vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-21 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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:
I received my XXXX  report that they have deleted from my account the negative collection report from XXXX XXXX XXXX. They keep reporting it every month. I have disputed with all three credit companies and I can not get Transunion and XXXX  to follow suit. If you look at my credit report there is no derogatory information except this company who insists on calling me, emailing me, threatening me with lawsuits, sending letters and even calling my job on a couple of occasions

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 2020-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/20 i received a notification from Chime bank that my account was in the negative for over {$200.00}. I was surprised because i only had {$13.00} to my name because i was unemployed. When i checked my account a hotel i was staying at charged me an additional {$180.00}. No explanation whatsover. I had paid up to the date i was supposed to check out. I wasn't supposed to check out until XXXX i actually left 3 hours early. The room was left immaculate I even took photos. Now the only card the card the hotel had on file was a temporary card because i had lost mine. I never gave them my new card info. Yet somehow they were able to charge my card for {$180.00}. How was this possible? I only had {$13.00} to my name. How did Chime pay this? I complained they sent me a dispute form which i filled out and returned that same day. For over a month i never heard back from chime. This past Wednesday my new employer put my direct deposit into my account and chime took it to cover the {$180.00} still leaving me - {$9.00} in my account. Ive called them and emailed them everyday all day and all they keep saying is that theyre working on it but they have up to 90 days to return the money. Thats XXXX, it took them seconds to take my money why do i have to wait 90 days to get it back. I want my {$190.00} back. A friend gave me this site so thst i can get help. He says you helped him with chime also. I dont understand how they paid that money when i only had {$13.00}. Its like they did it on purpose. Please any help would be greatly appreciated. My name is XXXX XXXX, the merchant was XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX Florida. My email is XXXX and my phone number is XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: FL

Complaint narrative:
I received my XXXX  report that they have deleted from my account the negative collection report from XXXX XXXX XXXX. They keep reporting it every month. I have disputed with all three credit companies and I can not get XXXX  and Experian to follow suit. If you look at my credit report there is no derogatory information except this company who insists on calling me, emailing me, threatening me with lawsuits, sending letters and even calling my job on a couple of occasions

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 2020-11-21 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I need all the hospitals bills off it wasnt me!!

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 2020-11-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I signed upon Online for a Citi XXXX XXXX  Credit Card around XX/XX/2020 at the same time I requested 3 balance transfer one of which was XXXX for {$1000.00}. 
All three showed being transferred on XX/XX/2020. Two of them did make it to the other banks the XXXX did not and still has not but yet Citi has charged my account. I have spent hours on the phone with both Citi and XXXX and they keep pointing fingers at each other that the other one has my money. I have done disputes that were then cancelled and a letter sent to me by Citi that the problem has been resolved and I received my money and they closed the case, but yet I have not received my money. I have been hung up on by 3 separate employees of Citi, two. Of which were supervisors. I have requested phone numbers for someone other than customer service and that is all they will give me. I have asked for a compliance department and they do not know what I am talking about. The best I could get was an address in Delaware which I sent a letter but have not heard anything as of yet. With all the many phone calls, three way calls between Citi and XXXX this is going no where and I am out {$1000.00}. The only written documentation I have ever received from either company is a letter dropping the investigation and saying I have received my money. Citis business practices are such that I dont know who to go to next. Can someone get back to me and give me some directions. Thank you.

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 2020-11-21 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: GA

Complaint narrative:
Im filing a complaint against Experian please remove the consumer statement on my credit file i do not have a fraud alert and I want it removed from my file, I did not place this consumer statement on my file I do have screen shots of the statement thats on my file, I do not wish for anyone to add anything unless I tell anyone to add to my file, please remove this statement I do not want this on my 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 2020-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX money from XXXX XXXX was returned to Venmo because the debit card on my Venmo account was deactivated. Its has been over 37 days and I emailed and called Venmo I cant seem to reach them they claim because of corvid no one is available so they never returned my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
Someone opened a checking account under my name at SunTrust Bank. XXXX XXXX XXXX XXXX, TN XXXX i called Suntrust and they wanted my social security number over the phone and i would not give it to them I am still receiving information about my account in the mail. I live in Massachusetts and there is no SunTrust branches here. I also received notification of enrolling in Overdraft protection, which i did not apply for either.

