vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-14 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CO

Complaint narrative:
Google Pay sent money to someone else 's bank account, when it should have gone to mine via a payment from a friend. The bank proved it went to the wrong location. Google admitted they made a mistake and let my account get hacked. Plus when trying to fix it, they sent a charge for the same amount to another google service ( Google Fi ) which ended up having me pay double for phone service for that month.

After 45 hours spent with support, including several initial employees admitted Google made a mistake, it would always get escalated to a manager. The manager would only check the google records which looked like everything was fine. But multiple bank records showed they made the mistake and haven't fixed it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
For many time I will compliment about this account I NOt my account

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 2020-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Collections Acquisition Company, Inc.
State: FL

Complaint narrative:
I've got text and emails various be loand places I didn't sign up for. Some say XXXX  denied and etc idenity stolen

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is my company 's bank card, is used to save money and use it, not a credit card. When I applied for this card, I didn't have any notice that I could overdraft. just told me how much I could spend. One day I only had XXXX  in my card. On the same day, I paid {$17.00}, {$19.00}, and {$32.00}. Then these three deductions were all pending. The last overdraft was {$1.00}, and I found out the next day. After deducting the investment fee of XXXX  dollars, three orders are still pending. At this time, a total of XXXX   overdrafts. On the third day, another order was deducted from the processing status, and I was charged another XXXX dollars. I do nt think I should swipe my card without money. Succeeded, I was debited because of an overdraft, why do I need to charge me again for other pending orders, and this was not used when I swiped the card. If I swiped the card 10 times a day, The last overdraft, whether the account is in overdraft state, is it necessary to charge XXXX times for 11 times I think it is very unreasonable, and my English is not good, I can't solve it for a long time to find a translator, too disappointed.

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 2020-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: OR

Complaint narrative:
I owe XXXX  a debt. So now I owe first source collections. First source called me in XX/XX/2019 to set up a payment plan. I agreed to {$50.00} a month. They took {$50.00} for every month XXXX, XXXX and XXXX then they went ahead and took {$3800.00} on XX/XX/XXXX. It was all of the money I had. It left my account in the negative. I would never agreed to paying that big of amount. Not knowing what the future might bring. With XXXX children. I want my money returned. I have had to write them a email with bank statements and now I have to wait sick to my stomach hoping they return it. This isnt right..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
XXXX  XXXX  forclousing on my home without me being aware they were selling the home. Home bought in XX/XX/2016.. XXXX XXXX has lien but sold account to XXXX and I was not aware. Account sold several time and companies asking me to pay from the beginning. For several years I was not aware who had my small loan for $ XXXX, balloon loan. I am current with big loan.. not behind.. But XXXX  has foreclosure date of XX/XX/XXXX and I just learned about it I have been paying SLS. ( Specialized Loan Servicing ) on large loan and just now they also have the small loan.

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 2020-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I owe paypal a debt. So now I owe XXXX XXXX XXXXXXXX XXXX XXXX called me in XX/XX/2019 to set up a payment plan. I agreed to {$50.00} a month. They took {$50.00} for every month XXXX, XXXX and XXXX then they went ahead and took {$3800.00} on XX/XX/XXXX. It was all of the money I had. It left my account in the negative. I would never agreed to paying that big of amount. Not knowing what the future might bring. With XXXX children. I want my money returned. I have had to write them a email with bank statements and now I have to wait sick to my stomach hoping they return it. This isnt right..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I just recieved a currant credit report dated XX/XX/20 I noticed on page10 of 12 that the last 4 of my social security number is wrong and doesnt belong to me. the last 4 that they have on this report are XXXX my last 4 are XXXX. The next item that is wrong isthe phone number I have never had the phone number XXXX as a residential number. I also noticed under notices it says " This address has pertained to a buisness : XXXX XXXX XXXX XXXX, Wv XXXX '' This probably is a buisness address but it isn't my address. My address is XXXX XXXX XXXX XXXX, Wv XXXX. So my address is XXXX XXXX not XXXX XXXX. 
There are 3 whole pages of people that have checked my credit or whoever the last four numbers XXXX of thier social and I dont remember authorizing all of these individuals the right to check my credit for all the resons stated, if at all possible I would like these removed since I did not authorize all of these buisnesses to check my credit or whoever the XXXX belongs to, maybe it was thier credit getting checked that much.

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 2020-03-14 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: OR

Complaint narrative:
Issue 1 : I tried submitting both a credit report request and submit a dispute with equifax. Both were impossible due to a mismatch in address information and or a system error.

Issue 2 : Equifax website itself is non-functional/inaccessible most of the time. It may load a single webpage in about 25 to 45 minutes. It would appear that it is receiving a denial-of-service attack.

Issue 3 : Upon discovering that i can not sign up for an account on equifax website, and being refered to a 1800 number to call them, I decided to give Equifax a call to dispute an item on my credit record. However, they were not able to identify me over the phone. I faxed Equifax identity documents, which was reportedly lost, so i re-faxed them again, and then re-re-faxed them.

Issue 4 : I keep receiving USMail from Equifax indicating that they have made a decision and that i must send them identifying documents. I have already done so 3 times.

Issue 5 : Nobody is reading my complaints properly. If you reviewed my complaints, you'd realize that ive uploaded my identity documents directly to this form. They are available to anyone reviewing my complaint.

Issue 6 : To this date, there has been no solution offered. My information has not been updated and i have not been contacted for a resolution. My credit report has not been provided. My credit score went to zero. I have no access to dispute anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express cancelled my accounts and took all Membership Rewards points that I had accrued without any notice or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Account was cancelled without warning or explanation. I want my membership fee that I paid pro-rated and refunded as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Charge card was cancelled without warning or reason. Would like my membership fee pro-rated and refunded to me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Card was cancelled without warning or reason. Would like my pro-rated membership fee refunded as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Account was cancelled without warning or reason. Would like annual fee pro-rated refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Back in XXXX of 2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. 

I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. 

I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. 

All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XXXX 2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. 

All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OH

Complaint narrative:
My XXXX year old Grandmother paid her bill twice. We told the Bank and Mastercard. When we refunded the money, The XXXX XXXX Rewards Mastercard, claimed this was a credit against her account. However, they had already taken out of the bank account. We had to argue this point, that they had taken the money out of the bank account and not used that money as a credit towards the account. We were able to get the situation sorted in that one of their customer service providers said that when the account righted itself at the end of the month we'd only owe the balance. This still hasn't occurred, months later, and they still claim this money - which was never given them, nor used - is owed to them. Because of their insistence, later acceptance but non-action, the account balance doesn't reflect the actual payoff amount, and the bill ballooned. I wouldn't be filing this complaint if they had promised over the phone that they understood and the account was clear. Nor, would I be as quick to complain if dealing with their reps hadn't proved to be difficult in sorting a simple situation. One representative fought with my Grandma for two hours trying to get her to pay the bill she'd already paid, a third time. Claiming that when we paid twice, on accident, we owed this amount.

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 2020-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Case # XXXX - Your account has been locked My account is blocked from XX/XX/2020. Support is not responding, I have been writing to them for 14 days, there is no reaction. I wrote to XXXX, where they replied that my ticket was handed over to a specialist, but I still did not get an answer. Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: NY

Complaint narrative:
Back in XX/XX/2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. I've made little progress since reporting the fraud. Three out of four banks have  not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XX/XX/2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Back in XX/XX/2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XX/XX/2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief