vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIGY USA CORP.
State: CA

Complaint narrative:
On XX/XX/2020 The law offices of XXXX XXXX XXXX XXXX was trying to XXXX all of my bank accounts for the amount of {$8200.00} I don't have any knowledge of this debt and why they are tying to levy my account I want an end to this harassments from this company XXXX XXXX XXXX  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The balance on my credit report is inaccurate. I have disputed with no response. They never answer the phone but keep reporting me every month to the credit burrow.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There are fraudulent inquiries on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB MANAGMENT SERVICES Last reported XX/XX/2020 {$4700.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor unfortunately this is the only Information shows on my credit report, don't show account number or a telephone number to call, I already dispute this with XXXX and XXXX it was no response from them please help me to resolve this thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: KY

Complaint narrative:
There is a false claim against me that has effected my credit score negatively. It is a credit card account. I have never knew anything about this account. Someone has committed fraud and needs to be held responsible. When I received a bill in the mail about an account I never knew existed I did some investigating. As of now on this account it says there is {$5500.00} due balance. How is that even possible when it says there is a {$2000.00} limit? It also says the account was closed on XX/XX/2019. And on XX/XX/2019 the account had a {$0.00} balance due. This makes no sense. All I can say is my credit score needs to be fixed and I never even knew about this account. Please see the attached images I have attached to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: WA

Complaint narrative:
Contacted Reverse Mortgage Funding LLC regarding paying off my reverse mortgage, first by phone on XX/XX/XXXX, then by online submission of their payoff request form also on XX/XX/XXXX. Heard nothing so I followed up on XX/XX/XXXX by phone. Was told it had been emailed on XX/XX/XXXX, though nothing from them was ever received including in junk mail. Company emailed me the payoff quote on XX/XX/XXXX at XXXX XXXX. During the phone call on the XXXX, I asked how to keep the account open. They said to underpay by {$50.00} which would keep the line of credit open. So following their instructions I paid {$50.00} less than the full payoff quote and labeled my payment as a partial loan repayment. I paid {$220000.00} on XX/XX/XXXX by wire transfer. The mortgage company accepted the wire and in my account online the payment was recorded as a full payoff on Tuesday, XX/XX/XXXX. Obviously even though I underpaid by {$50.00} as instructed, the amount wired was adequate to pay the balance including interest and MIP prorated through XX/XX/XXXX. A refund of approx. {$400.00} would have been due as the amount submitted was an overpayment above the prorated figures. 

Thought we were all taken care of and decided to not worry about keeping the line open. Then on XX/XX/XXXX at XXXX PDT, I get a phone call from my bank ( XXXX XXXX  ) saying the wire transfer had been returned " at my request ''. I had not communicated with Reverse Mortgage Funding LLC since XX/XX/XXXX and the " at my request '' wire return is absurd and never happened. Since when do mortgage companies return loan payments " at your request ''? 

When I returned to my reverse mortgage online account on Friday, XX/XX/XXXX after the bank 's phone call, there was no repayment transaction listed and no wire return transaction listed either. In other words it was like none of this happened though my bank records clearly indicate both transactions occurred. 

I sent email to bc@reversedepartment.com ( their customer service email ) on Friday, XX/XX/XXXX and received an auto reply they had received my email. In the email, I denied asking for any funds back and that I expected there would be resolution today, Monday, XX/XX/XXXX, by reinstating the payoff as of XX/XX/XXXX meaning no more interest or MIP after that date and that the refund due on that date should be processed immediately. 

The three times I had spoken to Reverse Mortgage Funding LLC customer service prior to the wire transfer, it took being on hold for over 60 minutes each time, and when finally connected, the reps were seemingly ignorant on how to make a wire transfer payment even though the directions did come with the payoff quote. Stating they have abysmal customer service, poor business practices, and make communicating difficult at best would be too kind.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
There are fraudulent inquiries on my credit report that I did not authorize.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There are fraudulent inquiries on my credit report that I did not authorize.

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 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a promotional 0 % interest rate on my Bank of America credit card until XX/XX/2019. At that point, I changed my payment options to pay the amount due as opposed to the minimum amount. However, for some reason this payment plan did not take effect, even though it still shows that the amount due payment option still reflects on the website. 
For that reason, I am requesting that Bank of America waive the {$95.00} of interest. 
Here is the list of amounts : {$24.00} XXXX {$21.00} XXXX {$19.00} XXXX {$14.00} XXXX {$9.00} XXXX {$4.00} XXXX {$95.00}

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Flagship Financial Group
State: IL

Complaint narrative:
There are fraudulent inquiries on my credit report that I did not authorize.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC System has infringe upon my right to privacy as a consumer. In they are in violation of the following sections of the Fair debt collection privacy act. 

1. 1692b ( 2 ) 2. 1692b ( 5 ) 3. 1692d ( 2 ) 4.1692c ( 1 )

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 2020-04-21 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: KY

Complaint narrative:
There is a false claim against me that has effected my credit score negatively. It is a credit card account. I have never knew anything about this account. Someone has committed fraud and needs to be held responsible. When I received a bill in the mail about an account I never knew existed I did some investigating. As of now on this account it says there is {$5500.00} due balance. How is that even possible when it says there is a {$2000.00} limit? It also says the account was closed on XX/XX/2019. And on XX/XX/2019 the account had a {$0.00} balance due. This makes no sense. All I can say is my credit score needs to be fixed and I never even knew about this account. Please see the attached images I have attached to support my claims.

