vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My case # XXXX Today I sent in SBA loan documents with my name to prove ownership of the funds that you are currently withholding from me and the CPA letter from a certified accountant that files my taxes every year. I need the remaining balance of {$22000.00} released. I have to pay these funds back to SBA. The funds that you have been holding has been held by your bank since XXXX and I already talked to SBA about this matter they said you do not have the authorization to hold onto my funds. These funds are needed to keep my business afloat. Please release my funds that are rightfully owed to me. Ive been going back and forth with different representatives in the executive office for months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: PA

Complaint narrative:
The company ( XXXX XXXX ) manages the EPICCard system in a number of states. EPICCards provide a " direct '' way for child support to be transferred from states to families, and is encouraged as " an easy and fast way '' to get child support money. My XXXX  run Mastercard Debit Card for Pennsylvania child support ( EPICCard ) has very inconsistently been accepted for purchases over the past few months, despite the fact that it has a very large balance on it ( I am able to check this by phone on their helpline, online in my EPICCard online account, and also on the PA Child Support online system ). As a result of this, I have decided to transfer my EPICCard balance to my bank account, and have switched all of the rest of the payments to direct deposit. 
XXXX XXXX  makes it nearly impossible to transfer funds from your EPICCard to your bank account ( and currently that direct phone number ( XXXX, the number is listed both online and in the EPICCard debit Card Agreement ) is out of service so you can not do it at all ). Customer service is negligible at best. You can not contact customer service online with questions. If you search online you will see that multiple other people have had issues with this company. It is very difficult to get a human on the phone service ( phone number XXXX ; there is no selection for it so you have to let the automated phone number run through all the initial options 4 times before they connect you, then wait over an hour ), the personnel do not know how to handle complaints, and they hang up on you/allow the call to drop or transfer your call to a different company that states it can not handle the complaints. I have contacted them multiple times ( multiple times to the automated number in the two weeks prior to XXXX before I learned online how to get a person to answer the questions, to a human being on XX/XX/2020, and to a XX/XX/2020 twice ) to ask how to transfer the remaining balance on my card to my bank account without success, I tried to go directly to my bank ( XXXX, which is listed as a bank that you can do the funds transfer at ) and transfer the funds off the card today ( XXXX ) but it was denied even though I had checked the remaining balance remained high immediately before walking into the bank. I was told during my latest call with the company help personnel ( by a supervisor named XXXX ) that there was a state-wide outage of the card in Pennsylvania ( the card worked for purchases in multiple stores today, unlike 50 % of the times that I have used it, so I do not see evidence of an outage ) and that he would advance my information above [ his ] paygrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
There are medical things on my report yet i have Medicaid and have no medical balances owing. Some credit card accts are not mine and i need to dispute them. How can i despute these accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: MI

Complaint narrative:
I've been attempting to dispute a creditor that is negatively reporting on my credit report. I've sent multiple letters to the bureaus as well as directly to the original creditor to no avail. I used the contact information for XXXX XXXX listed on my credit report to contact them and my letter was returned undeliverable. I followed up with the supporting documents and the bureaus are still reporting this negative item on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: MI

Complaint narrative:
I've been attempting to dispute a creditor that is negatively reporting on my credit report. I've sent multiple letters to the bureaus as well as directly to the original creditor to no avail. I used the contact information for XXXX XXXX listed on my credit report to contact them and my letter was returned undeliverable. I followed up with the supporting documents and the bureaus are still reporting this negative item on my 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
Consumer complaint received 2020-11-02 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I charged {$5500.00} with XXXX XXXX Mastercard Credit Card. 
There was a promotion of no interest charges until XX/XX/XXXX. On XX/XX/XXXX I mailed in my last balance of {$1000.00}. I was paid in full. 

Now, they are charging me {$370.00} in interest charges because I paid of the card 15 days after. I understand if they charge me interest for 15 days for {$1000.00} but they are charging me interest for the total amount. 

I think this is not fair and I am asking for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XXXX I mailed out a dispute to XXXX, TransUnion and XXXX. I included a legible copy of my ID, SS card and proof of my mailing address. I mailed my dispute letters via certified mail and I did receive a confirmation that they were received by TransUnion on XXXX and XXXX  on XXXX. But to date, I have not received any response from TransUnion or XXXX. I would really like to know : 1. What is the status of my disputes received by TransUnion and XXXX? 
2. Why have I not received a response to my disputes?

3. When will I receive a response to my disputes?

4. What recourse do I have since I did not receive a response in a timely manner? 
I know with COVID-19 that there may be some delays, but at this point it has been more than 2 months and I think that I should have received some kind of update by now since I know I am supposed to receive a response within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 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: NJ

Complaint narrative:
To whom it may concern, I was recently looking at my credit report as I was thinking of making some home improvements. There are a few inquires on my credit report that are 100 % inaccurate and never authorized by me. These are all fraud and were never signed by me. I never signed any documents with any of the following companies and do not know anything about any of this other than wasn't me. Someone tried to steal my identity. According to my XXXX XXXX it says on transunion I tried to apply for premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and on XXXX  also is showing premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and a company XXXX XXXX XX/XX/XXXX. I am also being hit with a late fee from my car dealership. I had spoken to thing months ago when covid happen. I had been a loyal customer for over 10 years. To make a long story short they had said they would remove the late fee due to covid and as curtsy to me for being a trustworthy customer. When I called them today that had nothing in there notes which is one of the reasons I came to you guys to resolve and help fix all this negative stuff.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I tried to close a loan with QuickenRocket Mortgage, loan officer quoted rate and points for the rate and all was agreed to disclosed too and locked. A few days later I got a updated Loan Estimate with a higher origination fee blindly with no contact from the processor explaining why ( never had any contact with their back office via email, phone or app ). I called their Loan Officer to find out about the higher origination fee and on a recorded line he told me that it was a mistake not to worry about it and he would get it reduced back to what was agreed upon and a new disclosure sent out he also advised me not to acknowledge the LE with the higher amount so that is what I did. 21 days later right before the closing I am told I am sorry that the higher origination fee was correct all along due to a lien that was placed on my title without my knowledge. Clearly Quicken Loans new of the lien when the new LE was sent out 21 days earlier. When I called in to find out what the higher charge was about I was given misleading and incorrect information and that I did not need to worry about it. The difference is about {$3800.00} and to find out you owe an extra {$3800.00} in closing costs days before closing after the loan officer of record told you not to worry about it that it was a mistake and he would get it corrected seems like bait and switch. I tried to escalate all the way up to the CEO XXXX XXXX but they said there was nothing they could do. This seems very unfair and deceptive in nature and not how lenders are supported to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: IL

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are 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 2020-11-02 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: IL

Complaint narrative:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are 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 2020-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've filed disputes onXX/XX/20,XX/XX/20, XX/XX/20, with XXXX  and on XX/XX/202 with XXXX  and TransUnion in regards to the inaccurate information being reported across all 3 beaus which have caused my scores to decrease for months. I've reported several times but the results were said to be accurate. some accounts were charged off on my credit report but yet it's was still being reported as open and past due. one account is XXXX  XXXX which is reported as past due for {$490.00} but it's in Collection. Another is for {$1000.00} with XXXX XXXX but had been charged off but was yet being reported as past due. another is XXXX XXXX reporting inaccurate info across 3 bureaus posting an {$470.00} account as in collection on one beau but reoprting the same account on other beaus as closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I've filed disputes onXX/XX/20,XX/XX/20, XX/XX/20, with XXXX  and on XX/XX/202 with XXXX  and XXXX  in regards to the inaccurate information being reported across all 3 beaus which have caused my scores to decrease for months. I've reported several times but the results were said to be accurate. some accounts were charged off on my credit report but yet it's was still being reported as open and past due. one account is XXXX  XXXX which is reported as past due for {$490.00} but it's in Collection. Another is for {$1000.00} with XXXX XXXX but had been charged off but was yet being reported as past due. another is portfolio recovery reporting inaccurate info across 3 bureaus posting an {$470.00} account as in collection on one beau but reoprting the same account on other beaus as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I wrote to Caine & Weiner on XX/XX/XXXX of 2020, notifying them that I am disputing the debt they are trying to collect. I requested in writing that they verify the debt as required by the Fair Debt Collection Practices Act, and that they do not contact me about this debt aside from verifying the debt. The company has not verified the debt, and has not desisted contacting me and other members of my organization about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XXXX I mailed out a dispute to XXXX, XXXX and Equifax. I included a legible copy of my ID, SS card and proof of my mailing address. I mailed my dispute letters via certified mail and I did receive a confirmation that they were received by XXXX on XXXX and Equifax on XXXX. But to date, I have not received any response from XXXX or Equifax. I would really like to know : 1. What is the status of my disputes received by XXXX and Equifax? 
2. Why have I not received a response to my disputes? 
3. When will I receive a response to my disputes? 
4. What recourse do I have since I did not receive a response in a timely manner? 
I know with COVID-19 that there may be some delays, but at this point it has been more than 2 months and I think that I should have received some kind of update by now since I know I am supposed to receive a response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: OR

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: MD

Complaint narrative:
On XX/XX/2020. I mailed a letter to experian demanding that the XXXX XXXX account be deleted from my credit file immediately because the balance and date of last payment is currently being reported inaccurately. The balance is incorrectly being reported at {$150.00} and the Date of last Payment is being reported as XX/XX/2020. BOTH OF WHICH IS NOT TRUE ... ..NOT ACCURATE ... ..THIS IS FRUSTRATING!!! At the conclusion of Experian 's investigation, on XX/XX/2020, Experian has chosen to let this inaccurate information remain on my file and continue to report this negative/inaccurate information in spite of me sending in physical proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a checking account with the intentions of receiving a promotional {$400.00} bonus. I did everything correctly and opened the account according to all the requirements. However, they never paid me the promotion. I called them and opened a inquiry. They wrote back to me stating I didn't meet the requirement, " Having no other promotional bonus applied to your account within a 12-month period. '' This is simply not true though. My records state I received a promotion from them in XX/XX/XXXX. By the time I met the {$4000.00} direct deposit requirement it would have been XX/XX/XXXX. This is more than 12 months. No where in their terms does it state that the customer cant have a bonus in 12 months at the time of opening the account. Once again, because after I met all the requirements it had been more than 12 months. The terms state " Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days. '' Again, I signed up for the account on XX/XX/XXXX and the qualification period, 90 days, would have been XX/XX/XXXX. This is well beyond the 12 month mark set back in XX/XX/XXXX. If Wells tries to say it has to be 12 months from account opening, I would like to see how this is derived from their ambiguous terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
During the month of XX/XX/2020 I was notified via an attorney letterhead implying they were representing Portfolio Recovery Associates and attempting to collect a debt. There were no legal filings prior to this written notification. This places Portfolio Recovery Associates in violation of U.S. Code 1692 of the FDCPA, and renders them ineligible to be now considered as a " debt collector ''.

Company response to consumer: Closed with explanation