vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: PA

Complaint narrative:
On Monday XX/XX/XXXX I responded to a Discover Card advertisement for 0 % APR financing ( 14 months ) for a credit card and loan consolidation program, so that I could refinance my debt under those terms. I outlined the quantity of money that I would need to borrow and submitted my application. 
On Tuesday XX/XX/XXXX I received an email notifying me that I was approved for a credit card with a credit limit substantially below the amount requested for approval. Despite not being approved for the amount requested, a credit card was opened in my name for the lesser amount. 
On Thursday XX/XX/XXXX I called Discover customer services and spoke with ( 5 ) individuals across multiple departments regarding this issue seeking the following resolutions, a ) to have the erroneous credit card account closed and removed from records b ) to have the approval honored for the quantity requested or c ) to have the account flagged to avoid shut-down due to inactivity. I was informed by all representatives that there was no action I could take that would not result in me either having to use their credit card on a regular basis or hurt my credit score by shortening my average account length by canceling the card.

Given that this personal loan and credit card was requested together as part of a promotional offer by myself for a specific purpose and amount, and was then approved for a lesser amount with an inability to fulfill that purpose, and that discover card has provided me with no alternative for redress, I am hopeful that the CFPB might help me in resolving this issue and additionally to help future consumers by providing guidance on steps which can be taken in situations where-in individuals apply for one thing and are provided with something else by a financial institution without resorting to harming ones own credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CA

Complaint narrative:
I had my credit checked today XX/XX/2021 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I suspect that these accounts belong to someone with a similar name. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a small business owner that have been affected due to Covid-19. Before Covid-19 I have been making payment to my Chase Business card for about three years. In XXXX I was able to make my last payment then on XXXX XXXX, 2020 ; I got very sick that had to go to the hospital for the second time on that same year. They kept me at the hospital with XXXX medication then I was XXXX. I was home sick for more than 3 weeks. By mid-XXXX of 2020 ; I called XXXX to asked them to give me a lower interest rate or lower my monthly payments to be able to afford the payments. I explained that my business was affected severely as my prospect clients were affected as well. Despite all the efforts thru phone calls and letters that I uploaded into their system on the credit card message. No one at chase was able to help me by at least closing the account lowering the interest payment and making a payment plan. My original balance on XX/XX/ 2020 was {$29000.00}, the last payment I made was XXXX 2020 for {$710.00}. Then my balance went up just for interest and charges to {$32000.00} with a monthly minimum payment for {$800.00} while the pandemic. I had to borrowed money from family and friends to pay some bills that I was able to afford ; between working and borrowing money I have been able to put food on my kids table and keep a roof trying to make ends meet. Due that Chase reported my business account into my personal credit report. If I do not fix my credit score, I was told by the wholesalers ' lenders that I must keep a decent credit score to be able to do business with me. I am a one stop shop men that wears all kind of hats trying to survive during this pandemic. Small business like mine ; I feel we were left behind while big corporates were able to be bail out or give free money to keep going. 
On the credit card page, they had a link to request help for Covid-19 ; however, I clicked on that link but the link took me to the same credit card page from Chase. 
When I requested help over the phone the customer representative stated that closing my account and {$800.00} per month was my relief due to Covid-19. 
The latest phone call that I received is that they are going to put my credit card as a charge off. I want to make payments but can not afford at this moment what they are asking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had open a checking account in XXXX, Minnesota. The account was over drawn by myself at first as I was homeless. I would pay the {$35.00} fee plus the amount of the check. The problem was a banker said the checks went in the same day within minutes but the company XXXX said it was taken by law enforcement. The checks I put in to help cover the amount was not the same as a regular checking company. So a woman from XXXX XXXX banked locally in XXXX, Minnesota and her bank check was from some other banking company she never heard of. Then people claimed I was rich online recently when I am poor. I found out in XX/XX/XXXX the bank cleared checks from " XXXX  XXXX XXXX  '' that was in my account. I also discovered that the account was all payteck fees and I was hit several times. The checks go in constantly and are bounced but I get hit with payteck like 3-4 or more times per check. Under Iowa laws it's legal but in Minnesota it's not legal. I moved to Minnesota in XXXX so I was a legal resident.

