vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: DISCOVER BANK
State: CT

Complaint narrative:
I applied for a credit card after many promotional emails, a prepaid card with discover. The fee was minimum XXXX XXXX .I paid XXXX $ for prepaid credit card ... They sent the plastic card by mail ... i wasnt able to ever use the suppose to be open account. They claim i needed to send 2 years of IRS history/taxes. 

I am XXXX. I never had a card before, i was trying to open credit for the first time to help myself get an aparment on the future. 

They were super rude to me back on XXXX XXXX ..very nasty because i dont work and only receive income for XXXX. After 4 hours on the phone, not able to use my card..and hungry on the street. They told me there was no way for them to active my card due to me receiving XXXX, not working I asked them to refund the XXXX XXXX they told me they will only refund after 2 billing cicles knowing the card was never actived..and never used of course. If they were closing the account then theres no billing cycles either ... .I waited 3 months and the XXXX $ check refund never came by mail as promised. This was discrimination and also stole the money. Yes this is the real discover company. I have the letter on hand. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I am currently XXXX XXXX military. I enrolled into XXXX university paying for my tuition using my XXXX XXXX. XXXX. It was never stated that due to me being XXXX XXXX my XXXX XXXX would not cover the entire balance of my tuition. Once I was XXXX and disenrolled in the university I received late statements stating I owed the University tuition fees. After going back-and-forth with the Finance office I was told and have a statement saying that once Payment was made that the negative report will be removed from my credit and the account will be in a satisfactory condition. After I made the final payment the negative credit mark was left on my report. I have dispute it the count on numerous occasions and the creditor has not honour the obligation made with the University.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CO

Complaint narrative:
On XX/XX/2020, I purchased access to an online conference from XXXX XXXX  XXXX for {$790.00}. Due to technical issues on behalf of the vendor, I was not able to access the recordings. I reached out multiple times to the vendor in an attempt to fix the issue ; however, the vendor was not able to fix the issue. I asked the vendor for a refund multiple times, but the vendor never responded. I reached out to Chase Credit Card to dispute the charge. Chase informed me that I would receive the claim dispute form via US Mail and it could take up to 10 business days. When the claim did not arrive via US Mail after 10 business days, I contacted Chase and they informed me that my dispute is closed because I did not submit the required documentation on time. Chase misinformed me that my dispute form would be coming via US Mail - I lost over three weeks because of this error on behalf of Chase. I escalated this case to Chase Executive offices with no resolution. Chase has been unfair and unjust in this business dealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have these accounts that does not belong to me and i want it to be remove from the three credit reporting agencies. See the list bellow : XXXX  1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft 06 XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft SYNCB/NETWRK Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft SYNCB/NETWRK Account XXXX : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft SYNCB/NETWRK Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 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: CORELOGIC INC
State: NJ

Complaint narrative:
I have these accounts that does not belong to me and i want it to be remove from the three credit reporting agencies. See the list bellow : XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I escrow taxes and insurance in the mortgage payment. My mortgage company is Freedom Mortgage. One day we receive a tax sale notice from our County saying that our county taxes are delinquent and there has been interest and penalty added to the balance. I immediately called the mortgage company XXXX XX/XX/2021 ) and asked what happened, they said they would escalate the case, and look into it. But we heard nothing from them. I called again today and asked for any update, there was none. I checked the tax status with the County, and the amount only grows higher due to added interest and penalty. I called the County tax division and explained what happened, and they said there is nothing they could do, and asked me to hire a lawyer. Tax sale will happen less than 40 days. A lien will be generated if no action is taken. 

Obviously the mortgage company did not do their job and did not pay and we are about to become a victim. Can you help us? We did not do anything wrong.

