vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I was reviewing my credit card activities and noticed that I was being charged two different amounts for finance charges. I called the company to see why I am was being charged two different fees. I would not have noticed if I did not go into my account and look at my activities on my account. My statement shows one amount and I would never knew about this if I did not log into my account.

Is it legal for the company to charge two different finance charges on one credit card? 

I would like an audit of my account and this dispute resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX I entered into a purchase agreement with a private party for the purchase of a XXXX XXXX XXXX. I started the loan process with Alliant XXXX Credit Union on XX/XX/XXXX. At their request, I provided all required items. Alliant  kept sending separate requests for items instead of one request with all items needed to close the loan. The communication between XXXX XXXX and myself was horrible. Many times I reached and did not hear back, left multiple messages and even spoke to his manager XXXX. None of these avenues provided any successful results. After multiple unsuccessful attempts, after providing everything they asked for, I reached out to customer service and asked to work with someone else. At that point, I began working with XXXX XXXX on approximately XX/XX/XXXX. XXXX asked me for additional information including another payoff statement and additional paystubs. Again, I provided all items needed including an updated buyer/seller document ( already previously completed ) and waited. I waited a few days and nothing. It is now XX/XX/XXXX, well over a month since I began this process and today, Alliant CU advises me that can only cover 90 % of the car. The value of the car is XXXX but they have stated those can decide to use the value or the purchase price and theyve opted to use the purchase price with no explanation and have asked me to come in with XXXX down. I feel discriminated, I feel like my time has been wasted, I feel they misrepresented their process and at the 11th hour changed the terms on me to a less favorable option in an effort to deny my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: NC

Complaint narrative:
XX/XX/XXXX XXXX has been on my account since XX/XX/XXXX with false amounts of {$2400.00}, {$2700.00}, {$1300.00}. Us Dept of Education been on my account since XX/XX/XXXX with false amount 's of {$1300.00} on my report two times Direct loan svc system has been on my report since XXXX/XXXX/XXXX false amounts of {$7000.00} i never in my life made any payments on these loans, they were supposed to remove off my report and have not removed .They have multiple accounts on my report and have not removed any accounts have ignored my request, i want the accounts removed immediately

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 2020-08-11 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: AR

Complaint narrative:
My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX {$3500.00} XXXX XXXX {$1100.00} XXXX   XXXX {$3300.00} XXXX  XXXX {$6900.00} XXXX   XXXX {$8500.00} XXXX  XXXX XXXX {$210.00} XXXX   XXXX {$390.00} XXXX XXXX {$1100.00} XXXX XXXX {$5000.00} XXXX XXXX {$820.00} XXXX  XXXX {$1300.00} XXXX & XXXX XXXX {$190.00} XXXX  XXXX {$320.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: MO

Complaint narrative:
I had a total roof loss and submitted the insurance payment to Aim loans, they sent payment to me for a portion of the insurance check. They kept $ XXXXof the funds to refund on completion. I called on XX/XX/2020 to have an inspection done because the roof was completed. So the funds would be released back to me to pay my contractor. The inspector rescheduled for Monday XX/XX/XXXX and did not show up. On XX/XX/2020 I called XXXX XXXX XXXX that schedules the inspections for Aim Loans, XXXX referred me to another inspection company named Big Red XXXX, she gave me a number to call for an inspection his name was XXXX XXXX, he said XXXX XXXX was a distraction and he did not get enough inspections to full with and he told me that I needed to call them back for another inspector. I called Aim Loan 's and waited on hold because a supervisor was not available, I left a message for XXXX which her voicemail said she would return the call within 24-48 hours. My contractor has advised me that he would put a mechanics lien on my home if payment was not paid in full. Please help me with this situation, Aim loans is a horrible mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2017 ; I applied for a job through the job search engine XXXX  for a position as an administrative assistant w. a humanitarian company called " XXXX XXXX XXXX XXXX XXXX. I was reached via email from an HR worker called Mr. XXXX XXXX and his title was Chief Marketing Officer. He offered me the job and stated that he will be sending me two separate checks via XXXX of the amount of {$980.00}. We only communicated through email and texting, but I never heard his voice. He also provided me a website at XXXX.I trusted this company because they utilized the company a well-known job search engine, so I thought it was okay until I received the two checks and urged me to deposit them into my account as soon as possible but never asked me for money and when I tried to reach Mr. XXXX he didn't reply after bringing to his attention that both checks for fraudulent checks. Therefore, my accounts at Bank of America was closed and I tried to write a letter and provide proof to Bank of America in Missouri but was denied and was reported to XXXX  and XXXX XXXX, that I know. And haven't been able to open a bank account whats so over which is not right, I didn't do anything wrong just trusted the wrong job search engine.

