vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is in violation of the FCRA by taking over 45 business days to respond to my letter. I sent a certified letter with return receipt to Transunion on XX/XX/2020 about an account in collections that I did not recognize and asked them to remove it from my credit report because it is unknown to me. I have never done business with this company ; I never signed a contract with this company. As of XXXX XXXX, 2020, I have not received a response from Transunion regarding my letter. Transunion had 30 business days plus an additional 15 business days because of the pandemic to investigate this and it has been well over this time. Additionally, this unknown accounts status was never updated as in dispute. According to FCRA section 623 ( a ) ( 4 ) [ 1681s-2 ] If a consumer reporting agency is notified that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Transunion has had more than enough time to investigate and not only have they not deleted this account from my credit report, but they have also failed to respond in the required time allotted.

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 2020-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX, {$1000.00}, XXXX, XXXX XXXX has sold Lvnv Funding a debt that effected my credit score. I contacted XXXX  XXXX and they will not release any itemized statement or fine print to established this debt nor LVNV Funding.3 and half years, I disputed the debt was not mine and asked for it to be removed and deleted off my credit history. Now they are moving this account through all 3 Credit Bureaus which is hurting my credit score and costed me lot of wasted time. I sent police report of identity theft to all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They said they took it off but didn't. The picture that was uploaded are from site that have my name and information but my sister XXXX XXXX or XXXX XXXX XXXX picture. On her information my XXXX is listed which I have no access to. I only go by one last name since 2015 and that my married name XXXX. XXXX is my madam name and I don't use that at all. My ID and social security card that had XXXX on it was stolen

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 2020-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
XXXX XXXX {$850.00}, I sent numerous dispute and letters of resolutions that this is not a accurate debt and not mine. They illegal billed my wife insurance and then removed the debt back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE 1 INCORPORATION
State: MI

Complaint narrative:
Company is using predatory tactics to generate fees. Company refuses to forward statements to home address, and then piles on fees as a result. 

We put in an official change of address, but company refuses to recognize change. Since we dont get any statements and notifications by mail, fees pile up. 

They refuse to remove fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: MI

Complaint narrative:
Asked for increase, which was refused for reasons not explained properly. Card payments were never late. card company refused to pull credit ( it is excellent ), and credit department rep. said mother XXXX of XXXX XXXX. 

CFPB needs to investigate Discover, i believe they have blaklists or tainted cardholder lists. my request get teated unfairly, while my wife 's do not. she gets points automatically, i do not. She gets increases automatically, I do not. 
These are tough times, but no one needs to tell me about Covid 19 at Discover. Just issue the increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My credit card was charged with transactions that are NOT mine. Mostly in the form of cash advances which I don't use. The bank has declined my dispute, please help me. TD is not protecting my credit / funds and it is destroying my credit and spending money I dont have. They have told me It is my responsibility to request camera footage from bank ATMs. I need guidance so this stops and to recover from the fraudulent transactions. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My father, XXXX XXXX XXXX and I have an account together. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX broke into our home, stealing the keys, checkbooks, banking statements and other personal information. They are not included on none of my father 's banking statements. They were never XXXX  XXXX. They should not be accessing personal information. Wells Fargo bank has allowed XXXX XXXX, whom is not a legal guardian, who does nothing for My father, who is not his daughter, to access personal banking information. These people are not even his children and they are not included on birth cerificates. Wells Fargo was supposed to wait until my father got home from rehabilitation to receive a new card. Wells Fargo also changed an account number that they were not supposed to. my father was shocked when he heard that the XXXX number was changed. My father and I are on several accounts together. You can call to certify that at this time. We need to sign, additional, documents.

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 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i have filed a dispute in regards to the incorrect itemson my credit report. it has been well over 30 days and i have not received any investigation results. 

following inquires on report not recognized and disputed XXXX  XXXX date:XX/XX/2020 XXXX XXXX date:XX/XX/2020 XXXX XXXX date:XX/XX/2020

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 2020-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: OR

