questions!! Once convinced it was me they accepted my payment!! I have anXXXX credit score!! But I can not get them to open my account so I can use these earned cash rewRds and they will expire soon. I know GapInc is in serious financial trouble but this is ridiculous!! Can you help me get them to allow me to use these points that they enticed me to charge and earn??! Rude rude people there. If they go out of business I obviously dont get to use my rewards!! 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 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Redfin Corporation
State: IL

Complaint narrative:
We are in the process of applying for a mortgage for a condo via RedFin Mortgage. 

We are first time home buyers and have worked extremely hard, and are fortunate enough to have 20 % as a down payment to on the property we chose. 

Our closing date is scheduled for XX/XX/XXXX - and we have been going back and forth with several lenders trying to secure the most competitive rate possible for this large purchase. As we are entitled to do so ... 

When we initially began the application process about a month ago - we were given a rate of approximately 3.65 % using an exceptional credit score ( well into the 800 range ). Then due to stock market changes over the past few weeks the rates began to fall - almost all the way down to 3.125 % ( with the possibility of going lower ). As of two days ago now ( XX/XX/XXXX ) - the stock market continues a very concerning downward trend - but now mortgage rates have suddenly spiked even higher than they were before the markets began to tank. 

We are now being quoted a 4 % rate with no changes to anything - again, with exceptional credit scores - and are being told that other mortgage companies are doing the same thing. This does not seem right that they can raise the mortgage rates this much ( even higher than they were before the market decline ) - especially when the market is not showing any signs of improvement within the near future. How can this be? We are stuck with RedFin Mortgage now at this point - because otherwise we will lose our closing date and possibly the property.

We believe that this issue may be a move by several mortgage companies banding together to artificially inflate the rates to mitigate any loss on their ends ... we would appreciate someone looking into this not only at RedFin Mortgage, but across the board as this notion is extremely disturbing, and could very greatly impact many people in the process of trying to close on a home or condo.

We of course have been arguing back and forth with RedFin Mortgage on this with no luck - and the reason they gave as to how the rates could increase so high in such a short window ( 2 days ) - is that everyone is trying to re-finance and they can not keep up with the requests. Again - we are now stuck with RedFin Mortgage and can not back out unless we forfeit our closing date. This is not right ... 

Please look into this as soon as possible. 

Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
To whom it may concern : Under the Fair Debt Collections Practices Act ( " FDCPA '' ), the Fair Credit Reporting Act ( " FCRA '' ) The Consumer Credit Protection Act ( " CCPA '' ), I have the right to request validation of the debt they say i owe. On XX/XX/2020 I disputed and requested validation for a debt of XXXX dollars from Jefferson Capital Systems giving them 30 days to respond.My letter to Jefferson Capital System was sent certified and received by them on XX/XX/2020. As of today XXXX XXXX Jefferson Capital System has not responded, validated, or removed this account from my credit reports with XXXX  XXXX, or XXXX in which this account is listed on all 3. This is my formal complaint that I believe the agency has violated my right as a consumer by failing to validate a debt at my request and continuing to report this disputed debt to the all 3 credit bureaus listed above. This is a clear violation of both FDCPA and the FCRA. Jefferson Capital Systems has ignored my request for validation of debt ( proof attached ) and by continuing to report to all 3 credit bureaus is causing damage to my character.I 'm requesting that all future attempts to collect this invalidated debt cease and desist and be completely removed from all 3 credit bureaus XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i did received a check XXXX on XX/XX/2017 at that time i was moving from XXXX to XXXX, the check was for a refund of over payment, and the check got lost. Later I close my account with XXXX balance. since then i try many time calling capital one, they put an hold and promise to re issue a new check, every time they wan na verified my address, & i have to wait couples of weeks to received a new one and never received any new check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2020, I paid a seller using PayPal personal payment method the amount of {$790.00} + {$4.00} PayPal fee XXXX {$790.00} total ) for a brand name watch. I have had many transactions with the same seller in the past and never had any problem, so I did not hesitate to make the payment. The seller then sent me a fake watch. I already tried to work out with the seller but he refused to accept the return for a full refund. 

The detail of the transaction including the amount, the transaction ID and the recipient information is listed below. 

Paid with XXXX  XXXX XXXX ( XXXX ) Your backup is MasterCard XXXX Transaction ID XXXX Sent to XXXX XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX {$790.00} Fee {$4.00} Total {$790.00} I submitted a case with PayPal, and after almost a month PayPal came back with the decision made in favor of the seller. PayPal reason was that I used personal transaction and that there was nothing they can do since personal transaction do not have buyer protection. PayPal asked me to contact the bank to see if they can help. I did contact the bank. The bank could not help because they do not have all the information related to the transaction. They said the transaction was initiated by PayPal and not by them, so PayPal should be able to do something about it. 

I contacted PayPal again and relayed the bank message and did escalate to one of the PayPal manager, but the manager said that personal transactions are indisputable and turned me away.