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 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Jet Direct Funding Corp
State: NY

Complaint narrative:
I am writing this complaint about this mortgage company called Jet Direct Mortgage. I applied for a mortgage with them since XX/XX/2020 and it took them forever to work on the case, very unprofessional and incompetent. In the end, I ended up losing the deal and wasted time and money at their fault. 

The loan processor and also branch manager ; XXXX XXXX couldn't even do a simple Debt to income ration calculation and kept on telling me I wasn't qualified for the loan meanwhile the formula is everywhere and I was more than qualified. 

My complaint is all together I have lost more than {$2000.00} attorney 's fee etc ... what action can I be taken against them? Also should someone that can not even do a simple DTI calculation be licensed to do this job? XXXX knows how many people she has turned down and make waste time and money which are two things we value.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One lied and did not remove the negative impact to my credit report. 
They are also trying to put my business credit card past due again, despite us being shut down due to Covid and confirming that they would via email.

So in 7 days I will get ANOTHER False negative report on my credit. I'm very upset that I'm being treated this way and they are sending me false letters and not followingthrough with what they say and negativly impacting me. 

This caused me to be unable to refinance my properties as well as get a home loan due the negative flags on my credit in 2020 after 8 months of calling this is still an issue. 

They have consistently refused. 

This is the original Complaint ID : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CA

Complaint narrative:
I wrote a letter to the consumer reporting agency on XX/XX/2020 disputing an account that is reporting on my credit file. The consumer reporting agency stated that they investigated and the company XXXX XXXX account # XXXX verified the information as accurate. I received a letter from XXXX XXXX on XX/XX/2020 which they clearly states they are unable to locate a record of the account I requested debt validation. This company has did not do its due diligence in investigating.

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 2021-01-29 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: NV

Complaint narrative:
These are not my accounts. This is a second request. Please remove it from my credit report. 103 Claims true identity fraud/account fraudulently opened.

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 2021-01-29 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: NV

Complaint narrative:
These are not my accounts. This is a second request. Please remove it from my credit report. 103 Claims true identity fraud/account fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I contacted XXXX  because I am looking for a house to move into. I sent my contact information through their site. I later received a text from a gentleman who claimed to be the owner of the property. When I arrived at the location, I had to go through extra security steps to open up the lock box to obtain the key. I went through rently.com. After viewing the property I was asked to submit a rental application which I did. I then signed a lease agreement, paid a deposit of {$830.00} and was advised to take the key as I would be paying my first rent payment XX/XX/21 to move in which would be an additional {$1000.00}. I was contacted later on that down by the real realtor of the property who informed I had been scammed. I tried to dispute with XXXX as I have proof of everything but they are not willing to credit me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting an erroneous debt on my credit file. I have been disputing an account with Express Recovery for a hospital visit with the University of XXXX. When I noticed this debt, I called and settled it immediately. I was told that this account would be removed from credit but they have not removed it. It's been months of me trying to get them to remove a PAID collection! Not only has this been settled, I never signed a HIPPA patient release form allowing Express Recovery to report this debt on credit. This is a HIPPA violation and needs to be removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 HONDA FINANCE CORP
State: CA

Complaint narrative:
This isn't denying the debt debt but to report that American Honda Finance is reporting inaccurate and inconsistent information across all three credit bureaus which all information being reported to the credit bureaus must be 100 % accurate. Numerous violations are in place and even though American Honda Finance is not a debt collector per the FCRA all information being reported must be 100 % accurate which is a fine of {$1000.00} per violation. XXXX  and XXXX  reports a high balance of {$16000.00} while reporting {$12000.00} on XXXX. This inconsistent reporting is hurting my credit score and even causing me to get higher loan rates by having a higher debt ratio on my report by when loan officers compare my income to debt ratio it'll look higher at {$16000.00} vs if it's indeed {$12000.00}. This reporting also has caused me to get denied job opportunities by XXXX and others by having inconsistent information on this account and having charge off payments being reported when it's not supposed to once the account is closed no late payments are suppose to be reported per the FCRA. The Date Of Last Activity for XXXX  shows XX/XX/XXXX while XXXX  shows XX/XX/XXXX and XXXX  showing XXXX. This account on XXXX  and XXXX shows a later date of last activity which is inconsistent with all three bureaus and is in violation with the FCRA by the accounts would be ILLEGALLY re-aged on how long they would stay on the report. If all three credit bureaus are getting their information from the same creditor how is it that they're all reporting inconsistent information. XXXX  shows this account was an auto loan when in fact it's an Lease as shown with XXXX  and XXXX, The payment history across XXXX  and XXXX  are both inconsistent and shall show with the attachment highlighted. 