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 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF HAWAII CORPORATION
State: CA

Complaint narrative:
I have been having my information being stolen by XXXX XXXX being hired by to be draining my accounts for economical damages with my privacy using Ai to steal my information and buy my checking accounts to make deals to overdraft with fees and to steal my information to organize crimes to throw me in jail to damage my reputation since 2015. I have had massive fraud and scheme being organized using Ai with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX for espionage and account information theft to steal trade secrets. Please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
There are fraudulent inquiries on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
There are fraudulent inquiries on my credit report that I did not authorize.

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 2020-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I called ACA ( American Credit Acceptance ) twice in XX/XX/2020, the month prior to the due date of my first payment, to inform ACA that I need some assistance due to the Stay-At-Home Order because of the coronavirus pandemic. ACA informed me that I am current and there is nothing ACA could do for me since I have not made my first payment. I informed that my XXXX payment will be late and I need a 2 to 3 months deferral. ACA denied me the deferral. I called again the first week of XX/XX/2020, to discuss my car payment. ACA refused to give me any assistance. I explained to the agent that I am being affected like everyone else in the USA, I am self-employed and all my clients have stopped paying me. ACA firmly denied any help. My due date came on XX/XX/XXXX, I was not able to make my first car payment. Then ACA started making collection calls as early as XX/XX/XXXX twice, on XX/XX/XXXX, on XX/XX/XXXX, on XX/XX/XXXX. Called ACA after I received a threatening letter to repossess my car and to accelerate my car loan after the agents promised me that ACA is not repossessing any vehicles. I spoke to a Supervisor and she agreed that the letter should have sent out and it was system generated. I informed her that this is a written statement that contradicts what she was telling me. I decided to file a compliant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Utah System of Higher Education
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: CO

Complaint narrative:
I checked my credit score on XX/XX/XXXX and noticed it dropped 55 points because something was in collections. The amount was for {$140.00} and the account was opened on XX/XX/XXXX. The company was First Credit Services. The original debt was from XXXX XXXX XXXX. I called First Credit Services and told them I never received a notice or a phone call. Then then asked for my phone number and address. The address they send my collections to was an address I moved out of in XXXX of XXXX. 
I canceled my gym  membership in XXXX of XXXX and paid first and last month of my membership. They charged me late fees and in XXXX charged me an annual renewal fee even though I canceled in XXXX. I was not aware anything was going to collections and XXXX never called me to inform me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, U.S. Department of Ed, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 


XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called XXXX XXXX XXXX on XX/XX/2020 and opened a payment protection claim on my loan since I was laid off from my job. They indicated they will file a claim for me and I won't need to make a payment. 

They lied and reported my account 30 days to all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called XXXX XXXX XXXX on XX/XX/2020 and opened a payment protection claim on my loan since I was laid off from my job. They indicated they will file a claim for me and I won't need to make a payment. 

They lied and reported my account 30 days to all 3 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 non-monetary relief
Consumer complaint received 2020-04-21 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2020 my barclay card was used at XXXX XXXX it used through XXXX XXXX  which I don't get how it happened since I live 1 hour and 45mins from the store it happened at and my phone was with me. The charges that were made that were fraud were for {$890.00} and {$790.00}. 

Barclay is indicating since it was used as XXXX XXXX that I should be responsible for these charges which is ridiculous since I was never there nor have I ever shopped there. Plus its almost 2 hours away from where I live.

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 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: RI

Complaint narrative:
On XX/XX/2020 I transferred {$500.00} from my external account to my cash app mobile checking account. CashApp is a subsidiary of Square Inc. For some reason still unknown, cash app lock my account. For some reason also still unknown my account remains locked. Despite several attempts to contact them, the following day and every three to four days since my account was locked I've received little to no support to resolve the situation and verify my identity which they said was necessary for me to regain access. On XX/XX/2020 again I attempted to contact Cash app for a status update on my case. Shortly after the same day I received a reply stating that my case had been closed due to non communication on my part. That was completely false, I have more than enough data to prove that was false. They have no dedicated phone lines to communicate with customer support, they only communicate via email. When reaching out to customer support they state that they will respond within 48 hours. That also was not done on their part. I also attempted to communicate with customer support via XXXX. After a lengthy discussion, they said nothing can be done until the investigation is complete. Since then they have avoided all my attempts to communicate with them. My funds of {$500.00} remain lock in the account. As you can imagine during these times under these circumstances, I am in dire need of that money and they have done very little, almost nothing to make those funds accessible to me. 

Also irrelevant to my case but I would like to state that several persons known to me have experience similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
XX/XX/XXXX, {$1100.00} was reported on my credit report as an unpaid medical bill by Commonwealth Financial. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My bank account was compromised due to fraud in 2017 and chase closed all my accounts and credit cards. It was not my fault at all and they permanently closed all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
3 inquiries on my account that I don't have any acknowledgment about. 

XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX- XX/XX/2020 I've called many times to have the removed and nothing is working.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
there are 2 inquires i've called about and mailed letters regarding. 


the 2 inquires are from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation