vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 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: U.S. BANCORP
State: AZ

Complaint narrative:
I have filed a credit card dispute with US Bank and they refuse to follow the XXXX Chargeback Guidelines in the process of my dispute. Subsequently, I have been denied due process in my claim against an auto repair company who I believe perpetrated an intentional repair upon me. 

My complaint against US Bank Credit Card US Bank has ignored my rights and due process as they relate to the XXXX Chargeback Guide as follows : 1. Closed my credit card dispute with XXXX XXXX XXXX XXXX without good cause, stating I received the services I paid for. In fact I clearly did not receive the services I paid for with the merchant which was stated in 6 pages of supporting documents that I submitted with my complaint to US Bank in accordance with the XXXX Guide Chargeback Guidelines. 

2, US Bank is now requiring me unjustly to submit a third party opinion letter before they reopen my case. According to XXXX chargeback guidelines it is at the cardholders discretion if they choose to submit a third party opinion for a charge back to be submitted. ( See XXXX Document ) US Bank has no right to request such a third party document at this stage of the credit card dispute.

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 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
I applied for a mortgage refinancing with Amerisave Mortgage Corporation XX/XX/XXXX, and was charged a {$500.00} application fee. 

I provided all requested documentation to support the application. 
I was provided with an initial closing disclosure XX/XX/XXXX. 
I made repeated requests to obtain an updated disclosure statement since rates had continued to change during the extended period. While rates had continued declining, the updated disclosure fixed the rate the same while cutting the previous lender credit offered in half. 
On XX/XX/XXXX I emailed my originator requesting updated pricing ( rates/pts ), which I received that day. I then requested updated disclosures with one of the pricing options in the table. 

On XX/XX/XXXX, 80 days after my application, I was emailed a notice from " XXXX '' stating that " we have closed your file for incompleteness or we are unable to approve you for a loan program ''. 

The email also said " Attached is a notice of declination which indicates the reason ( s ) your loan request could not be approved. '' However, there was not an attachment, there was a link to a message that said to log into my Amerisave portal account and click the link again. I followed the instruction and still could not get the explanation document. 

I called my assigned loan processor, who told me that there was an apparent underwriter 's note that indicated the application had been denied due to excessive debt to income ratio of 85.6 %. That is a completely erroneous figure. It is actually 1 - 85.6 %. I requested that a copy of the notice of declination be emailed to me, but they did not have access to the file. 

I called the customer service phone number to complain about this situation, and I was told that the case was being elevated to two supervisors ( the originator 's and processor 's ) and that I would receive a reply within 24 hours. I have not received any reply as of yet, which is beyond the 24 hours now. 

Amerisave charged {$500.00} to APPLY for a mortgage refinancing which the originator said would likely close within 45-60 days of application. After 80 days I received a denial of service without explanation, and have not been able to obtain explanation after reaching out to customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
on XX/XX/2020 I previously disputed these items asking them to verify the accuracy of these accounts with proof of verification and in their response they verified the items as " Verified as Accurate, '' which implies they have verified the information with the court and medical provider. I contacted the court and their response was, they DO NOT report to them or any credit bureau or third parties. And they are implying that I signed a content form to release medical records, diagnosis, fee schedule pertaining this account. It is my believe that their original response is an error or a lie!

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 2020-11-11 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: NY

Complaint narrative:
Experian responded that my complaint is not authorized by me. That is false, and I XXXX XXXX am a victim of identity theft, and I myself am sending this complaint to the CFPB and EXPERIAN, so that i can get help with the fraudulent accounts on my credit 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 2020-11-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is under the mistaken impression that they can investigate now or that their investigation can take another 30 days. WRONG. You were notified via certified mail in XXXX. Your 30 days to investigate ran out in XXXX. YOUR TIME TO INVESTIGATE PER THE FAIR TRADE CREDIT REPORTING ACT IS OVER! 

IF YOU PERSIST I WILL SUE YOU IN SMALL CLAIMS COURT FOR {$10000.00}. 

XXXX, based on the same information, has deleted these accounts. That sets precedent in a lawsuit.

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 2020-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In XX/XX/2020, company known as " Exeter Finance '' charged off an account in the amount of {$15000.00} on my credit report. The company sold the vehicle to another individual and is still trying to force me to make payments. I disputed the debt through credit bureaus because I am no longer responsible for making payments on an automobile that belongs to another individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ALL ( 3 ) " CRA '' REPORTING INCORRECT OUTDATED SINCE XXXX  AND " PACER '' DATA OF ACCOUNT NOT MINES ... .. XXXX BANKRUPTCY ID # XXXX AND DUPLICATED OF VARIOUS OTHER ACCOUNTS REPORTED UNDER THE SAME AS BANKRUPTCY ... ID FRAUD ACCOUNTS " : BANKRUPTCY XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX , XXXX  XXXX , XXXX XXXX, XXXX/ XXXX, XXXX XXXX XXXX, XXXX XXXX  '' .. REMOVE ALL FRAUD ACCOUNTS FROM CREDIT FILE ASAP.

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 2020-11-11 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: AFNI INC.
State: MS

Complaint narrative:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$220.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX of XXXX, XXXX ( XXXX ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely 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 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Approximately on XX/XX/XXXX or XXXX of 2020 I submitted a credit increase request via the automated phone service with Capital One because the Customer Service Representatives can not do this over the phone. I am working to increase my credit availability and credit score in preparation to purchase a home so this is not an outrageous request, especially since my payment history with them has been impeccable over the past few years on both accounts that I have with them. 

