vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I paid my card off to a XXXX balance in XX/XX/2019. I made a new purchase in the amount of {$58.00} on XX/XX/2019. I called and informed Customer Service that I had been sick and could not make the payment as I had been out of work. I was informed that my balance was too low for hardship and I did not have Insurance on the account. Since then I have made 3 payments totaling {$110.00}. I looked at my account and realized that I had more penalties on the account that is 4 times the charges in the amount of {$240.00}. I called back for assistance, I asked the first representative to transfer me directly to a supervisor. She told me that she understood and that per policy she had to make an attempt to resolve the account. She removed one fee of {$35.00} and transferred me. The supervisor ( XXXX ) that I spoke with stated that he could not remove any additional penalties or negative credit marks off my report since the previous agent removed one. I informed him that the previous rep credited {$35.00} as she stated that it was policy and she transferred me so that he could better assist me. 

I asked to speak with someone above him with more authority. He stated that there was no one else and anyone above him would not remove the fees since the first rep removed one. He refused to reverse the first credit to apply more. 

I feel that they know this upfront and applied a credit to avoid adding more. I know that with payments that I have paid the fees could have been taken into consideration as I called before it was this far behind for assistance and was refused, I was not given an option to cure the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have a Satisfaction of Mortgage that Dates back to XX/XX/XXXX That Chase states it is not there Loan, and on XXXX I have a S.O.M From Chase which is in our Register of Deeds here in XXXX Wi. I found out that Chase Not there Loan, Is XXXX XXXX  XXXX The Doc. 
ID.Match. XXXX also states paid in Full as of XX/XX/XXXX I have a S.O.M. From XXXX. Dated XX/XX/XXXX. again recorded in our Register of Deeds here in XXXX Wi. 
Info Dates back to XXXX. XXXX XXXXXX/XX/XXXX Paid Account XXXX Balance XXXX XXXX XXXX.In XXXX was going to Foreclose our Home another S.O.M. I Found out it was a Home Equity Loan This went on for Months. Found out what it From in a Chase office in Louisiana. I have a letter From XXXX XXXX  where we stated in XXXX It went from XXXX XXXX to XXXX XXXX they went Belly Up. 
took over by XXXX. I do have a Letter from XXXX XXXX that my Servicer Is XXXX. Under Wi.Law If you received a S.O.M. endorsed with Time/Date/ and Document number from Register of Deeds Office Nothing further needs to Be Made.The Home was Sold On XXXX Chase collected Approx.82,000.00 then Plus Int. from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: TX

Complaint narrative:
On XXXX XXXX I mailed a certified letter to Experian requesting proper validation of a few accounts. I called XX/XX/XXXX to verify the letter was received XX/XX/XXXX like stated by the post office. I have been disputing these accounts for over 6 months. Per FCRA 609 I requested proper validation meaning original application and identification used when account was opened. On Sunday XX/XX/XXXX I was notified that the investigation of a couple of accounts were complete. I called Experian XX/XX/XXXX and spoke with XXXX in the XXXX department and he stated all though XXXX XXXX did not provide the proper validation that was requested the account will remain which is against the law. Experian is refusing to properly validate the accounts as I requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
DUE= {$310.00} owe ( 30 days past due ). My lease was due XX/XX/XXXX but dealers were closed so I didn't have a place to hand back my car. 

ACTIONS= 1. I was told to drop it off at any dealers. But all the dealers shut down their business due to the pandemic around end of XXXX XXXX I am in California ) 2. I was told to hold onto the car and " no additional charges would I apply '' since no dealers were opened. I have proofs of the texts that I sent to GM. 
3. I got call from GM in XXXX that I was " late '' and past 30 days due date. 
4. I called them, texted them on my dashboard app and texted them on my car. It was extremely difficult to get a hold of anyone. Finally, after 4 attempts, I got thru to someone today. I was transferred 4 times, spoke to 4 sales reps -- all denied that anyone said this to me. The 5th sales rep finally gave me a GM email so I can show them my texts and I will. 

I need help to handle with GM Financials. It is illegal what they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello : I have contacted Experian Credit bureau regarding Identity theft in my account and have subsequently asked to remove all accounts that were not mine as well and any and all address that did not belong to me and provided them with a policy report and my current IDs to support my request. It took several letters to get some of the information removed but they have yet to update 1 account and have not removed the various variations of my name and various incorrect addresses that do not belong to me but that show up on my credit file. I have expressed to them that all this confusing information is probably what exposed my account to the risks of Identity theft to begin with. To date, i am still exchanging letters with them on the matter and they are still not budging. Can you help me ot get their attention to this very critical matter which is severely affecting me at this time? Can you help me remove all names and addresses that do not belong to me and this acct XXXX XXXX that they keep " updating ' with the same information which i dont know where they are getting it from since its in another country altogether? I have even been told that I have an email associated to my account that has nothing to do with me, probably residuals from the fraud which happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Hello, When using my USAA card to pay my dentist, the charge was declined. 

