vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 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: FL

Complaint narrative:
I recently went over my credit report and I was shocked to see that there is an inaccurate inquiry being reported on my credit file. This derogatory inquiry is not mine and I have no knowledge of this inquiry. I have no knowledge of how someone would have access to my credit report and because of this, I have no chance of acquiring any new credit. Please conduct re-investigation into this problem and have this derogatory inquiry removed off my credit file

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 2020-04-15 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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$18.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX   XXXX {$780.00} XXXX XXXX XXXX {$590.00} XXXX XXXX {$840.00}

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 2020-04-15 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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2000.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX   XXXX {$780.00} XXXX XXXX XXXX {$590.00} XXXX XXXX {$840.00}

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Called XXXX at XXXX XXXX XXXX and was told to mail my proof to : CAPITAL ONE XXXX. XXXX  XXXX XXXX  XXXX XXXX, UTAH XXXX Re : Rewards Dispute Which I did around XX/XX/20 LETTER I SENT THEM WITH SCREENSHOT OF PROMOTION : APPEALING DISPUTE - NEED REWARD ADJUSTED XX/XX/2020 THIS ( in the screenshot on the page Im providing ) is the ONLY card I applied for and the only offer I want. 
I always take a screenshot in the event something like this might happen. If we can not resolve this, I will be seeking help from the Consumer Protection Bureau.

Please adjust my one time cash reward accordingly, to be {$500.00}, not {$300.00} as they credited me. 

Thank you, XXXX XXXX XXXX XXXX XXXX ( Cell ) Before that I CALLED CAP ONE ON XX/XX/XXXX @ AROUND XXXX XXXX CST. Spoke to EID # XXXX XXXX. She said she escalated this to her supervisor and it should be adjusted by XX/XX/XXXX. Nothing happened. 

Called again and spent 1:47 hours and minutes with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Cell, XXXX XXXX Home phone XXXX United States Congressman , Mr. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : VA Loans and Refinancing To the Honorable , Mr. XXXX XXXX During this global pandemic the fact that your congressional office actively reaching out to our community at this time is very reassuring. 

Early XX/XX/2020, I applied for a VA refinancing loan from Union Bank. At the onset of the application I was advised not to include the income that I received for hosting an exchange student at my home. 

My VA refinance application ( Union Bank Loan Number XXXX ) has been pending over 90 days without resolution. I have paid my own appraisal fee and pest inspection fee prior to the latest closing disclosure dated XX/XX/2020. 
My cash out has been reduced from {$80000.00} to {$19000.00} with the same monthly payment. Most of the XXXX Veterans ( like myself ) own one home and has lived in XXXX County for a long time ( 39 years ) and subsist on their VA XXXX as their primary income. I ( enjoy ) hosting international students as supplementary income for the unexpected expenses and I have been hosting for 10 years. 

I applied for my loan before the pandemic and I am grateful that financial institutions are in place, making loans and providing general banking needs, however, I do not want people losing their homes to fancy math. I have lived through the US predatory loans era and the market recession of XXXX. 

Every eligible veteran applying for a VA loan should be entitled to the lowest interest rate loans on the market. Ive owned my home for 15 years, never late on my mortgage-yet the loan process has taken more than 90 days to get the loan to the disclosure stage. 

I am praying for the ( VA ) loan process to be streamlined and fairly dispersed, so that individuals like myself can prepare for our families within this pandemic. 


Sincerely XXXX XXXX My questions Is it true, that as the interest rate has been lowered, Union Bank charges a higher interest rate for refinancing VA loans? 
Ive paid for my VA appraisal {$600.00}, pest inspection {$150.00} and re-inspection {$99.00} as I have filed this complaint can they cancel my loan? What protections from retaliation does a borrower have? 
Every time a closing disclosure is issued does that cost the borrower 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 non-monetary relief
Consumer complaint received 2020-04-15 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: HI

Complaint narrative:
This is the information that I sent to XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX My credit report shows that I have an account with late payments. I do not believe this is accurate, because my own accounting shows that I was not late on the following dates XX/XX/XXXX, {$200.00} was paid on XX/XX/XXXX. XX/XX/XXXX was paid on XX/XX/XXXX in the amount of {$200.00} and XX/XX/XXXX was paid on XX/XX/XXXX in the amount of {$200.00}. 

