vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I submitted a complaint with you - XXXX - I forgot to add my trans union credit report at the time. I would like to add it so that you can see what was on my credit at the time of a 35 point drop ( XX/XX/2020 ) I have since got a collection account that I paid off - but that happened on XX/XX/XXXX - which dropped my score again. 
My score dropping on XX/XX/2020 - There was absolutely NO reason. Trans union says they do not see why it dropped but will not give the points back.

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hello! I have an Ashley furniture companys credit card by synchrony. They have charged me {$1300.00} on my XXXX bill. Saying its 29.99 % interest for the whole amount then charged me additional interest of {$100.00} on my XXXX statement which I was told by the rep 2.4 % per month. So despite charging me the whole 29.99 % which is basically a 12 month interest they still kept charging me {$100.00} every month that is too much interest. They are driving people more to debt specially the way they do it. The agent I spoke too said I cant do anything about it because that is how they do their business. I wasnt aware and was very surprised. This store credit card has a very bad way of doing its business. I think it should be reported to you. You should not allow them to offer credit cards to their future customers this customers will be in debt because of this credit card company. I wanted to dispute this and to let everybody know not to get Ashleys furniture credit card or you will be in debt after their promotion. Before I got this credit card I was not even told about the way they do the promotions and the interest. I really am very disappointed I can say I probably will not be a future customer anymore including my family. I really like them but the way they do their credit card business is not right. I have a lot of store credit cards and that is why I am loyal to them but this is so far the first store credit card company that does its business this way. I think it is very unfair to do this. I hope you Guys can talk to them and have them stop their way of business.

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 2020-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COLLECTION COMPANY AND THEY ARE CORPORATING. Portfolio Recovery Associates claimed they investigated and verified the PRA accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. THIS company also states that sent its initial notification letters which is not true. We take compliance with all applicable state and federal laws very seriously. They reported incorrect addreses and name to the credit bureaus ( per credit bureaus ). They have engaged in harassing clients, failed to adequately cooperate, or engaged in misconduct regarding the relevant accounts placed with their company. I have sent them a copy of identity theft report by " FTC '' and no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-05-20 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-05-20 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: IL

Complaint narrative:
Chase Cardmember Services Fax : XXXX XX/XX/XXXX To : Chase Dispute Handling Team, Re : Account ending in XXXX Claim ID : XXXX Transaction Post Date Merchant Name Transaction Amount Dispute Amount XX/XX/XXXX XXXX {$130.00} {$130.00} Please re-open dispute investigation and credit my account for the above disputed charges. Your investigation revealed Chase reviewed information available. Your letter included the following resolution : No evidence of a billing error based on your research and information available to Chase. 
Pursuant to CFPB Regulation 1026.13 ( a ) ( 3 ) ( ii ) : Nondelivery of property or services. In conducting an investigation of a billing error notice alleging the nondelivery of property or services under 1026.13 ( a ) ( 3 ), the creditor shall not deny the assertion unless it conducts a reasonable investigation and determines that the property or services were actually delivered, mailed, or sent as agreed. 
I contacted Chase Customer Service on XX/XX/XXXX and was provided the below tracking number and updates pertaining to my purchase. 

I have not received my products and unable to contact XXXX ( Merchant ) directly. There is no known/published customer service number, website, or address for merchant. The merchant did not provide a confirmation or tracking update. 
Chase is in violation of not conducting a reasonable investigation. In conducting an investigation of a notice of billing error alleging an unauthorized transaction under 1026.13 ( a ) ( 1 ), actions such as the following represent steps that a creditor may take, as appropriate, in conducting a reasonable investigation : B. Reviewing where the purchases were delivered in relation to the consumer 's residence or place of business. 
D. Comparing any signature on credit slips for the purchases to the signature of the consumer ( or an authorized user in the case of a credit card account ) in the creditor 's records, including other credit slips. E. Requesting documentation to assist in the verification of the claim.

I would like a credit to my account in the amount of {$130.00} upon review. Please advise at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: FL

