vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: TX

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX $ XXXX {$10000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$640.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$620.00} XXXX   XXXX {$3000.00} XXXX XXXX XXXX   XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COMMERCE BANK
State: KS

Complaint narrative:
On XX/XX/2020 I attempted to withdrawal {$600.00} from an ATM machine at Commerce Bank on XXXX XXXX XXXX XXXX XXXX XXXX. I misread the screen and drove off thinking the withdrawal was not being processed. Upon getting home, my wife told me the request was being processed. I drove back and there was not any money or receipt in the machine or around the parking lot. 

I called the number on my debit card, XXXX and filed a dispute along with sending my bank a message online. 

I received a letter from Commerce dated XX/XX/2020, attached, which gave me what I thought to be a " boiler plate '' response. 

On XX/XX/2020 I called the debit card number and was told the investigator was on vacation and would contact me the following week. I explained that I was out {$600.00} and wished to know exactly where it went. Was the bank actually short that day? If so, does the ATM not have a camera to show that the cash, and receipt, were taken? 

On XX/XX/2020, I again called the debit card number and was told the investigator had not been able to review the case and contact me but it was in progress. 

As of this date, XX/XX/2020, I have not heard from the debt card company. I feel I deserve a more definitive answer since the {$600.00} was withdrawn from my account. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I purchased a sound system for my vehicle ( XXXX XXXX XXXX ) on XX/XX/XXXX, with a company named Brandsource and it was a charge of {$1900.00}. I never received a credit card so I couldnt check my account and i wasnt received paper balances for some months. I called them multiple times and asked for them to ship me a new card because you cant access your online account unless you have a credit card available. After multiple attempts I gave up and assumed that I was almost done paying it off ( my monthly payment was $ XXXX/month and I paid $ XXXX/month ). I get a statement in XX/XX/XXXX and when I checked the balance it said that it was at {$1700.00} dollars left on that balance and that they charged me {$1000.00} interest in 1 month. I was furious so I called my legal service and had them send Brandsource a letter. This took place on XX/XX/XXXX. That is when they sent the letter out and I have yet to receive anything back from Brandsource and Neither has my Legal provider.

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 2020-08-17 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:
To avoid any unnecessary delay tactics from Experian, such as stating this complaint is not coming directly from me the consumer. I have attached my I.D below to prove this is a direct consumer complaint. If Experian believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. There are several inaccurate and unverifiable accounts Experian is reporting on my consumer report in violation of the FCRA. I have mailed several dispute letters directly to them. This includes a dispute letter from over 60 days ago and a demand to comply letter, both of which received NO response. Additionally, I have attached these two letters below which outline all the false negative accounts and relevant correspondence dates. All letters were sent using USPS certified mail giving me proof they were delivered on time. These false accounts currently reporting on my Experian credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable data must be deleted. I implore the CFPB to help hold Experian accountable and not let them delay solving the real issue here.

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 2020-08-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deferred my mortgage payments for the months of XXXX and XX/XX/2020 by calling chase bank customer service. I was approved because I needed to travel out of country. But now they are reporting it as negative for XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Ocwen Financial Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX, OCWEN LOAN SERVICING reported Account no. XXXX as " Over 120 Days Past due mortgage '' to all three credit bureaus ( XXXX, XXXX, and XXXX ). I filed bankruptcy and included Ocwen on XX/XX/XXXX. The bankruptcy was granted and discharged on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion bottomed our my credit score since XXXX for no reason making impossible to get a loan! That are crooked!

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 2020-08-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 6 inquires on my credit report that I did not approve. 

XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX 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 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I contacted Fifth Third Bank in XXXX to request additional payment assistance as a result of being impacted by Covid-19 and the economic shutdown. I was informed that I could get on a hardship payment plan that was to include reduced payments of {$31.00} per month and 6 months of 0 % APR and that there would be no negative credit reporting. 

I agreed to these terms and I was told that I was enrolled and the plan. I made my first {$31.00} payment on the same day. 

It now appears that even though I made my {$31.00} payment as agreed, I was never enrolled in any sort of hardship program, my minimum payments have not been adjusted, and this account is reporting to the credit bureaus as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This company " AssestCare LLC '' calls from phone number XXXX XXXX XXXX XXXX and says the call is being recorded without getting consent, Florida is a 2 party recording permission state. They do not identify themselves and ask your name and to verify your date of birth. When you ask who they are they hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 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: IL

Complaint narrative:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-17 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$4000.00} XXXXXXXX XXXX XXXX XXXX $ XXXX {$10000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX {$550.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX  XXXX {$4000.00}

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 2020-08-17 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$4000.00} XXXXXXXX XXXX XXXX XXXX $ XXXX {$10000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX {$550.00} XXXX XXXX XXXXXXXX {$620.00} XXXX  XXXX {$3000.00} XXXX XXXX XXXX XXXX {$4000.00}

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 2020-08-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On ( XX/XX/2020 ) I wrote to Experian and XXXX  about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.