XXXX XXXX replyed on XX/XX/XXXX that they received my correspondence to consider adjusting the payment history. And their reply was : We are contractually obligated to report your payment history as it actually occurred. Our review shows we reported your history accurately, therefore, we can not change your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: TX

Complaint narrative:
I have a vehicle loan with CarMax Auto Finance. According to the statements I've received in the mail, it appears my last 2 payments have not been applied to my account. I would imagine protocol is the either apply the payments to my account OR return them. They have not been returned. I have attached screenshots as well as pictures of the receipts of the payments issued to CarMax. One screenshot is for a {$1200.00} payment I made via my mobile  banking app back on XX/XX/2020 - which was delivered to CarMax on XX/XX/2020. I've also attached a picture of the USPS money order receipts for the money order payments I mailed to the address listed on their website for mailed payments on XX/XX/2020 ( CarMax Auto Finance, XXXX. XXXX XXXX, XXXX XXXX, IL, XXXX ). One is for {$1000.00} and the other is for {$400.00}. Again, it appears the online banking payment nor the mailed payments were applied to my account, and neither have been returned to me. CarMax has continuously harassed me with phone calls, where their agents allege they can not find the online banking payment I made, even after I provided them the transaction ID my bank gave me. They told me to communicate with my bank to trace the payment, and of course tell me every other word that " the vehicle can be picked up at any time. '' I already confirmed with my bank that the transaction ID is all CarMax needs to trace the payment, but again, their agents still claim to be unable to find the payment. The last agent I spoke with said she would try to track down the payment and I needed to call back in a few days. During this entire time, my mobile app and online account access have been suspended so I can no longer make payments with those methods ( like I normally do ). This makes it that much harder to see what I actually owe / owed and when. I do not trust what their telephone agents have told me, and any company that suspends online account access is clearly trying to cover something up. I believe they're intentionally " misplacing '' payments so as to continue to report negative information to the credit bureaus and tack on extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: OH

Complaint narrative:
I was looking into buying a car today and pulled my credit and found that someone was using my SS XXXX and DOB XXXX to open up credit cards and accounts! The following accounts are not mine : 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, XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX # XXXX, I have never had accounts with any of these companies. I am filing a complaint with FTC and CFPB. I WILL BE FILING A REPORT WITH FTC AS WELL. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement ma-terials which verify that the accounts were established legally. I do not want just a cursory ac-count history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summar-ies transmitted by the companies mentioned above must be considered false and may be-speak a statutory violation. In this case, they must be deleted  without delay.

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My stimulus check for {$3400.00} was deposited in my bluebird American Express account on XX/XX/2020. I was able to withdraw XXXX of it that day but when trying to purchase things shortly after my card was declined and now my account is locked and have been trying for days to reach them. Spending hours on hold Not only can I not get access to my stimulus check but check is direct deposited to and now I have no available funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I purchased an American Express Serve card. I never received the permanent card because I moved two days later. I have tried numerous times to call them, but NOBODY EVER ANSWERS. I just want my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 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:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$3200.00}

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 2020-04-15 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:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$3200.00}

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 2020-04-15 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 found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward, I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts opened that I am not familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$540.00} XXXX XXXX {$450.00} XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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:
INFORMATION ON MY REPORT WAS NOT VERIFIED ACCURATE I CONTACTED THE COURT AND THEY STATED THEY DO NOT REPORT TO ANY CREDIT BUREAUS the claim that USBK COURT EASTERN MICHI and or public records verified the account they are reporting is accurate.