Complaint narrative:
I had XXXX XX/XX/XXXX at XXXX Hospital XXXX in XXXX XXXX, Florida, with anesthesia services provided by XXXX XXXX, XXXX ( XXXX ). The claim was sent to our health insurance, XXXX  XXXX, and we were found to owe {$1000.00}. We received a bill from XXXX for this amount, which we paid in full online on XX/XX/XXXX via American Express. On XX/XX/XXXX we received a collection notice for this service from Frost-Arnett ( XXXX ) in the amount of {$1000.00}. We explained at that time that the bill had already been paid in full. Since then, we have received 4 or 5 additional calls from Frost-Arnett attempting to collect on this debt that had been paid in full prior to receiving any communication from a collections agency. After contacting XXXX several times to correct this situation, we received a letter from them dated XX/XX/XXXX stating we had a XXXX  balance on the account and were assured that the issue had been taken care of. We received another phone call from Frost-Arnett today, XX/XX/XXXX, again attempting to collect on this previously paid debt. We would like for Frost-Arnett to cease and desist in their harassing attempts to collect on an already paid debt. Additionally, we are requesting a letter in writing stating that this debt collection attempt was made in error and will not affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-05-20 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
My Marcus.com ( GOLDMAN SACHS BANK USA ) account was locked after I initialized an outgoing funds transfer on XXXX XX/XX/2020 to another institution. I realized that the account was locked on XXXX XX/XX/2020 after trying to login online and immediately called the customer service line to in an attempt to have the issue resolved. After over 90mins on the phone, and being transferred to a " specialist '',  the matter was unable to be resolved. I was told that I would be receiving a call back in 24 hours.  This never happened. I subsequently called back on the XXXX and XXXX of XXXX only to be told both times by a specialist that the account was under review and it would take 24-48 hours to unlock the account. To date, the account is still locked. I am not able to access my funds and the funds have not been received at the other intuition that I requested the funds be transferred to. I have also never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
I have tried several times to obtain my tax information for my residence so I can complete my taxes from XXXX. I've called several times and the issue is not resolved. This information is legally required to be sent no later than XX/XX/XXXX. 

This is for Loan number XXXX from Loancare.

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 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I wrote and called and contacted Dovenmuehle on XX/XX/XXXX and to date, have received no response. At that time, the agent on the phone state they had not received my payment and that I would be assessed a late fee and credit report if I did not make a payment that day, even though my payment had processed on XX/XX/XXXX. She said I should make the payment and then it could be straightened out later. It is six weeks later, and Dovenmuehle still has not " straightened it out '' and my additional payments are not anywhere to be found applied to the principal nor that a payment should not be due until a later date. They have not responded to two emails, and when I call, I am told to write an email! So, I have had -0- response and am paid ahead by {$1000.00}. Dovenmeuehle does show all of the payments but does not show that they have been actually applied to MY MORTGAGE. Furthermore, they have he address of my property INCORRECT and they have not responded, nor corrected the address to reflect : XXXX XXXX XXXX- instead, it shows as XXXX XXXX. I have asked them to correct this three times, again- no response and no changes. 

Payments were made on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX as a direct result of your agent stating no payments had been received and I was past due for the full amount. 

XXXX XXXX This is a total of {$2700.00}. I am paid ahead XXXX Where are these payments?? Your amounts do not match nor has it been applied to my principal, nor does it state that XXXX amount is due. this is ridiculous that have had -0- response in six weeks. 

FIX MY BALANCE AND STATEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 XXXX I sent XXXX XXXX {$190.00} via CASH APP for a XXXX XXXX XXXX edition. The item and profile was listed on XXXX. The XXXX profile name was XXXX. She then proceeds to tell me package should arrive in a few days. a week almost passes and package never comes i then tell her to give me the XXXX  tracking number and it turns out to be invalid. I then tell her to send me my money back via CASH APP. She makes excuses and says it wont go through. I even requested it back and still it wont got through. I give her my XXXX info to send it through and she says it still doesnt work and tells me to make a email with password and send it to her. I have yet to receive my money and XXXX. I called XXXX who I bank with and they tried to despute the charge but They reversed it XX/XX/2020. XXXX said they cant help me with anything. CASH APP says they cant offer refunds contact the recipient, but that doesnt work either. XXXX XXXX CASH APP name is $  XXXX the mobile number used was XXXX XXXX XXXX XXXX XXXX. Plz help me my account is - {$200.00} I just want my XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
after maybe 3 months or so i finally was able to sit and thoroughly go through my bank statements which is when i did notice multiple un authorized transactions on my acct, i understand the time frame does lessen the validity of the claims but i have had more than {$20000.00} in this account which made it very difficult to try keeping up with purchase, each claim i filed you denied which makes me feel you didnt thoroughly investigate, prior to filing a claim i reached out to the merchants and were unable to resolve them, i provided you with the person name phone number and address for whom i believed made these un authorized purchases .Even took the precautions to get a new account number. the claim amounts were {$170.00}, {$41.00}, {$170.00}, {$200.00}, {$200.00}, {$1400.00}, {$170.00}, {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Spoke with Bull City and a rep by the name of XXXX on XX/XX/2020. Disclosed to her I could only pay one account at a time. I asked her when I paid the {$180.00} of the {$370.00} ( it is 2 accounts for {$180.00} a piece ) if it would be removed from my credit file was told yes. When I called was told not the case and I needed to pay the entire balance or it would not be removed. I did not get the paperwork from them only notice I got was when it hit my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from 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 2020-05-20 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from 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 2020-05-20 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: SC

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPT ED XXXX {$300.00} DPT ED XXXX XXXX {$53.00} XXXX {$370.00} XXXX {$180.00} XXXX {$1100.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00}

Company response to consumer: Closed with explanation