vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 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: TX

Complaint narrative:
ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ...

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions.

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 



The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...

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 2020-04-10 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: TX

Complaint narrative:
ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ... The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade  Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...

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 2020-04-10 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank Notified me by email immediately that my card was used in two fraudulent transactions. I immediately confirmed that they were not purchases made by me. I did not go to the those places of business and that two out of state {$.00} transactions occurred prior to those fraudulent transactions.

Subsequently, after letters and calls, TD Credit denies my claim and said " I was responsible for paying the money on both charges. '' Their appeals department denied my appeal without sending me any letter or notification.

After numerous calls, I was told a Supervisor would get back to me. I never received any return call from a Supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2020 at XXXX, I made a cas @ h deposit of {$600.00}, the ATM took and held the funds but they were never deposited to my account, received an error message stating that the ATM could not process cash deposits at the time, it printed a receipt instructing to call the on XX/XX/2020, bank to confirm the the deposit was made to my account, since according to their automated system the bank was closed Saturday XX/XX/2020 when I called right after the incident, and called back again in XX/XX/2020 but the bank was closed too, the bank stated the the funds were not deposited to my account, so submitted a claim, called the bank today to follow up with the claim and the banks has closed the claim starting that the technician did not find any funds in the ATM, and are not willing to reopen the claim or investigate further to solve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has denied me access to my credit report both online and via the phone, with proper identification. 

They also had access to personal materials, and a personal phone went off during my call. This is unacceptable and a violation to my personal data protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I received a call from National Credit Adjusters concern a debt with speedy cash. I'm not aware of any debt with the company, nor did the stated SSN belong to me. I'm requesting immediate removal from my credit report due to erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: TX

Complaint narrative:
ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ),  independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ... The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by  using an array of ...

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 2020-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
I have reached out to Freedom Mortgage multiple times to try and get an FHA mortgage forbearance due to the coronavirus pandemic and they keep denying the mandated guidelines for allowing borrowers to access the special forbearance. They keep saying all I can do is apply for a 3-month forbearance and at the end of the 3 months I would need to pay all 3 months plus the 4th month at that time ...? What sense does that make? Its nonsensical. I even read them the guidelines from this site back to them. Also, to shove it in our faces, even more, they have a XXXX post on their page with the video from the CFPB on the guidelines of the COVID forbearance.. I along with other customers leave comments but they delete them as soon as we put them up ... Shameful..

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 2020-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: IL

Complaint narrative:
Capital Accounts XXXX XXXX XXXX Account number # XXXX. I have never had an account with this company. It is fraudulent. It is not mine. I am a victim of identity theft and someone used my information. I have filed a report with The Federal trade and a police report. They call me constantly and I told them it is not mine it is fraud and needs to be removed from my social security and my credit file. The amount is {$570.00}. It was opened XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
Its about {$800.00} that i apply for dispute for not received purchase order. About 16 transaction. 
My bank denied my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 I requested balance transfers for two other accounts I was planning to pay off using a balance transfer. The XX/XX/2020 payment did not arrive at the financial institution until XX/XX/2020 and the other payment has still not arrived ( as of XX/XX/2020 ). As a result of the slow process I was concerned about being charged late fees on both accounts so I paid the minimum payment but as a result of the late balance transfer I ended up being charged interest on those accounts. 

On XX/XX/2020 I called PnC who told me it could take as long as 23 days to process a balance transfer. I have done many other transfers before and never had it take 23 days. I would not have used this service had I known it would take 23 days since that is a headache. Given COVID19 I also worry that my payment was delayed processing since they are likely short staffed at all the institutions. I called PNC asking for them to waive the fee on the BT and they told me they could not do that and I should expect the payment to take as long as 23 days. 

In my opinion, this is poor service given the circumstances. I would like both of my balance transfer fees to be removed since I've had to call both of the other institutions and used my " one time fee waiver '' as a result of PNC 's slow process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Last XXXX I filed a claim against XXXX XXXX  for doing a hard inquiry instead of a soft and giving me credit that I didn't ask for. This involved a dishonest Plumbing and Heating Service that tried to con me into replacing my entire HVAC system, over $ 14K, promoting a 0 % interest rate. Turns out, there was nothing wrong with my HVAC. Meanwhile, with your help I was able to get XXXX XXXX  to agree to fix this. To that end they sent me a letter claiming they had corrected this with all the national credit reporting burueaus. Meanwhile, since then, every time I have checked with Experian, my main credit bureu, they still have my credit dinged with the " hard inquiry '' from XXXX XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company I had re-reported to CFPB as I recall, some months ago, but nothing came of it. I assumed there was a delay and gave XXXX XXXX  and Experian the benefit of the doubt. But now, over 6 months later it is still not fixed. My attempts to contact Experian directly have been to no avail. I have even shared the letter from XXXX XXXX  ( included as an attachment ) to no avail.