I have since learned that USAA reduced my available credit limit, after calling the customer service representative to find out what was happening ... I was told that there was " no reason '' and that this action " did not make any sense '' as my more than 30 years as a loyal customer with USAA and perfect credit, stable employment, etc etc made the whole matter inexplicable. 

Additionally I was told that there was no remedy and no resolution. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: CA

Complaint narrative:
This complaint is because XXXX  has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) must remove the accounts from my credit profile within 4 business days when presented a full ID THEFT REPORT. They have also violated FDCP 809. Validation of debts ( a ) ( 4 ) Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged fraudulent debt. 

XXXX received the initial complaint on XX/XX/2020 [ CERTIFIED # XXXX ] Therefore XXXX  is NOT ALLOWED take advantage of 60 days to do an investigation. because of this online complaint trying to use an online technicality This is a violation of 607. Compliance procedures [ 15 U.S.C. 1681e ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been trying for the last 3-4 years to open a bank account with the large bank entities in the United States but with no good end result. Wells Fargo, XXXX, XXXX  XXXX XXXX. I have even tried the lesser accounts that Wells Fargo offers for those with bad credit history but still not an option. I am working on getting my credit score back up to normal and with a legit bank account it would definitely help but every bank is telling me no. I would like an in depth look into why that is and for it to be resolved. I have been up to date on most of my payments and dont owe anything to any banks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Because of the CodVid19. I've decided to cancel all my vacations plan until things get better. I've booked most of my vacation with American Express Travel. I booked airfare and 3 hotels. The airfare they provided me with future credit and I'm okay with that. However, the XXXX hotels I've booked which equal a total of {$1100.00} were cancel and American Express Travel sent an email that it will take 45 days to get a refund but back into my American Express Platinum. I currently have a {$700.00} balance on my American Express Platinum, which is technically slightly past due, because I was going to use the money from the cancellation toward the due amount. I've spoke to both American Express Platinum and American Express Travel. Platinum say I have to take it up with the Travel Department ; The Travel Department says to take it up with the credit card. I ended up speaking with the The Travel Department supervisor and she said that because the cancellation was initiated there was nothing they can do in their end and because of the CodVid19, what normally takes 7 days to process now takes 45 days to process. Platinum says they can't see the cancellation, and would have to wait the up to the 45 days to see it. I requested to speak to the supervisor 's supervisor. She said that person will take 7-10 business days to return a phone call to me. However, Platinum was able to waive the late fee and they said that while they understand my frustration, American Express Travel is a separate company and can not control what they do. 

My concern now is that in 45 days my account will generate another billing cycle and I will charge another late fee and possibly damage my credit. While there is a past due amount, the cancellations is over the amount that is due and I am owed the amount of {$480.00}. ( IE : {$1100.00} of cancellation - {$700.00} of past due = {$480.00} ). It's took a few seconds to charge my account when I booked this trip ; why is it taking 45 days for me to get my money back? Why isn't American Express Platinum working together with American Express Travel to make this process faster?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: Innovis
State: CT

Complaint narrative:
inquiry on my credit that causing and issue. It wasn't verify it was me. the XXXX  inquiry on XX/XX/2020 and XX/XX/2020 or not verify it me. well I have and account with XXXX  and the inquiry on XX/XX/2020 is mine and it was verify. 
the XXXX and dervese inquiry is not mine. please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to you regarding my mortgage with Selene Finance. I received a letter from XXXX XXXX stating that were cancelling my homeowner 's insurance on XX/XX/2020. I called Selene Fiance a week later to report that I am no longer using XXXX XXXX for my homeowner 's insurance, and I have a new contract with XXXX XXXX. Selene Finance renewed that policy with XXXX XXXX without my consent. XXXX XXXX and my self have reached out to Selene Finance regarding my homeowner 's insurance on several occasions with no resolution. XXXX XXXX has informed me that I have until XX/XX/XXXX before they cancel my policy. I am asking Selene Finance to change my homeowner 's insurance to XXXX XXXX immediately. I would also like for my mortgage to be reported to all credit bureaus. 

XXXX XXXX Loan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: TN

Complaint narrative:
I have submitted over 6 disputes to Equifax. They robotically decline all of the disputes and simply state they don't have to look into it again because they already did once. ( years ago ) HOWEVER, I now have the police report, FTC documentation, and proper paperwork to get these items removed from my credit report because they are fraud. Equifax doesn't care. 