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX and XXXX XXXX my bill of XXXX dollars did not go through when it was on auto pay. I reached out the company and they acknowledge that they saw the payment try to come out of the bank but was rejected. They did not notify me about this rejection and just gave me a late payment. Now Im trying to get a Mortgage and because of this mark on my CREDIT REPORT its making it hard for me to provide a home for my family, it unfair that the company is not trying to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX they refused to remove these accounts because the are old and they been on my report since XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Feldman & Stern, LLC
State: FL

Complaint narrative:
I am being told that I owe a debt of slightly over {$200.00} for services not rendered by XXXX XXXX. When I call the owner of the local company ( XXXX ) he was unable to give me any records of me owing debt and did not have the paperwork of me closing the account, as he did not get them from the previous owner. I signed up for a 1 year membership and on the 11th month I notified them I would not be renewing. This was with an old owner that apparently did not keep records. I noticed that I was still being charged in XXXX of 2020, contacted them that this was incorrect and they ( XXXX XXXX ) told me to issue a chargeback through my bank, which I did. There is a new owner of XXXX XXXX and I called him to see why I was in collections, he said it was out of his hands and there was nothing he could do about it? But he also had no paperwork for me at all? So I called the collections company - Feldman and Stern and told them I would not be discussing any debt until I received a Validation Notice which they said they did not need to do and I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: CarMax, Inc.
State: NJ

Complaint narrative:
I received a car loan from Carmax XXXX XXXX and they have inaccurately reported many late payments on my account, as well as reporting other dates and payments wrong. My XXXX report has a different closing month of the account along with an extra month of payment reported. My XXXX report has a different late of last payment then the other reports. Even though the date of the last payment was reported on XX/XX/2017, they still reported account 30 days late for that month. XXXX reports a different date for last payment, but there isn't even a payment made for that month, the last month shows XXXX of XX/XX/XXXX. Most importantly I have obtained a full payment history from the Carmax website and it Cleary shows how I made payments every month they are reporting me late. Even the date of my last payment from their website is different than the report on my payment history. 

The problem is most of what this company is reporting is false, and even the information they keep on my account is different in different places. After speaking with them and trying to understand the payment history and how it could be reported late they couldn't provide me with any information and just said " This is what we have on our file ''. My records, which I obtained from their own website, is different then the information they have. Doesn't even seem possible. And They are reporting false and different information to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: TX

Complaint narrative:
Experian is reporting a late pay on my XXXX  XXXX XXXX credit that over 7 years old and will not remove it from my history. This occurred in XXXX of XX/XX/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 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: OK