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 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: On Q Financial
State: SC

Complaint narrative:
My home has been appraised by a bank appraiser that I did not get to chose, and my home is now valued at {$190000.00} while my current loan has {$150000.00} remaining. I called on XX/XX/2020 and the mortgage lender, ONQ Financial, told me I was splitting hairs and that they would not remove the mortgage insurance premium. I called back on XX/XX/2020 to discuss further as I have 20 % equity in my home and believe that is NOT splitting. I should be allowed to remove PMI from my loan. Now I am being told I will have to have another appraisal done by an appraiser of their choice. If they want to pay for the appraisal, that would be okay, however they want me to pay for a second independent appraisal. I feel I am being gouged by being forced to pay PMI that should have been removed when my loan reached 80 % of appraised value. That has been achieved and the PMI should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: IL

Complaint narrative:
On ( XX/XX/2020 ) I wrote to XXXX, TransUnion and XXXX  about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.

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 2020-08-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On ( XX/XX/2020 ) I wrote to XXXX and TransUnion about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.

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 2020-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: AL

Complaint narrative:
Money lion is a payday loan app. I've used them for a few months. 

Due to a software glitch, which they wouldn't admit to, they deducted money from my account before the promised date, in breach of contract. 

This caused my bank account, that I've had for 15 years, to overdraw for the first time. 

I took me all day to get a small resolution from them, but it wasn't the amount they basically stole from my account., I really don't think these people need to be allowed access to peoples bank accounts with software they KNOW has problems. 

They paid me a total of {$450.00}, and deducted {$450.00}, and still say I owe them {$300.00}. 

This occurred between XX/XX/XXXX and today. 

I've contacted my bank ; they won't process any more withdrawals from them. 

Still, I can't imagine how many other people were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I began receiving a {$3.00} charge on my Chase Visa Card back in XXXX. It referred to a website that does not exist. 

I began by using the online form to request investigation. After multiple months of {$3.00} charges, they finally credited me with {$3.00}, but continued to charge me. 

Since then I have filled out multiple forms online, called the Fraud Department miultiple tikmes and the Customer Service Department multiple times. I have dozens of public and privagte messages to them on XXXX. Each time, they refer me back to the same phone numbers where I must wait on hold for an hour and where someone promises to take care of the problem .... empty promises. Because they don't take regular email, I have no record of each contact. But I have 24 DMs through XXXX dating back to XX/XX/XXXX. 

Finally I spoke with someone a month ago, who said I needed to have a new credit card issues. Despite the annoyance of a new card number, I accepted. 

The {$3.00} charge now appears twice. 

I have spent close to 30 hours on hold or emailing or speaking with them. As the website listed is bogus, this should be easy for them to resolve. I suspect there aer thousands of others being charged for this and Chase makes money on each. 

I've had issues with credit cards as a consumer and as a merchant fro over 40 years. It has been rare for me to ever need to contact the company a second time. I have a history with Chase Visa going  back about 20 years. I pay my card in full each month ( including fraudulent charges ) and have a credit rating well over XXXX. 

This situation begs the question as to whether Chase is doing anything about Fraud. This is not one phone call slipping between the cracks. This many phone calls and emails on such a tiny charge that is clearly fraudulent indicates that the institution has chosen not to act and follow Federal Law. 

I do not understand how they can continue to mishandle this. This is pretty clearcut and does not require a major investigation. They can't even verify the source.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Good Evening XXXX or Southwest Credit Systems Rep ; How are you? Listen, I was actually shocked today when my loan officer pulled & reviewed my credit report and noticed that on my a {$260.00} XXXX Collection account that I wasn't aware of and never received any prior notification. After talking to several representatives today, they mentioned that it was from a last bill or equipment that I didn't turn in after the cancellation. I don't recall having any bill or issue with XXXX, however, I didn't want to waste any more time with this negative item on my credit and the Rep agreed that once the full payment of {$260.00} paid and cleared they will demand the credit bureau, XXXX, XXXX, and XXXX to DELETE or remove the trade line from my credit report. I've gone ahead and attached the receipt showing that it was paid as agreed and I would appreciate if it can be removed sooner because I'm under an agreement to close on this new house for my family here in XXXX MA. Thank you in advance and please reach out if anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My account is with Paypal. I was given money for my birthday from a friend from a foreign country, XXXX. Paypal put a hold on it from XX/XX/XXXX until XX/XX/XXXX. It was not explained why they were holding the money, and I had to find out from an external source that it was because they didn't have the money yet since it was coming from overseas. This was not the issue. The issue was that they put a high risk lock on my entire account. There is a mandatory three day hold on all transactions except on purchases from XXXX. I was told this restriction would be removed when the payment was approved XX/XX/XXXX. Paypal representatives told me that I could expedite the process by confirming the transaction. I did. Paypal lied and did not expedite the process. Now that XXXX XXXX has come and gone, they have removed the hold on my friend 's gift, but have not removed the lock. I contacted them when I tried to give my father money for food and gas. I screencapped the entire conversation. We made a very quick exchange. I gave them all the information they needed. They then told me that they would not remove the lock from the account. I have not been given an explanation for the lock. They have closed the case.

Company response to consumer: Closed with non-monetary relief