vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ran an XXXX XXXX business, I asked for an OBDII code with ^just answer^ on line. Never got the code interpretation, instead charged the card with a bunch of donations and a fee!! Disputed the charges immedietely next day on line with CHase Visa on line service, on XX/XX/XXXX. Items were pending pending, had made SIX ADDITIONAL CALLS, all transferred to the XXXX, NO RESOLUTION, SO I HAVE HAD ENOUGH!! Today I still have those charges and asked to close and adjust card balance to XXXX!!! This Chase Company has been using the COVID-19 issue to defraud customers and defer legitimate issues, without resulution. I had paid this organization for more than 5 years and giving me the XXXX XXXX!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
Principal is not being applied. Including a {$200.00} principal only payment. The loan balance continues to rise even after payments are made. Several payments were made months early, yet some of them have been " applied '' as 100 % interest.

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 2020-08-14 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: MD

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: MD

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE 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 explanation
Consumer complaint received 2020-08-14 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2020-08-14 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2020-08-14 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On my Uber  Barclay credit card I had a lot of rewards sitting in the rewards center. Specifically {$420.00}. I'll pass over the fact that I'm XXXX about how the rewards were cash back but then they said I could only use them on Uber ... so that's the reason so much money was sitting in the rewards. On XX/XX/2020, somehow, all the rewards were redeemed to an unknown account : all my {$420.00} in rewards were stolen/fraudulently taken. I reached out to Barclay to solve the issue but they said since the money is in the reward section and has already been pulled out by Uber this is a problem I have to solve with Uber. With Uber, they are slow walking the issue and coming to no solutions and even being very rude to my persistence in finding a solution. It's been 2 weeks now and heard about this more official complaint channel so I'm going to give this a try.

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 2020-08-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
XXXX : I'm trying to activate a Visa gift card for {$100.00} issued by Blackhawk Network which expires on XX/XX/XXXX using the website listed on the card. The website simply said technical error. I tried again over the next few days with the same result. 

XX/XX/XXXX : I tried activating the card using the phone number listed on the card. The automated system said the card is inactive and hung up. I tried various ways to talk to a live customer representative but their automated system does not have that option. I called Visa who directed me to XXXX who directed me back to Blackhawk Network gift card number which was the same number ( for the purely automated system ) on the gift card card. 

I did some research online and noticed many other complaints lodged against XXXX and Blackhawk Network on XXXX. I decided to file this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My Wife and I attempted to refinance our current mortgage with our current mortgage company that had recently purchased our mortgage. From the beginning our loan officer thought there was a income issue and wanted to have underwriting review the income before ordering a appraisal. We sent in all requested documentation to the loan officer and began looking at different loan options. After 5 weeks we were informed that we were clear to get the appraisal. We paid our loan officer directly for the appraisal which we though was odd. The appraisal came back a little lower than expected which wouldn't allow us to pay certain debts off in a cash out refinance to meet our needed debt to income ratio. We advised our loan officer we could pay those debts out of pocket and with that he sent us a new XXXX cash out refinance offer which we signed. We asked our loan officer should we pay debts off now or would it need to be done at closing? The loan officer replied let me get with underwriting and he would get back us. After week of 0 communication, our loan officer responded to email my wife wrote stating that the company was unable to approve us because my income was part commission. We than asked if commission is unacceptable and you reviewed our income information with underwriting, why did you order and charge us for appraisal? We advised that we felt there should have never been appraisal if commission income is unacceptable, we want our appraisal money back. To date the company has refused to refund the appraisal fee. We have also made a complaint with the XXXX XXXX XXXX and the company still refuses to refund the appraisal. We are very concerned they ordered this appraisal to gather information about the property. Another concern is that if our income didn't qualify for the a new loan at a much lower payment how do we qualify for the we have now? Hopefully they won't use the information against us. We would like appraisal fee refunded the company had no reason to appraise our house if the income was unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
My son made a purchase on XX/XX/XXXX on XXXX. About 1 minute after the purchase, the seller cancelled the order and proceeded to charge my PayPal credit account in the amount of {$120.00} for the item ( a video game console ). I immediately contacted PayPal and let them know about the fraudulent charge made to my account. They said I had to file an online complaint/dispute. I filed the complaint/dispute and after a month they claimed that the seller provided them with " shipping information '' showing I received the order. I contacted XXXX and found out that the shipping information the seller provided was for an unrelated order made to an unrelated buyer ( which happened to be in the same city that I live in ). I proceeded to contact PayPal again and let them know the shipment information provided by my seller was " fraudulent ''. They said I had to file another claim and attach documentation proving my claims. I did so and provided them with the XXXX  tracking number and showed them that it was connected to a different purchaser/seller. Again yesterday on XX/XX/XXXX they got back to me denying my case. I have spent countless hours trying to reach PayPal, contacting XXXX XXXX  who issues the PayPal credit cards as well as contacting XXXX   and XXXX. Paypal refuses to refund me for this fraudulent charge. I have attached yet again the XXXX   proof which ties the seller 's provided tracking number to an unrelated seller/purchaser. It is not me, not my address and nothing to do with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: NC

Complaint narrative:
A few weeks ago I called and informed Plaza Home Mortgage Services / ( XXXX ) that I had paid the taxes and insurance for the current year and not to make those payments from the escrow account ; I also requested the termination/elimination of the escrow portion from the mortgage and that I would make the payment for the taxes and insurance from this point forward. 

A few days ago I received a letter dated XXXX XX/XX/XXXX stating, " We regret to inform you that investor requirements (? ) do not provide for removal of your escrow at this time. '' Prior to receiving this letter I had learned after I informed XXXX a few weeks ago not to make any further escrow payments, that XXXX had posted an insurance payment from this escrow. 