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 2021-06-24 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:
I HAVE SUBMITED AT DISPUTE THAT THIS ACCOUNT WAS FRAUD AND UNLOADING THE FTC REPORT AND A BASED VERIFCATION WAS DONE AND NOTHING WAS GIVING TO ME ON WHAT WAS PROVIDED ALL THEY SAID WAS THEY NOTHING THEY CAN DO THET THE CREDITOR ON CONTRAL ON WHAT GET DELETED ON WHAT STAY ON SO HOW IS THAT PROTACTING US FROM FRAUD

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 2021-06-24 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: FL

Complaint narrative:
I HAVE SUBMITED AT DISPUTE THAT THIS ACCOUNT WAS FRAUD AND UNLOADING THE FTC REPORT AND A BASED VERIFCATION WAS DONE AND NOTHING WAS GIVING TO ME ON WHAT WAS PROVIDED ALL THEY SAID WAS THEY NOTHING THEY CAN DO THET THE CREDITOR ON CONTRAL ON WHAT GET DELETED ON WHAT STAY ON SO HOW IS THAT PROTACTING US FROM FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TX

Complaint narrative:
My credit scores do not reflect my accurate score, several factors are not being taken into consideration with my score. Credit cards are being paid off in full yet my scores have not been adjusted and if they have been only are adjusted by 2 points. 

For example, XXXX and Equifax will deduct 12 points for a credit card debt increase of {$98.00} but once the credit card is paid off in full of {$1200.00} they only increase my score of only 2 points.

Second example that I have encountered, my credit score drops by 2 points for every hard inquiries a total of six inquiries 12 points, but when the two year time is over only 2 points are returned. Only 2 points for the removal of 6 inquiries, NOT FAIR! 

I have paid off multiple credit cards, but XXXX  and Equifax take multiple months to update my scores, however in the event I miss one payment or have a credit inquires made the negative scores are updated almost immediately. 

Mi scores are in low 600 's but should reflect something in the 700 's, but even in the event where everything is paid off in full do my scores ever increase. I feel this is a complete injustice to the consumer bullied by big companies that make a fortune off the inaccurate credit reporting. What is one to do? I need help, back up, I need your organization to intervene and adjust my inaccurate scores. 

Please, Please, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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:
My credit scores do not reflect my accurate score, several factors are not being taken into consideration with my score. Credit cards are being paid off in full yet my scores have not been adjusted and if they have been only are adjusted by 2 points.

For example, XXXX and XXXX  will deduct 12 points for a credit card debt increase of {$98.00} but once the credit card is paid off in full of {$1200.00} they only increase my score of only 2 points.

Second example that I have encountered, my credit score drops by 2 points for every hard inquiries a total of six inquiries 12 points, but when the two year time is over only 2 points are returned. Only 2 points for the removal of 6 inquiries, NOT FAIR! 

I have paid off multiple credit cards, but XXXX  and XXXX  take multiple months to update my scores, however in the event I miss one payment or have a credit inquires made the negative scores are updated almost immediately. 

Mi scores are in low 600 's but should reflect something in the 700 's, but even in the event where everything is paid off in full do my scores ever increase. I feel this is a complete injustice to the consumer bullied by big companies that make a fortune off the inaccurate credit reporting. What is one to do? I need help, back up, I need your organization to intervene and adjust my inaccurate scores. 

Please, Please, please help 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 explanation
Consumer complaint received 2021-06-24 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:
Ive been a victim of identity theft. Ive sent in numerous ftc reports. 

1. XXXX XXXX which Ive never done business with or entered into a signed contract with has appeared on my credit file. This account is fraudulent. 

2. XXXX XXXX XXXX Which Ive never done business with or entered into a signed contract with has appeared on my credit file.. This account is fraudulent! 

3. XXXX  XXXX. Which Ive never done business with or entered into a signed contract which has appeared on my credit file. This account is fraudulent. 
4. XXXX XXXX Which Ive never done business with or entered into a signed contract with this company. This account is fraudulent. 

5. XXXX/XXXX  XXXX  is also an Fraudulent account. Ive never done business with this company or did i ever enter into a signed contract.

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 2021-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi there, I transferred money through wire to abroad through TD bank branch XXXX dated XX/XX/21, reference # XXXX, until now the money is not received by the beneficiary. I visited the store three times to find out about it but didn't get satisfied answer. Instead of my couple visits and deep concern the branch failed to contact me or update me regarding the issue or any additional requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
I was never late on this 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 2021-06-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and nameXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SS XXXX XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, XXXX, EXPERIAN they also have records of my file that are wrong. I have requested verification of XXXX  XXXX XXXX  XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. I never received back any response and is has been more that 30 days since I mailed in the complaint in XXXX XXXX 2021.FCRA 623 ( a ) ( 2 ) ( B )

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 2021-06-24 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: FL

Complaint narrative:
Ive been a victim of identity theft. Ive sent in numerous ftc reports. 