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 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was charged a XXXX dollar NSF fee in my checking account. Basically, what happened was I thought I only opened one bank account but it turns out that I had opened three bank accounts. This is fine but since I did not know this, I gave the incorrect bank account information for my " growth account '' to my credit card company. PNC then denied them the funds even though they were in the account. I used the bank account information from when I first opened the account as I wrote that down. They should have given me all three bank account numbers when I first opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, Chase bank sent me a notice that they were closing all of my accounts. No reason was provided. I contacted the local branch and was told I needed to contact Chase at a 1-800 number provided to obtain a reason for the closure. I contacted that number and XX/XX/XXXX and XXXX and spent many hours on hold before being told that the accounts were being closed and no reason could be provided. They also said that the accounts would be closed on XX/XX/XXXX regardless of stay at home orders or my ability to access other banks. I escalated the issue to their executive office. After 13 days ( on XX/XX/XXXX ) they responded back that they would give no reason for the closure of the accounts, but would extend the closure date by 30 days. I specifically asked if they could give a reason for the closures that was not based upon discriminatory intent and they said that they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: Risecredit, LLC
State: CA

Complaint narrative:
Please CFPB can you send the following documents to Rise Credit. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
Marcus by Goldman Sachs has refused to payout my {$100.00} savings bonus for maintaining $ XXXX for 60 days. They allege that I was deemed ineligible for the bonus as I had apparently made an ACH withdrawal the same day I enrolled for the promotion. I totally forgot about this, certainly an honest mistake. However, XXXX should have performed due diligence and informed me ASAP that I was no longer eligible as I am effectively tying up $ XXXX for 60 days under the FALSE impression that I was still eligible. This is misleading and deceptive practices and completely unprofessional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
The below complaint was submitted to CFPB on XX/XX/XXXX, a reply was provided today on XX/XX/XXXX, unable to view the response from Wells Fargo as the file will not view or download on my end ... .The same issue occurred to a prior complaint, reply unable to view or download.. The complaint is regarding a fraud check cashed in my name, funds not received, the amount of which is {$5100.00}. An affidavit was sent in to fraud as well as copy of check, XXXX in fraud investigations reached out wanting to know details of check such as why it was issued and amount. I requested XXXX XXXX, rep I am working with in mediation, reach out to XXXX which he did and have not received any offer info to date.. XXXX 's last email reply stated investigation was sent back to fraud as of yesterday, XX/XX/XXXX, no other info. I do not know what is going on, however, I did not receive funds from check and needs to be reissued.

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 2020-04-15 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: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I cancelled my account with XXXX XXXX XXXX for our mobile phones. I had switched over to XXXX. My bill had auto paid to XXXX XXXX XXXX for 1 month in advance on XX/XX/XXXX XXXX XXXX XXXX when i called and cancelled on XX/XX/XXXX said they would refund all of my money. 
I told XXXX XXXX XXXX that I had used 8 days of service and not to refund all of the month I had paid in advance only the what I had not used. They said they always refund the entire bill. 
This went on for 3 months. I would call every month. Then I received a bill for {$190.00} and I called again. XXXX XXXX XXXX said I only owed {$48.00} for the 8 days I had used their services and they did not show a bill for {$190.00} This was on a recorded line by XXXX XXXX XXXX and I said you are sure you do not show {$190.00} you only show I owe {$48.00} and they said yes. I agree and Paid the {$48.00} Then the next month I received a collection notice from Sequim Asset Solutions for {$130.00} the balance of the {$190.00} that XXXX XXXX XXXX said I did not owe. I called Sequim and explained the whole situation to them and they would not listen. I do not owe this bill. I then contacted XXXX XXXX XXXX XXXX XXXX and XXXX took this off of my credit report. XXXX  did not and said that Sequim said I owed the bill. Which I DO NOT OWE. Now a different collection company is calling me XXXX XXXX XXXX  Now Sequim does not even have this account anymore and is still reporting on my credit report. Of which again, I had paid this bill in full to XXXX XXXX XXXX. Please help me to get this off of the XXXX credit report I have also tried to contact XXXX   again and I can not get through to them via phone. I have mailed another letter to them. My credit was perfect until this was reported and should not be reported. I w paid my bill in full. I DO NOT OWE XXXX or XXXX anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation