vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: MA

Complaint narrative:
I received a card in the mail which I never requested. It had no information with it other than my name. I saw that it was from Cash App. I tried to reach them and they make it very difficult. I tried calling the parent company, Square, and they also can not be reached by phone. I don't know if someone opened an account under my name or this is just a way to get new customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: NY

Complaint narrative:
My card was charged on XX/XX/20. The order was cancelled on XX/XX/20. Seller printed a label on XX/XX/20. The seller ignored complaints to the XXXX and the FTC. They only responded After a complaint was filed with the FBI.After to many emails to count, USPS did not receive the items until XX/XX/20. A second shipment was made on XX/XX/20. The seller informed the XXXX  that I would not be charged for either shipment, as per FTC regulations. Chase Bank refuses to credit my Visa card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: MI

Complaint narrative:
On XX/XX/XXXX I woke up to emails about my credit report from Transunion. I attached all the proper paper work that clearly states that they were wrong and had to delete incorrect things off my report. However, they took it upon their selves to report incorrect items on my report. I attached 4 different reports concerning my report such as incorrect balances on 3 students loans, and also an incorrect XXXX bill. The XXXX  bill was clearly paid in full and closed, they were just reporting the account open so now they listed it under bankruptcy how? Instead of removing like the law clearly states because you can't put incorrect thigs on a report, Transunion took it upon their selves to list theses following reports under bankruptcy. Now I might not be the smarted cookie in the pack, but I clearly know that is against the law. Plus I reached out to a lawyer which he clearly said that is fraud. I also asked for something in writing to verify the bankruptcy that they are reporting. I will attach the accounts that they call themselves listing under bankruptcy instead of removing for inaccuracies.. I also asked for a writing letter for the late payments of the student loans that they are claiming that were 90 days late. The slots allotted only reports a late payment in XX/XX/XXXX. The months before that they all report ok!. I have attached the 4 accounts that they have put under bankruptcy. If you all state that bankruptcy was filed 2 years ago how do you list new accounts under bankruptcy that never went to court. I will contact my lawyers as of XX/XX/XXXX. You all have until Monday to remove this off my report. I will not ask for anything else in writing to verify this so called bankruptcy that you all can not provide. I have written 4 times. and every time you all send something back as verified. I want it in writing how you verified and the name of the person who verified this.

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 2020-12-23 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: MT

Complaint narrative:
over the past 6 months I have been totally neglected by Transunion in regards to removing fraudulent information on my credit report. I was a victim of theft and they have not been any help. I have submitted my disputes along with the proper supporting documentaion several times. I spoke to someone this week and they totally violated the fora 605 b and did not act accordingly.

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 2020-12-23 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XXXX XXXX, 2020, MIDLAND CREDIT MANAGEMEN add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND CREDIT MANAGEMEN has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is for all three big business bureaus XXXX, XXXX, TransUnion. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX access information open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at XXXX and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the XXXX. Being alerted about. All they're doing is XXXX managing and catching defects here and there Play Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get streak app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding XXXX had and it did this in town the XXXX I have not received it yet I have a membership at XXXX  and XXXX  that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security

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 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is for all three big business bureaus Equifax, XXXX, XXXX. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX access information open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at XXXX and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the blackweb. Being alerted about. All they're doing is XXXX managing and catching defects here and there Play Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get streak app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding XXXX  had and it did this in town the XXXX I have not received it yet I have a membership at XXXX  and Equifax that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is for all three big business bureaus XXXX, Experian, XXXX. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX access information open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at 10 and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the blackweb. Being alerted about. All they're doing is XXXX managing and catching defects here and there Play Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get streak app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding Experian had and it did this in town the XXXX I have not received it yet I have a membership at Experian and XXXX  that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security

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 2020-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SLM CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX I mailed priority mail 2 cashiers checks to my bank, at their XXXX, Illinois post office box as directed by XXXX, one of their customer service representatives. 
The envelope with the checks was received on XX/XX/XXXX, and confirmed by myself and the bank via the post office tracking number. 
Checks were not deposited into my money market account, in a timely manner so I began calling to find out the status of my deposit. I have called several times, spoken to several reps at the bank, finally spoke to XXXX who issued what they call an activity report, case. 
Was told by XXXX, that all the mail delivered on the week of XX/XX/XXXX to the bank, was sent back to another location at the bank, and were redirected to their post office box on XXXX, which meant they would not be picked up until XX/XX/XXXX. 
Spoke to XXXX on XX/XX/XXXX, told they were being processed give it more time. 
Spoke to XXXX on XX/XX/XXXX, and was asked to mail a copy of the cashiers checks to the department that was handling the activity case, which I immediately did. 
Spoke to other reps in between and was told to be patient, because of covid they were working from home, and the fraud department was handling the pick up of checks. 
Spoke to XXXX on XX/XX/XXXX, because I was denied the ability to speak to XXXX one of their supervisors, he was busy, and would call back in a day or two. He apparently contacted XXXX, who called and after several calls back and forth was told that the checks were apparently lost, to put a stop on them, and get new cashiers checks. 
That would be fine and well, but I did not purchase these checks, it was payment for a legal settlement that was finally settled and the purchaser does not want to stop and re-issue the checks. I contacted my lawyer today XX/XX/XXXX, so he can call the other attorney and see what can be done. 
I have gotten nothing but the run around from these people, other than XXXX, who was been as helpful as he can be based on his position with the bank. 
This is causing me financial problems, but unneeded stress. 
I need to get this rectified as soon as possible.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MS

Complaint narrative:
Despite the fact that my mortgage is at an LTV of approximately 65 %, 5th 3rd bank force placed an escrow account on my mortgage, and has raised my monthly payments by over {$600.00} per month. I have a condo and all flood insurance and home owner 's insurance is collected through my HOA dues and paid by my HOA. I pay my property taxes myself directly to the county. 
5th 3rd force placed insurance on my property because they did not contact the insurance agent to get evidence of insurance when it was time to renew. Once I finally got that resolved, they stated they needed to set up an escrow account to collect for taxes for the year XXXX, due in XXXX. Again, this is despite the fact that I paid my own taxes in XXXX. 
I am in the process of refinancing, primarily to get the servicing of my mortgage away from 5th 3rd Bank. On my payoff letter, 5th 3rd is requiring payment of over {$3500.00} in XXXX property taxes that have not yet been billed, and that they are not going to pay, as they will no longer be the servicer on my loan. This has delayed closing on my refinance and cost me extra interest expense each day this goes on. They advised me to bring the additional $ XXXX to closing and they will supposedly refund it to me. DO NOT USE 5th 3rd Bank for your mortgage needs, or any lending need!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
In XX/XX/2020 I began the refinance process with multiple lenders in an effort to secure the most advantageous terms. 

Prior to closing, on XX/XX/XXXX, Freedom Mortgage ( FM ) agreed to match terms of a competitor and include an additional {$500.00} lender credit. 

On XX/XX/XXXX I closed a refinance with FM. I did not see the {$500.00} credit on the closing documents. I asked FM, prior to signing, how they would resolve this. FM responded, letting me know that they could use the power of attorney included in the closing documents to make the {$500.00} change, or they could send me a debit card for the {$500.00}. 

Neither of these have occurred yet. 

On XX/XX/XXXX, after I followed up with FM, they let me know they would send the {$500.00}. 

On XX/XX/XXXX, after I followed up with FM, they let me know they would send the {$500.00}. 

I still have not received the {$500.00}, or a lender credit for {$500.00}. The most ideal outcome for me would be to have a {$500.00} payment directly applied to my principal payment. But honestly with all of this " run around '' I'll take the {$500.00} as a debit card, lender credit, or whatever is appropriate.

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 2020-12-23 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
The acct opened in XX/XX/2019. I received the bill and it was way over the amount of services from the beginning at over XXXX. I disputed the amount was brought down to {$920.00} of which I paid in full. I was recovering from XXXX and need some detail work after treatments. I later pulled my detail charges and found that the original balance I should have paid was {$550.00} XXXX XXXX ) .The other charges were for a different XXXX that has already been paid in full as well in the day of service. XXXX XXXX XXXX has since closed my acct, sold it to Resurgent, and stating that I still owe {$260.00}. How can that be if I overpaid them in the first place. I have proof and I can not get an answer from either of them on how they plan to correct their error. I have been turned down for 2 credit cards and can not get my home refinance with this incorrect information on my credit report of which they refuse to remove. I have placed a dispute with XXXX  and it will not be settled until XX/XX/XXXX but I do not have that kind of time because I have 90 day to get my home refinance or I have to sell it by court order. I have been trying for over a month to get this issued resolved and I can do without this stress and XXXX  since I am still recovering from XXXX and XXXX. I am on a time crunch and it seems that they have no intentions of changing the false report they created. Not only did I over pay {$360.00} they sold the account to a debt collector that is charging me another {$260.00}. This is is devastating, very stressful during what should be a happy time, and time consuming to file all of these complaints and all they needed to do was the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In early XXXX, 2020 I contacted Bank of America ( BOA ) Customer Service by phone regarding a Monthly Maintenance Fee of {$12.00}. that was charged to my account XXXX times for a total of {$60.00}. The Customer Service rep refunded me {$36.00}. and {$24.00} on XX/XX/2020. She told me I need to have a balance of {$1500.00}. in the account to avoid further Monthly Service Fees. On XX/XX/2020 I transferred {$800.00}. into the account bringing the total balance in the account to {$1500.00}. In early XXXX I contacted Customer Service and them I wascharged twice again for for {$12.00}. each tototalling XXXX On XX/XX/2020 Customer Service refunded me {$24.00}. After that I wasagain charged {$12.00}. XXXX times for Monthly Maintenance Fees totalling {$48.00}. ( XXXX, XXXX, XXXX and XXXX XXXX. I contacted Customer Service on XX/XX/2020 and spoke to XXXX Customer Service reps who refused to refund my overcharged fees of $ XXXX then transferred {$50.00}. into my account so the balance is {$1500.00}. I am confident once someone of authority at BOA sees the facts they will credit my account the {$48.00}. they owe me. 
Thak you.

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 monetary relief
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I can not get past automated menus at BMO Harris Bank @ XXXX XXXX XXXX XXXX in XXXX where the fraudulent {$5000.00} usd withdrawal took place On XXXX XXXX Dont know if they could help me, still working to get this fixed. But I know they cant help me if I cant get a human on the phone

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 2020-12-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
The account in question in discussion is Toyota Motor Account # XXXX the issue at hand is a late in XX/XX/2020, I was unable to make a payment due to Covid-19. When I was able to I did make the payment immediately.

Company response to consumer: Closed with explanation