1. XXXX XXXX which Ive never done business with or entered into a signed contract with has appeared on my credit file. This account is fraudulent. 

2. XXXX XXXX XXXX Which Ive never done business with or entered into a signed contract with has appeared on my credit file.. This account is fraudulent! 

3. XXXX XXXX. Which Ive never done business with or entered into a signed contract which has appeared on my credit file. This account is fraudulent. 
4. XXXX XXXX Which Ive never done business with or entered into a signed contract with this company. This account is fraudulent. 

5. XXXX/XXXX XXXX is also an Fraudulent account. Ive never done business with this company or did i ever enter into a signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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:
Ive been a victim of identity theft. Ive sent in numerous ftc reports. 

1. XXXX XXXX which Ive never done business with or entered into a signed contract with has appeared on my credit file. This account is fraudulent. 

2. XXXX XXXX XXXX Which Ive never done business with or entered into a signed contract with has appeared on my credit file.. This account is fraudulent! 

3. XXXX XXXX. Which Ive never done business with or entered into a signed contract which has appeared on my credit file. This account is fraudulent. 
4. XXXX XXXX Which Ive never done business with or entered into a signed contract with this company. This account is fraudulent. 

5. XXXX/XXXX XXXX is also an Fraudulent account. Ive never done business with this company or did i ever enter into a signed contract.

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 2021-06-24 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: KEYCORP
State: CO

Complaint narrative:
Your Address Your City, State, ZIP Code ( Your email address, if sending via email ) Date Name of Contact Person ( if available ) Title ( if available ) Company Name Consumer Complaint Division ( if you have no specific contact ) Street Address City, State, ZIP Code To Whom it may concern : Re : XXXX  MasterCard - XXXX On XX/XX/XXXX I purchased a used transmission from XXXX XXXX XXXX XXXX. 

Unfortunately, the transmission had a bad throttle body, making the part defective. The part came with a warranty so I called XXXX. XXXX advised the throttle body be removed and cleaned and then re-installed for a test. The problem being, I would have had to pay my mechanic for the labor. My mechanic, himself, even spoke with XXXX and explained the situation. As explained by my mechanic, cleaning the throttle body would not have done any good. At that point in time, I disputed the transaction as I was sold a defective part and XXXX expected me to put more money into the labor of cleaning the part in order to honor the warranty. I had my mechanic repair the throttle body which cost me over {$500.00}. I am disappointed because Keybank sided with XXXX and put the charges back onto my credit card. I do not feel I should have to pay for a defective part and that Keybank should protect their customers financial interests. 

To resolve the problem, I would appreciate the disputed amount be removed from my credit card balance. Enclosed are copies of my receipt for the repair. 

I look forward to your reply and a resolution to my problem. I expect a resolution by XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the XXXX Sincerely, XXXX XXXX Enclosure ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/21 received in the mail a XXXX XXXX XXXX ( XXXX XXXX  ) from Cash App - PO Box XXXX XXXX XXXX XXXX, MO XXXX. I have not applied for any credit. I have signed up for XXXX 's Protection Program & with their assistance we have tried to reach out to both Cash App & XXXX XXXX  with no success. Thru further research found their has been several fraud complaints filed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX CREDIT CARD HAS REPORTED THAT I WAS LATE 4 YEAR AGO AND 5 YEARS AGO ONCE. I PAID MINIMUM PAYMENT ON THIDS ACCOUNT AND ANY ACCOUNT WITH XXXX. I ASK FOR INVESTIGATION THROUGH FAIR CREDIT REPORTING ACT XXXX, XXXX AND XXXX. THEY BROKE DTATE AND FEDERAL LAWS BY NOT DOING INBESTIGATION RIGHT. I NEVER MISSED PAYMENTDS WITH XXXX CREDOT CARDS. THEY NEED TO SHOW ME ALL THE SECTIONS ABOVE AND HOW THEY CAMR TO ONE LATE ACCOUNYT WHICH FOR FACT I PAID.

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