vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: TX

Complaint narrative:
Ok so i thought there were fraud charges on my us bank relicard ( unemployment ) so i called to report and then the fraud departure lady asked me if i wanted a new card I said sure she said it will be there in 4 to 5 days well it came and i went to activate it and it was locked so i called and they told me i would have to send in a current id. And a selfie so i did the first ssid it was blurry to go through the steps again so i did well it was blurry again i found out this because i called they didn't send me no email or call so then they said ot has to be a valid id that i didn't have and they didn't say this when they asked if i wanted a new card they didnt say nothing about having to send any documents to get my card validated so then they ask me for all these other documents they said they didnt get this was the first week of XX/XX/2020 it is now XX/XX/XXXX and stiil they have {$1600.00} dollars of mine they wont release because they say they will only take a valid id which i dont have do to other documents i need to get it i am without electricity and water and food because of them not unlocking my card i called about and them not telling me all the documents i would need after asking if i needed a new card i didnt ask them they asked me it was shady on there part to do this to my kids amd i XXXX.i wouldve just kept my other card i have been in tears i have done what they have asked me to do about sending in other documents but they are holding my unemployment the only money i have hostage and them the send me a letter say if nothing is done buy the XXXX of this month XXXX they will send it back to unemployment i am at a virge of a nervous breakdown i dont no what else i can i do so i am begging and pleaing for your help please help me please

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 2021-03-06 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: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
Reason ; The reason for my complaint is that in our current loan refinancing with cashcall mortgage, we have not been treated fairly in the refinancing proccess. 

What happened ; Started refinancing with cashcall mortgage in XX/XX/XXXX and still have not funded our loan. 

File Complaint ; Cashcall mortgage loan rep XXXX XXXX and loan processor XXXX XXXX have caused a lot of pain and suffering in the last 3 plus moths with the continuous lies about funding our loan and not delivering. our last update was XX/XX/XXXX from XXXX XXXX telling us that our loan was funded and of course it has not. 

Company Involved ; Cashcall Mortgage Who are the people involved? 
XXXX XXXX ( Loan Rep ) and XXXX XXXX ( Loan Processor )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
When I opened my Ally account 6 months ago I opted out of EVERY " information sharing '' option they gave me. 
Today I get a general Privacy Info letter telling me I need to go to their website to opt out again! 
I go to said website but their website WILL NOT LET ME OPT OUT! 
I enter my account info, my info & try to " continue '' by clicking that button, but website does NOTHING. I am stuck there unable to opt out of their privacy invading tactics! 
It's a XXXX tactic & I hope you can put a stop to this. 
thank you. 
Attached is an image of the point at which Ally Bank blocks my ability to opt out of info " sharing ''. There is a 'continue ' button that does NOT work. I can not continue in any form past that point. Essentially blocking my ability to give my preferences

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 2021-03-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: LA

Complaint narrative:
Try to use my u.s. Bank ReliaCard they said my account was suspended I called on the XXXX  they said they were updating their security I needed to send a picture of my driver 's license front and back and a selfie of myself did that waited two days on the XXXX of XXXX that asked me for the same thing again I called them on the XXXX because that's my unemployment money and that's all I have to feed me and my family they said I had to wait another two working days until they can identify my selfie with my license I've never had trouble with my card before don't understand why they have a hold on my card anyway and they will not release my unemployment money

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 2021-03-06 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: FL