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 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I tried using the card at the end of XXXX, would not let me make a purchase. I tried getting money out of an ATM, it wouldnt work. I spent two hours on the phone to be told my account was permanently suspended because I had broke title 15d of their contract. I asked what that was, she told me I would have to write them a request for the answer. I couldnt use the Amex Serve app. I was locked out. My phone was telling me I still had XXXX, this was an email I received daily and then it showed 0 two days later. I waited ten days for a refund check, nothing. Two days ago I received an email saying I had XXXX, so I tried to get on the app, it finally let me on, I looked at my transactions and it said withdrawal by check on XX/XX/XXXX, and then check reversal on XX/XX/XXXX for {$380.00}. This happened while I couldnt get on the app. Unfortunately my paycheck was to go to another card, and I found that it ended up on Amex Serve card that I cant use. I have photos of the transactions on my phone, and video of the the check reversal, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: TX

Complaint narrative:
ftc violatons FTC Action : XXXX  XXXX XXXX to Pay {$85000.00} Civil Penalty Allegedly Violated Order that Barred Deceptive Advertising of Vehicle Costs The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

Section 604 ( a ) ( 4-5 ) : Child support purposes The settlement requires XXXX and XXXX to pay {$130.00} million to the FTC and {$34.00} million to New  York  for allegedly violating the ...

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 2020-04-10 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: NC

Complaint narrative:
I have disputed this item on several occasion. I contacted the creditor and also received information that is not correct. I sent what I received from the creditor along with a dispute and this item was not removed from my credit report which violates the credit reporting act. As stated if the information is not correct it should be delegated from my credit report. This has caused hard ache with me trying to purchase a home. Experian states they have verified but never provides source of verification or validation as requested in which also violated my rights.

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 2020-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
Step 1  : What is this complaint about? 

My credit report is showing that I have debt collection for the amount of {$230.00}, from my former XXXX   provider for service on XX/XX/2017, which is incorrect. 

Step 2 : What type of problem are you having? 

My former XXXX  provider, XXXX, is trying to charge me for a service that has already been paid by my XXXX  insurance carrier. Never was I a cash-paying customer. At the time of service, no one asked me for payment nor did anyone tell me that I had a balance of {$230.00}. My insurance information was already on file in their system. 

Step 3 : What happened? 

My former XXXX  provider reported me to a collection agency for a routine office that was covered by my XXXX  insurance carrier. I paid the co-pay in cash and never was I asked to pay for anything else. 

Step 4 : What company is this complaint about? 
XXXX  who has reported me to the debt collection agency, Capital Accounts. 

Step 5 : Who are the people involved? 
Myself, XXXX and the debt collection agency, Capital Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: OK

Complaint narrative:
Sequim Asset Solutions talked to multiple people over the last few weeks told them they had the wrong number and to stop calling multiple times of the day. I was told my number would be removed with in 24 hours and I still continue to get calls. The calls consist of answering the call and silence, then the call  hangs up. If you call back you get a rude person you can barely understand trying to collect money on a debt owed by someone other than myself. Then they ask for your name address and date of birth. I then promptly asked to be removed that I was not giving that information to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I submitted a dispute to Equifax over a collection item on my account on XX/XX/XXXX. It is now XX/XX/XXXX and the dispute is still showing as PENDING on my account. I called Equifax and they could not help me and did not offer to put me in touch with someone who could help me. I can not re-submit the dispute nor has it been removed or validated. So this invalid collection is stuck on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo and the Payroll Protection Program. When contacting the bank on Monday morning, I was told the funds had already been depleted. Apparently the bank was opened on " Sunday '' and the window was closed within hours. What bank does its business on a Sunday. This bank should have been dissolved as their practices are still questionable at best. If my business should survive this government mandated XXXX  process, I will be switching financial institutions.

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 2020-04-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I lived at XXXX at XXXX XXXX in XXXX, XXXX  from XXXX. Once I moved out in XXXX, I received a notice that I owed {$44.00} for damage to the apartment and I would not be getting any portion of my deposit back due to {$75.00} worth of damage. I called XXXX XXXX with XXXX ( the management company ) and advised there was no damage in that apartment while I was living there and I asked if he had photos. I have an email from XXXX XXXX on XX/XX/XXXX with a photo of a portion of the blinds with a timestamp of XX/XX/XXXX. 2 years before I moved into the apartment!!! I have talked to their debt collection company, Transworld Systems 4 different times to dispute this debt but they keep saying the debt has been validated. The only validation is a letter I received with a copy of my lease. The lease proves my point that I did not move into that apartment until XXXX, yet the photo I was sent was from XXXX. Apparently a second validation was mailed out on XXXX but I already received a call today ( XX/XX/XXXX ) trying to collect the money from me! I haven't even received a letter yet. This is wrong and the collection account needs to be closed immediately.

Company response to consumer: Closed with explanation