vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 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: TX

Complaint narrative:
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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 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NY

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX XXXX, andXXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am being billed for an experian account and I do not have one. You are charging my account {$24.00} each month and last month I canceled but I am still being billed. I tried the free service and canceled it the same day. I can no longer get through and trying to re-cancel I can not get through.

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 2020-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME

Complaint narrative:
Ace cash express has called my wife on XX/XX/XXXX and XXXX and my grandmother on the XXXX saying there is a legal complaint against me for charges to defraud a lending institution. Then on XX/XX/XXXX I called them and they told me to pay XXXX dollars on XXXX dollar loan for they will proceed with charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: GA

Complaint narrative:
I have been in XXXX  and I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-10 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: GA

Complaint narrative:
I have been in XXXX  and I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian responded to my dispute regarding one inaccurate late payment on my XXXX XXXX  by deleting the entire tradeline. On XX/XX/2020 the Deputy Legal Counsel for XXXX sent directions to remove the late payment reference and update the XXXX  Tradeline on my Experian. However, because Experian has deleted the tradeline, the information that XXXX is reporting does not appear on my credit report, dropping my score for no reason. Experian correctly reports the exact same mortgage account tradeline properly on my wife 's report, so they know my report is inaccurate. 

I have no way to dispute an account that has been deleted by Experian and my repeated calls and written requests to Experian have been fruitless. I am stuck with an inaccurate Experian credit report that there is no way to fix.

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 2020-07-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint number XXXX to remove and block these items.

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 2020-07-10 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: TN

Complaint narrative:
Transunion, XXXX  and XXXX  are allowing XXXX XXXX to report a Bankruptcy in which the Federal Bankruptcy Court is not reporting. I do not have an account with XXXX XXXX  or a contract. The federal bankruptcy court is not verifying my personal info to XXXX XXXX and it is illegal for a third part to report of verify such information in which they were not a party to. 

The same three credit bureaus is further violating my constitutional rights by allowing XXXX XXXX to report a civil judgment from the XXXX County Tennessee Court that is marked satisfied. I do not have an account with XXXX XXXX and they are reporting a collection of {$4900.00} when the court has marked the judgment satisfied. This is a violation of the Fair Credit Reporting Act. 

The same three credit bureaus is again violating my constitutional rights by allowing the Tennessee Dept. of Human Services to report a civil judgment from the State of Texas. They have been incorrectly reporting and will not allow me a hearing for the negative reporting. State law forbids adverse credit reporting without the opportunity of a hearing. They have removed {$13000.00} from my credit, but should not allowed to report anything that was not entered by the State of Texas. Moreorver, the state law only allows them to report on accounts that are over {$1000.00} past due. I am not past due on an agreed upon judgment in Texas.

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 2020-07-10 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: TN

Complaint narrative:
XXXX, XXXX  and Equifax are allowing XXXX XXXX to report a Bankruptcy in which the Federal Bankruptcy Court is not reporting. I do not have an account with XXXX XXXX or a contract. The federal bankruptcy court is not verifying my personal info to XXXX XXXX and it is illegal for a third part to report of verify such information in which they were not a party to. 

The same three credit bureaus is further violating my constitutional rights by allowing XXXX XXXX to report a civil judgment from the XXXXr County Tennessee Court that is marked satisfied. I do not have an account with XXXX XXXX and they are reporting a collection of {$4900.00} when the court has marked the judgment satisfied. This is a violation of the Fair Credit Reporting Act. 

The same three credit bureaus is again violating my constitutional rights by allowing the Tennessee Dept. of Human Services to report a civil judgment from the State of Texas. They have been incorrectly reporting and will not allow me a hearing for the negative reporting. State law forbids adverse credit reporting without the opportunity of a hearing. They have removed {$13000.00} from my credit, but should not allowed to report anything that was not entered by the State of Texas. Moreorver, the state law only allows them to report on accounts that are over {$1000.00} past due. I am not past due on an agreed upon judgment in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: OK