Complaint narrative:
Ok I gave a old phone to a friend and he didnt know how to reset it after I had already reset it for him I moved and then I geuss he restored it well he went to a different person to delete my account off of it but while doing that she wired herself like XXXX dollars I confronted her told her Im calling the police I did and I sent them screen shots all of this and they basically told me Im beat now it was their faulty app that allowed them to send a reset password deal to my email which they also had access to cause Once again had my old phone and their app would not Let me setup the facial recognition at that point so hen I ant them the screen shots and every thing and they got rude basically accused me of stealing my own money me a single mom that dont do anything illegal steal my own fine money I was crying and they said sorry cant do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
My friend XXXX sent me {$400.00} through CashApp on XX/XX/20. He was supposed to send me the money through XXXX by he thought I had CashApp Account. I don't recall when I opened my cashapp account but I downloaded the app again and the money was there. I tried to transfer the money to my XXXX XXXX Account but there was an error and I couldn't do that. I lost my phone a couple of weeks ago and I had to download the app again. Since then I have been trying to access my account and it doesn't allow me to. I contacted CashApp through emails and they requested me my personal information to allow me to access my account. I have informed my address, email, phone number and debit card numbers ( I had to go to the bank to get all the debit cards I had to see if the info would match ). But they keep telling that information is invalid and NOTHING can be done. I asked if they need my documents to prove that's me or maybe send the money back to my friend XXXX but they said NO. Please help me to get this money back. I really need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. USDEPED XXXX {$40000.00} XXXX XXXX {$65000.00} XXXX XXXX {$3500.00} XXXX XXXX {$700.00} XXXX   XXXX {$5000.00} XXXX   XXXX {$5500.00} XXXX XXXX {$790.00} XXXX XXXX {$390.00} XXXX XXXX XXXX   XXXX {$4000.00} XXXX XXXX XXXX {$5200.00} DEPTEDXXXX   XXXX {$1300.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$3500.00} XXXX XXXX {$1100.00} XXXX XXXX {$3300.00} XXXX XXXX {$6900.00} XXXX   XXXX {$8500.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$390.00} XXXX XXXX {$1100.00} XXXX XXXX {$5000.00} XXXX XXXX {$820.00} XXXX XXXX {$1300.00} XXXX & XXXX XXXX {$190.00} CXXXX  XXXX {$320.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$610.00}

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 explanation
Consumer complaint received 2020-08-11 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: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$3500.00} XXXX XXXX {$1100.00} XXXX XXXX {$3300.00} XXXX XXXX {$6900.00} XXXX   XXXX {$8500.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$390.00} XXXX  XXXX {$1100.00} XXXX XXXX {$5000.00} XXXX XXXX {$820.00} XXXX XXXX {$1300.00} XXXX & XXXX XXXX {$190.00} XXXX XXXX {$320.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$610.00}

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 explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
ON XX/XX/XXXX I received a letter from CHASE Auto Finance stating that my payment of {$190.00} was returned unpaid. Attached there was a coupon to resubmit payment. I called as soon as I received it to make another payment over the phone ( like the one before and got a confirmation number for the 2nd time ) It was automated and could not speak to a person. On XX/XX/XXXX. I received a letter that said my recent payment of {$190.00} was returned so I called again..still no person to talk to only automated.. Once again I had gotten a confirmation number. On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX in XXXX Va. ( on XXXX XXXX ) and Secured a loan to refinance the XXXX from the CHASE auto finance. I had gotten the pay off from " XXXX '' from Chase and gave that to XXXX. XXXX sent a overnight check to the address that XXXX and given them. It was the wrong address. She lives in XXXX AZ. She said the address was XXXX TEXAS! the check did not get to the correct destination and afterward I received a letter on XX/XX/XXXX with the same context and on XX/XX/XXXX one that stated I had fallen behind and to let them know how I would like them to handle the debt. I had already refinanced and had a loan with XXXX XXXX XXXX so I thought it had crossed in the mail. I tried calling XXXX at CHASE but she wouldn't help when I called XXXX they got on the phone immediately and started straightening things out. They over knighted another check this time to the correct address in TEXAS It was applied and my loan was paid off by the XXXX of XXXX. On my credit report it showed that I had 2 loans for the same car and that the one with CHASE was in Maximum delinquency of 30 days in XX/XX/XXXX. My Credit score had dropped from around 823 down 100 points! I was no longer in excellent status! THIS WAS NOT MY FAULT AS I DID EVERYTHING TO KEEP UP MY STANDING EVEN TO REFINANCE WHEN CHASE COULDNT RECEIVE MY PAYMENT. XXXX FROM CHASE GAVE XXXX A WRONG ADDRESS ON TOP OF EVERYTHING ELSE. Had she given them the correct address I would not need to be writing about what is showing up on my credit report and my score dropping. I have worked very hard all my life to keep my good name and good credit! It's says on my report that it wont come off until XXXX!

Company response to consumer: Closed with explanation