I've disputed this account previously back on XX/XX/XXXX and the creditor bureaus and experian did not update the date last date Verified which is a violation with the FCRA by which they're suppose to update the account each time when the file is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
As suggested by Citizens bank manager, replaced mortgage with HELOC ( XXXX ), and twice with new HELOC ( XXXX, XXXX ). HELOC at 4.99 %, XX/XX/XXXX. 
Applied for 2.75 % mortgage with XXXX XXXX  to replace Citizens HELOC Mortgage application blocked, " prior Citizens loans paperwork not completed '' Managers at both Citizens and XXXX XXXX  unable to obtain information needed to from Citizens in order to complete the application. 
Lacking a successful outcome or reply from Citizens administration, I paid XXXX XXXX  attorney fees and title search fees. 
Letter to Citizen CEO, responded within days with completion of required paper work -- after 9 months and considerable expense. 
I requested reimbursement of my expenses, payment to Mortgage bank for their legal work, title search, difference in interest rates loan, professional time. 
Discussion with Citizens administration office. They flatly refused to reimburse my expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: NC

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and needs to be resolved.

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 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AVANTE
State: TX

Complaint narrative:
In XX/XX/XXXX my husband purchased from XXXX a zero turn lawn mower XXXX monthly zero interest XXXX beginning balance. paid on time all of XXXX found out husband was ill last part of XXXX still made payments in XX/XX/XXXX i paid the XXXX payment monthly plus an extra payment XXXX so total XXXX monthly I did this every month till XX/XX/XXXX then went back to making XXXX then increased it to XXXX I admit when my husband had his double XXXX transplant we got behind a couple months made those up had a couple NSF made those up also. Then XX/XX/XXXX I had it paid down to XXXX XX/XX/XXXX I made a payment XXXX from a bonus check i had gotten then on XX/XX/XXXX I made a XXXX payment to pay the loan in full the first part of XX/XX/XXXX I received a letter from XXXX that stated my husband loan was paid in full as of XXXX then nothing went on with life on XXXX two men showed up at my door at XXXX XXXX  and said they were with XXXX and was repo my lawn mower i advised them it was paid off he called a man named XXXX that said he was with XXXX come to find out he was with Avante USA in XXXX never MM me or verified who I was was rude would not listen to me then the next day XXXX a lady from Avante called my husband her name was XXXX said she had talk to me in XXXX and I had set up payments XXXX a month which is not true so there again they disclosed my personal information to someone so I sent them bank statements and talk to XXXX at Avante he sent me payment history that does not reflect have of my payments I reconciled it with bank statements I have been embarrassed called a liar and harassed also they have violated FDCPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: VA

Complaint narrative:
I have received multiple calls from this company. Each time there is a warning that this is a " Robo Call ''. They leave a message saying they are a debit collector and to call back. There is not other information. I called back asking for them to mail documentation. They asked for verification of who I am. Not sure why they need to know to mail documentation to me. I hesitate to say who I am because of the " robo call '' warning. She was extraordinarily rude and unprofessional. I asked again for documentation. Until they do that I asked for calls to cease. She said " If I am XXXX  why don't I just verify that and she can tell me what the debit is '' When I explained I wanted it in writing she hung up on me. I called back another person answered. He basically did the same thing. When I search the number it says it is Paragon Revenue Group. Many of the reviews describe similar experiences. I get multiple calls a day every day of the week. When I told the first contact that I was filing a complaint with the attorney general she became even more unprofessional and disagreeable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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:
I had my credit checked today XX/XX/2021 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I suspect that these accounts belong to someone with a similar name. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.

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