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 2020-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: GA

Complaint narrative:
I have received several calls about this 10+ old debt. I have instructed them to not call me. They continue to do so. They also spoke with my relative about this debt. This relative does not live in my home and I am unsure how they even got the number. But they were very detailed in giving them the information to pass on to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX and XX/XX/XXXX, I contacted Equifax a major credit reporting agency requesting that they remove the credit freeze of XX/XX/XXXX from my credit file so I may attain credit in the near future. I have faxed all of the information the agency requested and the freeze is still on my credit file. I would greatly, appreciate it if your agency can help with resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: FL

Complaint narrative:
Equifax Unable to access online dispute filing. Had to call. Received email today that results are ready. Extremely hard to access website. Finally got in. Link led me to solicitation of their products. No matter what link I clicked on, could not access dispute results. Neither was credit report available. This is a problem, going on for many years, not only with Equifax but with other two bureaus as well, where the landing pages are all about selling their product instead of helping the consumer to get the assistance they need in a simple, easy to access manner. So fed up of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have had a credit account with Chase Sapphire since approximately XX/XX/XXXX and have received several credit increases over that time. My most recent credit limit was somewhere around {$14000.00}. Since opening the account I have paid my account bill on time every single month. Like many Americans XXXX has been difficult for our family and for the several months I carried a higher than usual balance on my Chase Credit card ( along with several others ) however, during this time I still paid ( at the very least ) the minimum balance on these cards every month on time and when possible I paid more. On XX/XX/XXXX I was able to make a large payment of over {$13000.00} and pay off the vast majority of my balance. Several weeks later I paid off the remaing $ XXXX and brough my account balance down to XXXX. It was at that point I noticed that my credit limit had been decreased ( without notice ) from {$14000.00} to {$900.00} despite the fact that over the past couple of months my credit score had been increasing. When investigating further I found that this decrease was made on XX/XX/XXXX. 

When I contacted Chase I was passed around to about 6 representatives who told me that a letter ( I never received ) was sent to inform me of the change and that they basically ca decrease my credit limit whenever they want. When asked about restoring the original credit limit they told me that they would have to do a " hard pull '' which would count against my credit rating. This given the fact that they had already negatively impacgted my credit rating by decreasing my available credit by over {$13000.00}. 

My concern is that this is an incredible shady, classist business practice that harms Americans who are already struggling during these times. I find it more that a coincidence that in the almost two years that I have had an account with them they never decreased my limit ( despite occasionally carrying a high balance that was always paid off ), but now during these difficult times they just randomly decide they should look at credit scores and decrease people 's spending limits. Clearly, it is a matter of self-preservation and discrimination. Credit cards are exactly that. They provide credit to people particularly during times they don't have the cash to pay for things. There is no crime and no delinquency in carrying a high balance as long as monthly payments are made on time. People, particularly those who financially are having a hard time right now SHOULD not be punished by their selfish, discriminatory, greedy practices. Therefore, I would like to file this grievance encouraging investigation into their business practices and ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a FTC identity theft report to be sent to Equifax, XXXX, XXXX, I have tried to resolve this with the companies and the credit reporting agencies but they have failed to help me, so Im filing this to have these inquiries that was placed on my credit report as fraud, I want these inquiries taking off my reports, I have included in the FTC Identity theft report all the inquiries that are on my reports, I want these removed, I am unemployed I can not buy a car, I am disputing these inquiries as fraud, but do not add any fraud alert on my credit reports with out my express permission, I am sending a copy of this FTC indentity theft report to all three credit bureaus so they can have and keep this FTC identity theft report if any more show up I was alerted this morning from credit monitoring products from all three credit bureaus that these inquiries have been placed on my credit reports please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: IN

Complaint narrative:
Contacted by letter XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX to verify debt. Did not receive response. I received a bill is all. Letter was sent on XX/XX/2020. 

On XX/XX/2020 I sent all 3 bureaus a Debt verification letter. XXXX removed these accounts after investigating. 

XXXX XXXX Removed XXXX. 

XXXX  did what they were supposed to do. They deleted Unverified account. 

XXXX, XXXX and XXXX XXXX XXXX verified the debt with Experian when they were being disputed by me in writing of the debt. Which they never responded to me ever. They can not verify a debt with the credit bureaus if I am disputing it with them. 

Experian initially removed XXXX XXXX XXXX XXXX for failure to respond in 30 days to their request. Then re added the account later saying it was verified. At this time I still have not received verification from XXXX. 