I realized and understand that I might have chosen the incorrect method of payment, but that does not mean that PayPal can not do anything about it. The transaction was initiated using their system. They have all the information related to the transaction. They should be able to do something about the transaction. There are no clear indication anywhere on PayPal website that personal transactions are indisputable. I simply just want to return the fake watch the seller and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: Synovus Bank
State: GA

Complaint narrative:
This is a PREPAID card that is supposed to help build your credit. I applied and paid for expedited processing. I then sent the XXXX dollar deposit required. The application was never processed and they eventually sent me my deposit back via a check but they have reported and continue to report my account as derogatory. There is no customer service number to call them to get information or talk to them about it. They need to get it off my credit reports I have disputed several times with lout success to try to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: TN

Complaint narrative:
These are not my inquires or accounts listed on FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: TN

Complaint narrative:
These are not my inquires or accounts listed on FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Purchasing a home on XX/XX/20 Received email and fraudulant wiring instructions from XXXX posing as my title agent. 
From : XXXX XXXX XXXX XXXX Sent : Wednesday, XX/XX/2020 XXXX XXXX  To : XXXX, XXXX Cc : XXXX XXXX Subject : XXXX XXXX XXXX XXXX, PA XXXX ***This email is from an external source. Only open links and attachments from a Trusted Sender. *** Hi, You need to have the CASH TO CLOSE funds wire to our trust account today to avoid closing delay so that funds can clear in our account on time for closing. I will send the wire instructions once you have acknowledge the receipt of this email, I will be busy with limited access to my phone you can send me an email if you need anything else. 
Sent from my XXXX I called my title agent to confirm wiring instructions & process. Luckily, my real title agent had already educated us on wire fraud. No funds were sent, but I think this email address XXXX should be investigated..

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I dispute with TransUnion and I call the Bk and told them that the credit bureaus told me that they verified my Bk with the original creditor, the Bk said they do not verify with third parties such as credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I spoke to a representative at the Florida Department of Revenue regarding duplicating my child support case. One involved a date from XX/XX/XXXX and one from XX/XX/XXXX which are both the same case and it is close but by law has to be reported for 7 years. I only had the reporting from XX/XX/XXXX and have dispute with FDR multiples times to update my accurate information, I have been paying child support timely from the past 5-6 years ( especially within the past 4 years since employed ) They have reported me as late, they have duplicated the same case. 

Technically, the duplication from XX/XX/XXXX shouldnt even be on my report because its 8 years and 9 months old. And secondly the correct date is XX/XX/XXXX which is set for deletion from all three credit reporting agencies this Spring. 

The XXXX County local child support office has done absolutely nothing to amend the duplication reporting XX/XX/XXXX. I have documents to support this via Transunion, making it to appear as if I owe Florida Department $ XXXX in child support and in reality the accurate reporting is {$51000.00} set for deletion this spring as I served my 7 years credit reporting sentence.

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 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC

Complaint narrative:
In XXXX of 2019 I received a set of e-mails from Fifth Third Bank thanking me for opening an account. I never opened an account with the bank. In fact, I haven't set foot in the state of Ohio in over 40 years. 

The account was opened by : XXXX XXXX Personal Banker II / NMLS # XXXX Fifth Third Bank | XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Oh XXXX Main : XXXX | Direct Line : XXXX | Fax : XXXX I repeatedly tried contacting Fifth Third Corporate HQ immediately after I received these e-mails because I suspected fraud. Not surprisingly there was no way to get through and when I did reach someone they were unwilling/unable/or completely uninformed to help. I followed Fifth Third 's directions to report this to their investigation e-mail and received no response at all. 

I then called the branch in XXXX, Ohio eventually and spoke to Ms. XXXX 's manager. He explained this all away with saying my e-mail address was entered for this account but it was for a different customer who had my same name. I don't have an extremely common last name so found this a bit fantastic but possible. I mentioned the XXXX XXXX example to this manager as well as the nameless person I spoke to at Fifth Third Corporate. 

I left my interaction with Fifth Third distrustful. So I froze all of my credit reports. Thank XXXX I did because now the Press is reporting just as I suspected that Fifth Third mimicked the dishonest XXXX XXXX. 

I want Fifth Third to contact me and provide me with an attestation - something I requested of Ms. XXXX 's manager - that no account was opened in my name. If there was I want to know who opened it and how, if my credit was tarnished, will I be made whole.

Fifth Third needs to be fined heavily for this behavior and people there need to be sent to prison. I have worked so, so hard to keep my credit rating at an excellent level. Some dishonest jerk who needs to make an unacceptable quota finds my information through dishonest means and opens an account in my name. That is STEALING! 

Furthermore, is likely evidence that Fifth Third has not/not stopped opening accounts without customers ' knowledge. Please reopen your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Closed my account For no reason, Im not even know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arco Collection Services LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX in XXXX, TN filed suit to collect a debt allegedly owed to XXXX XXXX XXXX or about XX/XX/XXXX. I was not served or provided notification of a case or a debt held by the agency. A levy was subsequently laced on XX/XX/XXXX. I have contacted the agency, and advised that no notice was left at my residence, nor was any notice received. The biller has refused to provide a detailed transaction summary, verification of debt, or detailed balance. The original biller, XXXX XXXX did not provide credit for financed insurance policies, and declined to honor a XXXX XXXX  XXXX claim requested in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
A payment has been paid but has not reported to credit reporting causing an Inaccurate score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: AL

Complaint narrative:
EXPERIAN STATED THAT THEY WERE STILL REVIEWING THE INFORMATION, XXXX XXXX INFORMED ME THAT THEY HAVE REMOVED THE BANKRUPTCY AND HAS SENT THE INFORMATION TO EXPERIAN TO HAVE IT REMOVED. 
EXPERIAN IS STALLING WHEN DOING WHAT THEY ARE SUPPOSE TO DO.

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 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RFNA, LP
State: TN

Complaint narrative:
XXXX XXXX XXXX in XXXX, TN filed suit to collect a debt allegedly owed to Republic Finance m or about XX/XX/XXXX. I was not served or provided notification of a case or a debt held by the agency. A levy was subsequently laced on XX/XX/XXXX. I have contacted the agency, and advised that no notice was left at my residence, nor was any notice received. The biller has refused to provide a detailed transaction summary, verification of debt, or detailed balance. The original biller, Republic Finance did not provide credit for financed insurance policies, and declined to honor a XXXX XXXX XXXX claim requested in XX/XX/XXXX.

Company response to consumer: Closed with explanation