Complaint narrative:
I purchased the tickets for my wife ( XXXX XXXX ) and son ( XXXX A XXXX ) through AMEX travel online back in XXXX. They took the outbound flight from XXXX  XXXX to XXXX, XXXX but their returned flights from XXXX, XXXX to XXXX  XXXX was cancelled by the airline due to the COVID-10 pandemic. Once I heard about the cancellation I reached out to AMEX travel online team and asked them to reschedule our flights on the next available flight but we were denied multiple time and were asked to pay an additional fees and fare differences in order for us to be booked on the next available flight. These fees and fare differences are only applicable when the traveler changes their plan but per the airline policy these fees and fare differences are not applicable when airline have to cancel their flights for any given reason. Eventually, we were able to return by catching the U.S government chartered flight but to this day I have not received my refund for the unused tickets ( return flight ). I have tried to dispute it with AMEX dispute department but AMEX travel online keep telling them that its a non-refundable ticket. Which is once again a miscommunication by AMEX travel because I even reached out to XXXX airways and they said that " we are eligible for a refund due to the present circumstances and the fact that the flight was cancelled by the airline. '' AMEX dispute department representative even called XXXX XXXX to verify this information and she was in agreement. Once, she confirmed I was then transferred to the AMEX travel representative in order to have my refund processed after being on hold for about two and half hour I was told that my refund was processed. This happened back in XXXX but today I received a message from AMEX dispute department saying that they received a communication from the merchant ( AMEX travel ) saying that the tickets are non-refundable. They have been constantly miscommunicating and refusing to return our due amount. It has been almost three and half months ever since we returned home and we are still struggling to get our money back. 
Our trip ID is : XXXX Record Locator : XXXX I would appreciate your keen investigation in this matter. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
This debit collector keeps calling me non stop everyday at not treasonable times. I keep my phone on just in case my daughter school calls so its on vibrate but i recently got a warning of my phone going off at work due to this company keep calling my phone back to back every 3 hours of the day. They called once before after XXXX. I have told them i do not know what this is but stop calling me because I work. I have to research to see what it was because they wouldnt tell me and I seen it was for debit collector which i do not know what for. I am being harassed by this company call CBE GROUP!!!! They keep calling from different XXXX numbers and I am really tired of them calling non stop! I have blocked every number they tried calling from and they keep calling over and over. I am sick of this and refuse to lose my job over this company. The phones calls must stop I am tired of them and i do not know who they calling on a behalf for. Its been almost two months and i am tired of the calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I contacted my mortgage company, Bank of America, back in XXXX advising I was having financial difficulty due to COVID-19. I was placed on a special forbearance for XXXX, XXXX, and XX/XX/2020. BOA advised via written correspondence they would contact me near the end of the forbearance to discuss options. In XX/XX/2020, I received additional correspondence advising BOA was unable to contact me and therefore they are extending my forbearance for an additional 90 days. To my knowledge, BOA never attempted to contact me. On XX/XX/2020, I contacted BOA to advise I was able to resume normal monthly payments as of XX/XX/2020, however was unable to bring the account current and requested options. BOA advised that my only options, offered by XXXX were a repayment plan or a loan modification. My understanding is that XXXX is offering a deferment option to all its customers and therefore BOA is incorrect in not offering me the deferment option.

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 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I opened an account with my wife, I gave Chase a {$16000.00} check and they had removed my funds on XX/XX/XXXX. On XX/XX/XXXX they had locked me out of my on-line account. When I inquired they stated they closed my account, no reason given. When I asked for my money back they stated they could not give it to me, that it would be mailed to me, which could take over a week. In the days of COVID money short how can they hold {$16000.00} of someone's money. It took them 1 day to get my money and 2 ( whenever ) weeks to return it. I have no reason why they will not accept my account nor any reason why I can not get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Cant Link my Business account which I need to do to fill out a Grant Application

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
Fortiva credit card uses deceptive practices when assessing late fees. If you make a payment on your due date but it happens to fall on a weekend or holiday the payment doesnt count and a fee is assessed. The same goes with their payment cut off times ; payments purposely do not post and fees are assessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
XX/XX/20 Notified Revolut that i was recieving my paycheck into my account as a direct deposit and that it was a large amount as they told me not to worry that it would be fine XX/XX/20 Tried adding monet several times with my card to my account with it failing and external bank never being sent an authorization charge, meaning it was never issued from the originating bank ( Revolut ) Causing the transfer to fail. 
XX/XX/20 account locked no response and paycheck now deposited into account and I have no way to contact support or find out when i can access the funds I need to be able to live

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On or about XX/XX/20 I contacted American Express to enroll in their program to transition my balance to an installment loan. The Covid 19 pandemic made it impossible to pay the entire balance off, due to my business being temporarily closed. The agreement that was made stated that the balance would be paid over 3 years at {$440.00} per month. This amount includes an agreed upon interest rate that is according to the fair market conditions. I specifically asked if this would be reflected in my credit report and was told that the payments and balance would reflect on my report ( s ). 
On XX/XX/20 I applied for a rental lease agreement and was denied specifically for a large collection account from American Express. Unbeknownst to me American Express had turned my account into a collection and not applied the two payments I had made according to the new agreement. 
American Express is charging off my account and then accepting payments on the balance with interest, and NOT reporting this to my reports. This is fraud in my opinion. Please investigate this, I am in dire need of help. I can not rent with this on my report and my be homeless in 6 weeks. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: NY

Complaint narrative:
Consistently having trouble with TransUnion when applying for credit. My XXXX  credit score is XXXX, XXXX XXXX, however TransUnion is XXXX and lenders are all depriving me of better rates due to TransUnion.

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 2020-07-10 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint number XXXX to remove and block these items.

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 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Im trying to connect my bank account to the program XXXX XXXX XXXX so I can receive the money I earn from them, but PNC says that an error keeps occuring.

Company response to consumer: Closed with explanation