Moreover -- Equifax has it built into their online dispute system to give an error anytime someone tries to submit a dispute on their account that results in removing a negative account. I can prove this. I attempted to submit 4 disputes today. 2 simply asking for information updates, and 2 stating there was fraud and/or inaccurate data. The inaccurate data disputes went through no problem. The disputes with fraud and inaccurate information resulted in Equifax stating there is an " error '' and they could not process my request.. to try again later. I tried this repeatedly -- with the same result. 

I'm no lawyer -- but that seems like shady stuff there. and Ive sent in letter after letter through snail mail -- and followed up with calls just for Equifax to tell me nothing was ever received. Of course there is no way to send anything through email -- even if encrypted. That would result in accountability and tracking! 

EQUIFAX should know why this fraud happened. It was their fault- I am part of the class action lawsuit against them because of the breach. Im going to be including this time in the hours I am billing against them for having to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Below is information that the sender provided in this email message that I am here complaining about : Fw : [ Daily Report ] [ New Update Result ] Latest Reminder - About your account login from, XXXX, Account report sent to your [ XXXX # ] On Saturday, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : Subject : [ Daily Report ] [ New Update Result ] Latest Reminder - About your account login from, XXXX, Account report sent to your [ XXXX # ] On Saturday, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I received an email supposedly regarding a " Paypal '' account using my name. The information re : the sender is above ... .having removed my name on it ( as was suggested by your reporting information ). It seems like a scam attempt/phishing attempt by some fraudulent actor to get information of mine for their benefit, either immediate or in building an even more effective scam attempt in the future. 

I am unsure if this report to you is the correct procedure to mitigate the kind of online fraud attempt ... .Please redirect me if there is a better US government office to make this report to. Thank you ... 

Mr. XXXX XXXX XXXX XXXX Il. ( XXXXXX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FISERV FINXACT CORE
State: SC

Complaint narrative:
On XX/XX/2020, I called Money Network 's customer service phone number to make a request to close my account and be mailed the remaining balance in the form of a check. I submitted the requested information to the email address the customer service representative gave me ( XXXX ) and was told I would receive the check in the mail in 7-10 business days. 

Today is XX/XX/2020 and I never received anything in the mail from the company so I called the customer service number for an update and the representative I spoke with said they have no record of my sent email from XX/XX/XXXX. So I confirmed the email address was correct and resent the email three times while on the phone with the representative, in which they said they were unable to see it being sent in and had no further able to help me close my account and retrieve my money. They have frozen my access to the funds in the account and are have been charging a {$5.00} maintenance fee per month towards the money in my account. I simply want to close the account and be issued my money that is left in the account and they are not helping me do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: ID Analytics, Inc.
State: CT

Complaint narrative:
inquiry on my credit that causing and issue. It wasn't verify it was me. the XXXX  inquiry on XX/XX/2020 and XX/XX/2020 or not verify it me. well I have and account with XXXX and the inquiry on XX/XX/2020 is mine and it was verify. 
the XXXX  and XXXX  inquiry is not mine. please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been trying for the last 3-4 years to open a bank account with the large bank entities in the United States but with no good end result. XXXX XXXX, XXXX, Bank of America. I have even tried the lesser accounts that XXXX XXXX offers for those with bad credit history but still not an option. I am working on getting my credit score back up to normal and with a legit bank account it would definitely help but every bank is telling me no. I would like an in depth look into why that is and for it to be resolved. I have been up to date on most of my payments and dont owe anything to any banks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been trying for the last 3-4 years to open a bank account with the large bank entities in the United States but with no good end result. XXXX XXXX, Chase, XXXX  XXXX XXXX. I have even tried the lesser accounts that XXXX XXXX offers for those with bad credit history but still not an option. I am working on getting my credit score back up to normal and with a legit bank account it would definitely help but every bank is telling me no. I would like an in depth look into why that is and for it to be resolved. I have been up to date on most of my payments and dont owe anything to any banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: FL

Complaint narrative:
Hello : I have contacted XXXX  Credit bureau regarding Identity theft in my account and have subsequently asked to remove all accounts that were not mine as well and any and all address that did not belong to me and provided them with a policy report and my current IDs to support my request. It took several letters to get some of the information removed but they have yet to update 1 account and have not removed the various variations of my name and various incorrect addresses that do not belong to me but that show up on my credit file. I have expressed to them that all this confusing information is probably what exposed my account to the risks of Identity theft to begin with. To date, i am still exchanging letters with them on the matter and they are still not budging. Can you help me ot get their attention to this very critical matter which is severely affecting me at this time? Can you help me remove all names and addresses that do not belong to me and this acct XXXX XXXX that they keep " updating ' with the same information which i dont know where they are getting it from since its in another country altogether? I have even been told that I have an email associated to my account that has nothing to do with me, probably residuals from the fraud which happened.

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