Complaint narrative:
THE ACCOUNT LISTED BELOW IS A FRADULENT ACCOUNT- DOES NOT BELONG TO ME. TRANSUNION & THE CREDITOR/DATA FURNISHER HAVE REPEATEDLY FAILED TO VALIDATE & PROVIDE METHOD OF VERIFICATION AS REQUESTED SEVERAL TIMES. THIS IS A DIRECT VIOLATION OF MY FCRA CONSUMER RIGHTS AND I HEREBY DEMAND FOR THIS INFORMATION TO BE REMOVED FROM MY TRANSUNION CREDIT REPORT DUE TO THE AGENCY 'S INABILITY TO SUBSTANTIATE THEIR CLAIM THAT THE ACCOUNT BELOW BELONGS TO ME : XXXX XXXX |Acct No. 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 2021-03-06 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I paid off my chase freedom UNLIMITED credit card with {$1800.00} on the full balance of {$1700.00} plus interest-leaving a credit balance of {$29.00}, as shown on my XX/XX/XXXX statement. 
After having verified that my credit card was paid in full, I requested additional card for my daughter, XXXX XXXX XXXX on this account. I did not receive the card for a while, and requested again electronically in the chase mobile app. Then I received 3 identical copies of the same account number in my daughter 's name ( I live in the same address as my daughter since pandemic started in XX/XX/XXXX ) .When I got my next bill in my app, it showed a purchase of {$730.00} from a certain XXXX store in XXXX XXXX, New Jersey on XXXX XXXX. I then asked my daughter if she made the purchase-to which she replied that she had not even activated the card yet. Neither me nor my daughter had ever been in that store, and so I called the XXXX right away, and told the customer representative ( name is XXXX ) that this purchase was not an authorized purchase, and hence a fraud. I told him that my daughter had not even activated this card yet, to which he replied that this type of card did not need activation, and was ready for use upon receipt. ( This is poor security protocol because if someone else got hold of this card when the mail was in transit, he or she could just literally go to any store. ) I was then told that they would investigate this, and that I had to wait for the result. Meanwhile, the purchase was deleted during the investigation process. 
On XX/XX/XXXX, I got an email stating that the transaction was valid ( copy herewith ) and that I am obligated to pay. I immediately wrote them a letter by post ( copy herewith ) reasserting that such transaction was never authorized by me nor any of my authorized user, and requested CHASE to furnish me a copy of the documents that they used as basis in the investigation, why they believe that the charge was proper and not a fraud. 
On XXXX XXXX, they replied by email ( copy herewith ) that they have reviewed this case and that the transaction was valid, and I am responsible to pay for this-and the case is closed, without giving me the proof that I had requested. 
Hence, this complaint wherein I am required to pay for item/items ( do not have a receipt of the fraudulent purchase ) that I did not purchase in the " XXXX '' store.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-06 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: PA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct.The creditor has agreed to delete this account. Please contact the furnisher and they will confirm this. Then remove this account from 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 2021-03-06 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: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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 2021-03-06 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: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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 2021-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2020 I received a phone call and a letter from XXXX XXXX XXXX that an Account had been turned over to them to collect. The amount was XXXX and they gave me an account and reference number, neither of which gave me any information about where the debt originated. I had to get a credit check from one of the credit bureau 's to find out who the account was with. I never received a bill or notification until the collection agency. I sill could not get any other information except the bank that issued the PayPal credit card. It was listed as written off with the credit bureau. The account was opened and the maximum amount of XXXX was immediately charged and of course no payment was ever made. I have no idea where or how my personal information was obtained to open this account. I don't know why I never received any notification or bill if they had my information. I am thinking the collection agency just searched the name and came up with an address and phone number.

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 2021-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We have been up-to-date on our auto-payments ( even paying extra towards the principal ) monthly when covid19 arrived in XX/XX/XXXX. We availed of the forbearance offer of Chase / XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX because of the fear and impact of the pandemic. Being slowly able to manage our finances, even while in forbearance, we resumed our monthly payments starting in XX/XX/XXXX to XX/XX/XXXX. We felt the covid19 situation was getting handled better so we called Chase on XXXX XXXX to officially opt out of the forbearance, have the other outstanding payments deferred and set up monthly auto-payments again for XX/XX/XXXX. Company rep " XXXX XXXX told us that our case needs a review and they will mail us their decision (? ). End of XXXX we got mail that our " Assistance Review Application (? ) '' is insufficient so we have to submit a hardship application complete with income, bank statements, 2 years ' tax returns, paystubs, pensions, etc., and foreclosure activity may proceed but house will not be sold until after XX/XX/XXXX. We feel this is so unfair, us consumers are being bullied and abused. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have nine credit cards with various stores that are backed by synchrony bank. I contacted synchrony bank and was told all of my accounts with them had been closed. I have no notification of my accounts being closed previously from them or anything in writing. I was told that this was taking place automatically by their computer system across-the-board due to either late payments, credit worthiness, or due to my mortgage.I responded back to the customer service rep stating my credit score is over 700. do have other cards however have less than 13 % utilization debt to ratio, no late payments on any card I have. I just refinanced my home due to the interest rates dropping going from an FHA to a conventional, however did not any money out and only refinanced what I owed. The current amounts that I owe on their cards are very little if any amount at all. The customer service reps justification does not match my credit file, my credit worthiness or my credit score. Buy them doing this this will make my credit score drop and impact me tremendously. I feel this is incorrect and they need to be investigated. They can really ruin someones life who had good credit.

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 2021-03-06 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: CA

Complaint narrative:
XXXX  XXXX showed up on my experian account. I immediately tried to file a dispute with Experian as i have NEVER had an XXXX  XXXX account ever. They did not remove from my credit report. 
This is not my debt. 
I have never authorized anyone to open an XXXX XXXX XXXX account. 
I attempted to have experian remove this again and they still have not removed from credit report. Super frustrating b/c this is not my account, nor have I ever had an XXXX XXXX XXXX service or account of any kind ever.

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