I received a denial letter of the increase request, the reason given was because there were too many recent inquiries on my credit report. So, I wrote a letter to explain that the credit inquiries were because I recently purchased a new vehicle and the dealership was not aware that I was planning to use XXXX XXXX XXXX XXXX to purchase a vehicle and they ran my credit searching for a lender, hence the reason for the inquiries. There have been no others and I have not been approved for any other credit recently other than the vehicle, which I have been approved by XXXX XXXX XXXX XXXX. 

However, I wrote to explain this so I can still be considered for a credit line increase, again to better my credit, but I receive a letter back telling me that they are unable to fulfill the request through written correspondence and the letter proceeds to tell me to call the XXXX number. 

This information is sending me in circles and I am not going to run down rabbit holes trying to get this request honored. What ever happened to quality customer service? The Customer Service Representatives that I do speak to can't help me with my request and the automated service denies it without being able to comprehend an explanation and then it can't be acknowledged and addressed via written correspondence. What the XXXX? I am so disappointed. I never thought that I would get this kind of run around and terrible customer service from Capital One of all companies. 

I do not want to close my accounts with them or pay off the entire balance and stop using the cards but if this is the kind of customer service I am going to get I will have no choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Self Financial Inc.
State: TX

Complaint narrative:
A fraudulent account is reporting on my XXXX credit file from Self Lender/XXXX XXXX XXXX. I have been a victim of identity theft in the past and I have not had a business relationship with this creditor. I have attached a current police report filed with the XXXX TX Police Department & ID Theft Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: ID Analytics, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$220.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX XXXX, XXXX ( XXXX ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/20 I was transferring through my XXXX XXXX account {$500.00} from my Chime Bank account into my own XXXX XXXX account. After doing so the money never showed up into my cash app account. I then realized my money didn't go to my own account, but instead went into another person 's account. I immediately canceled the transaction, tried to call cash app ( the number is an automated system that refers to an email ) sent a support message to cash app through their help section of the app. I received an email confirming my cancellation request. I sent a help ticket to Chime requesting a stop on the transfer. Chime said they couldn't do anything until the transaction was no longer pending. I sent 2 more messages with no response to cash app. Finally, after the transaction posted and the transfer was complete XXXX XXXX emailed me saying they know it's not the response I hoped for, but since the transaction is now complete they couldn't help me. Nevermind that the money was transferred unauthorized to a stranger 's account, nevermind I contacted them immediately, and I canceled the transaction. I requested a telephone number to speak with a person, and all they've done is email me saying they can't/wo n't help me. I filed a formal dispute through Chime and am still waiting to hear from a manager. Chime originally told me no they wouldn't help me because it wasn't completely unauthorized and that I'd have to go to cash app, but then I asked about being covered under the EFTA because I noticed the ERROR and contacted both Chime and Cash App immediately and tried everything in my power to correct it, they sent me a form to fill out. Under Regulation E the EFTA States that '' if a consumer notifies an institution that an error involving an EFT has occurred, the institution must investigate and resolve the claim within specified deadlines. Errors covered by this requirement include unauthorized EFTs, incorrect EFTs, and the omission from an account statement of an XXXXFT that should have been included. '' I'm getting no help on resolving this issue. My {$500.00} is in someone else 's account, and cash app is neither reversing the transaction to my chime account or to my cash app account. Please help me. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I sent dispute letter over 45 days ago to advised creditor that are reporting account incorrectly and to have account updated. Per my request, I have advised that this account as been paid and full with no late payment history on account and to have account closed. This information listed on my credit report is incorrect, inaccurate, and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have sent letters to TransUnion regarding this false information on my credit 3 months ago and they have yet to correct the issue these following items should not be on my credit and is not true 1. XXXX/XXXX XXXX and XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 2. XXXX/XXXX XXXX and XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 3. XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 4. XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 5. XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 6. XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 7. XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 8. XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 9. TRANS UNION Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 10. XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 11. XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 12. XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX. XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 14. XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : 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 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I Just my home in XX/XX/XXXX for XXXX. In XXXX we fell on hard times due to son being ill. We filed chapter XXXX in XXXX hit the lottery for XXXX XXXX paid all post and prepetition debts mortgage increased XXXX a month. Again in XXXX husband became ill fell behind on mortgage entered in a new chpt XXXX in XX/XX/XXXX decided to sell home principal balance was XXXX sold for XXXX recieved XXXX at closing PHH stated payoff was XXXX as of today I do not own the home they are still reporting delinquent still trying to foreclose and staying I owe XXXX although I have all documentation. 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 2020-11-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: WI

Complaint narrative:
My WI XXXX XXXX Eppicard was suspended for fraudulent activity in XXXX. Twelve unsuccessful attempts to speak contact customer service @ # listed on card. Minimum time waiting was 45min max time in line 2.5 hrs. Never speaking to a live person. Each call attempt was made @ diffrent time & day of the week to rule out high call volume times. 

After waiting 65 minutes I spoke with a Level 1 representative who said id need to speak with a L2 agent. 204 minutes wait time. The L2 agent asked for the same information I provided L1 After L2 verified my information was correct transferred me to L3 agent to lift suspension from my card. My call in queue 137min. When the L3 agent answered the call was dropped. 
Forcing me to start over @ L1 At L1 or L2 I wasn't given an explanation for the suspension. The fraudulent activity was never addressed or mentioned by representatives, agents at all. 
Wait times are unacceptable

Company response to consumer: Closed with explanation