XX/XX/2020 I sent a letter to Experian and XXXX XXXX explaining I sent debt verification letters to XXXX and XXXX XXXX  and had not received and the account should be deleted. 

XX/XX/2020 sent a letter to Experian and XXXX XXXX that added that I had been disputing XXXX XXXX XXXX for 3 months and Comments section did not reflect this and needed deleted. I mentioned they were using e Oscar to do the verification and they needed to delete. 

XX/XX/2020. Sent letter to Experian about XXXX that I had been disputing this for 3 months. I mentioned that the comments did not reflect this. I asked for deletion. 

XX/XX/2020 I sent a letter to XXXX XXXX about XXXX XXXX XXXX that I had been disputing this account 3 months. I said the comments do not reflect this. I mentioned e Oscar was being used. To delete this account. 

XX/XX/2020 I tried to dispute online these accounts and it says I can not dispute them anymore because they have been verified. 

All these accounts have not been verified by the creditor and I have yet to receive a response from them. Experian and XXXX XXXX verified these accounts at the same time I am disputing these accounts with the creditor. Experian took XXXX off after they did not verify in time then re added after they verified late. Experian and XXXX XXXX are not reporting all my disputes in the comments section on these accounts. Now I am not allowed to report anymore on these accounts online. These accounts should be deleted due to violations of the FCRA. I have copies of all these letters.

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 2020-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACRE MORTGAGE
State: PA

Complaint narrative:
On XX/XX/XXXX I decided after not reaching my mortgage commitment date ( XX/XX/2020 ) for the purchase of my new home to seek financing with another mortgage company ( XXXX XXXX XXXX ). I wrote a letter to cancel my mortgage and release my appraisal on XX/XX/XXXX and submitted this letter to Acre Mortgage and XXXX XXXX. They have blantently refused to honor my request and now have cause me to miss my settlement date of XX/XX/2020. My realtor ( XXXX XXXX ) has requested over and over for them to transfer my appraisals to no avail. XXXX XXXX has even contacted me trying to steer me back to Acre Mortgage. Please help Acre Mortgage is ruining my life and I may end up with no where to live If I dont get this resolved ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: GA

Complaint narrative:
I filed a FTC identity theft report to be sent to XXXX, XXXX, Experian, I have tried to resolve this with the companies and the credit reporting agencies but they have failed to help me, so Im filing this to have these inquiries that was placed on my credit report as fraud, I want these inquiries taking off my reports, I have included in the FTC Identity theft report all the inquiries that are on my reports, I want these removed, I am unemployed I can not buy a car, I am disputing these inquiries as fraud, but do not add any fraud alert on my credit reports with out my express permission, I am sending a copy of this FTC indentity theft report to all three credit bureaus so they can have and keep this FTC identity theft report if any more show up I was alerted this morning from credit monitoring products from all three credit bureaus that these inquiries have been placed on my credit reports please remove.

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 2020-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACRE MORTGAGE
State: PA

Complaint narrative:
On XX/XX/2020 I decided to go another Mortgage lendering after Acre Mortgage missed my mortgage commitment date of XX/XX/2020. Fearing loosing my house I signed a written request to cancel my loan and transfer my appraisal. XXXX XXXX the owner immediately contacted me and told me that if I left XXXX that he would charge me all types of fees. I contacted my XXXX XXXX XXXX and she told me it was illegal for him to threaten and intimidate me like that. She also told me that I did not sign anything stated I would be charged a fee for canceling my loan. This felt like predatory lending! Acre Mortgage has now cause me to miss my settlment date of XX/XX/2020. I am praying not loose out on my home purchase. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
In 2004 I received a truth in lending statement that I would pay {$480000.00} over 30 years. Instead I paid {$700000.00} over 16 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bepensa Capital, Inc.
State: WI

Complaint narrative:
This company calls at all hours of the day, switches the phone numbers they are calling from, they call numerous times per day. They are the finance company I bought my car through, theyve threatened if I dont pay now theyre going to report negative to my credit report. My car note is due the XXXX of every month, they get their payment before end of month but they dont stop calling until they do. My household has been income impacted because of COVID they are aware of this, weve asked them to stop calling us because they still get paid every month is just not on the due date. They call my boyfriend all day every day and they call me all day every day. This is harassment at this point I want to file a suit. Theyve called from XXXX, XXXX, XXXX, XXXX, their number is always changing they are located in Florida theyre not even supposed to be calling from a XXXX area code that is XXXX WI.

Company response to consumer: Closed with explanation