After I received the XXXX XX/XX/XXXX letter, I called to discuss the removal of the escrow and the fact that I had already notified XXXX not to make any of the escrow payments of which one had been posted. It appears XXXX is manipulating or mismanaging the use of the escrow portion of this mortgage account to its own benefit irregardless of my directions as one of the adjustments mentioned in a letter from XXXX suggests I should increase the amount of the payment for the next FOUR ( 4 ) years to correct a deficit when I have already informed XXXX I had paid both portions of the escrow account payment. 

( Also, earlier this year I had requested the removal of the escrow portion and received a response from XXXX in a letter dated XXXX XX/XX/XXXX that stated, " We regret to inform you that we are unable to remove the escrow because you have not yet established a 12-month payment history. '' That requirement ends this month and there were three other bullet points the third of which gives XXXX an open-ended opportunity to make adjustments to any requirements whenever they choose. I believe they should supply a copy of that letter as well. ) After numerous delays and multiple conversation with many different people during this call, all of whom picked-up the call cold and claimed to have no knowledge of my previous discussions I was finally transferred to someone in escalation (? ) who promptly ended the call, saying she felt that I was disrespecting her after XXXX had wasted a tremendous amount of my personal time with an endless loop of transferred calls to customer service representatives who did not have a clue about the nature of my inquiry and as a result nothing was resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 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: LA

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$140000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$9300.00} XXXX  XXXX XXXX {$2500.00}

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 2020-08-14 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: LA

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$9300.00} XXXX  XXXX XXXX {$2500.00}

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 2020-08-14 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Complaint number XXXX has been closed but the lender Citibank has not provided any documents or dates when notice to cure was mailed. The bank has not provided any further information on these matters.

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 2020-08-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian i submitted and fraud report because I was apart of the XXXX  data breach and my identity was stolen there are still reporting items that were apart of the identity thief which is a violation of the ftc Metro 2 Compliance - Standardizes the information reported to all 3 credit bureaus so that furnishers of credit information to bureaus must use the proper formatting in a form that contains charges that list the wrong date or amount ; math errors ; 67 fields. 17a, which on your credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifcations to all furnishers of this information.

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Using the information on 'best practices ' that these credit bureaus provide, I have reduced my usage to below 1 %, paid off all outstanding debt, made all payments on time, etc. 

Today, XX/XX/2020, Overnight my credit score plummeted by 64 points ( XXXX ) and by 20 points ( Transunion ) because my credit card numbers were changed. According to the information that XXXX XXXX provided, those were the only change on my account. Even though, the explanation I received stated that the changed CC numbers should have no impact. 

Additionally, the length of the oldest credit is stated as just over 2 years because I paid off student loans a few months ago - which also has an impact on my score. So, because I paid off the loan, it no longer qualifies as 'oldest credit. ' It appears that the more I follow the stated 'guidelines ' that the credit bureaus provide, the lower my credit score. The rating system seems at odds with the advice that the bureaus provide and this is reflected in my credit. 

Perhaps the algorithm that calculates such things should reflect what the consumer is being advised or vice versa.

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 2020-08-14 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE CONTACTED THE CREDITORS AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY PAYMENTS TO ANY OF THE CREDITORS. I HAVE BEEN TELLING THAT THESE ACCOUNTS ARE FRAUDULENT FOR MONTHS, AND NO ONE CARES AND AN AGENT FROM XXXX   TOLD ME TODAY WE CANT REMOVE THEM BECAUSE PAYMENTS ARE BEING MADE, HOW IS THAT MY PROBLEM OR MY FAULT, WHEN I AM TELLING YOU THAT THESE ACCOUNTS ARE NOT MINE AND I AM NOT MAKING ANY OF THE PAYMENTS, WHY ARE THE CREDITORS ACCEPTING THE PAYMENTS WHEN I AM TELLING THEM THESE ARE FRAUDULENT ACCOUNTS. THEY ARE DOING THIS ON PURPOSE TO RUIN MY LIVELYHOOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TN

Complaint narrative:
I was contacted around XX/XX/XXXX by phone and it was a representative from Professional Bureau of collections of Maryland. She told me there was a balance of {$340.00} on the  account and that i needed to pay right away or they would damage my credit by putting a collection notice on my account. 
I told her I had not received a letter or bill and I didn't have time to talk. 
I called back later that day and spoke with a man who was very rude and said the same thing threatening our credit report. 
I told him that i had not recieved a bill or letter and wasnt going to pay anything until i recieved it. He again threatened my credit and i told him i will wait for the notice. 
I recieved the Letter dated XX/XX/XXXX and the bill was {$340.00}. I pulled up the EOB from the insurance company that says I owe {$160.00} and that the insurance company had issued a check for {$180.00} on XX/XX/XXXX directly to the creditor. 
I then called the collection company and told them that I only owe the {$160.00} and had proof that the balance of {$180.00} had been paid by the insurance co. 
I sent the proof to XXXX and then he called me back and agreed thats all I owe so I paid them over the phone {$160.00}. 
Yesterday XX/XX/XXXX i recieved a notice on my credit report that there is a collection on my report from the same company. I called them and they said that i still owe the {$180.00} and they will not take the collection down until i pay it. My Insurance company has already Paid it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.XXXX XXXX XXXX {$280.00} XXXX XXXX {$18000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX   XXXX {$6800.00} XXXX XXXX XXXX {$270.00} XXXX XXXX {$2400.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$390.00}

Company response to consumer: Closed with explanation