Complaint narrative:
Called their customer service phone number Tuesday XX/XX/2020, XXXX, to change the dates which my payments would get withdrawn from my account as it would overdraw my account since I just started a new job. The customer service representative told me steps to go through to change the autopay functions via the website and those steps were nowhere to be found. I am now over {$600.00} overdrawn from this company and another. I really just want the XXXX Covid stimulus bill passed through Congress.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
On XX/XX/2020, I spoke with Southwest Credit Systems XXXX XXXX XXXX about my debt balance of {$420.00} that was originally a debt with XXXX. I explained to them that my information should not have been transferred to them because the debt was with XXXX. However, Southwest Credit Systems agreed to pay for deletion in the amount of {$210.00}. I paid the {$210.00} to settle and have the debt removed but the debt is still listed on my credit report as negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: Credit Plus Inc
State: TN

Complaint narrative:
On NXX/XX/2019, CREDIT PLUS add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Lease was 24 months 15000 miles per year ending XX/XX/2020. Ally advised me by letter that the lease was being extended through XX/XX/2020 due to Covid19 and that I would not be billed and would receive mileage for the period. I did not want vehicle since I already leased a new vehicle and did not want to insure the Ally vehicle passed the lease contract date. Ally and the dealership refused to assist and forced contract extension. I ultimately returned vehicle in late XX/XX/2020. I was subsequently billed for the two months that exceeded the lease contract date and for mileage that was fictitious and fraudulent. Ally also sent me a BLANK odometer reading statement asking that I sign and return ( this document should have been signed when i physically returned vehicle and should have been filled out by Ally ) ; I refused to sign this document. I subsequently filed a complaint with the XXXX XXXX XXXX and the XXXX XXXX XXXX ( Ally is HQ in Michigan ). I have never gained relief and that is why i am filing this complaint. The lease was honored by me and paid on time for the contracted term ( 24 months ) and the mileage did not exceed the XXXX. The amount described by Ally is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2019, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: CORELOGIC INC
State: TN

Complaint narrative:
On XX/XX/2019, XX/XX/XXXX add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2019, XXXX XXXX XX/XX/XXXX add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2019, CREDCO add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

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 2020-11-27 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: FL

Complaint narrative:
Chase Bank says I have a bank card with a {$6000.00} limit. They said they know this through credit reporting. I do not have this card. " They '' XXXX from level support 2 told me to cancel it myself. I have other credit cards so I do not know why this is the only one they are " monitoring. '' This is a fraudulent card. They said I opened it up in 2018. I did not open up any credit cards in 2018. I also have a temporary credit freeze for new accounts. They say it is a CBNA card. They say there is {$180.00} on the account. The number I called is XXXX at XXXX XXXX this morning XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian is allowing XXXX XXXX XXXX to report past due balances on my credit report when the account in a Chapter XXXX. Experian is reporting a balance of {$270.00} and late payments for this account. I have disputed this account at least 5 times and Experian refuses to remove it or make the creditor report a {$0.00} balance like all the other creditors in my Chapter XXXX.

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 2020-11-27 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: Knight Adjustment Bureau
State: WI

Complaint narrative:
XXXX is allowing Knights Adjustment Bureau to report past due balances on my credit report when the account in a Chapter XXXX. XXXX  is reporting a balance of {$270.00} and late payments for this account. I have disputed this account at least 5 times and XXXX  refuses to remove it or make the creditor report a {$0.00} balance like all the other creditors in my Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I applied to american express business card. It never stated they would perform a hard inquiry on my credit. It stated there would be no affect to my credit score. After i submitted the application a hard inquiry was performed and i was denied. This is misleading business tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX I tried to make a wire transfer for {$20000.00} and the bank cancelled it for security reasons. 
When I called to have it unfrozen, they asked to verify my identity with questions. Some of them I could answer, some I couldn't because the pandemic and subsequent quarantine caught me in XXXX for family reasons and I do not have all my records on hand. 
That caused them to freeze my online access to my account. After countless hours on the phone, I have not been able to resolve this issue because the only way left to do that is for me to visit a XXXX branch, something that is impossible for me right now. 
I'm an older adult and will not be flying anytime soon. 
This means I lost the opportunity to invest the money I tried to wire, which cost me money, plus all the inconveniences it entails being abroad and not having access to my account, not being able to review my balance online as I have done many times when traveling, and not being able to help my son with wires I had been arranging before this freeze. 
My son is also being affected financially by the pandemic and temporarily needs my help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I applied to XXXX XXXX business card. It never stated they would perform a hard inquiry on my credit. It stated there would be no affect to my credit score. After i submitted the application a hard inquiry was performed and i was denied. This is misleading business tactics.

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 2020-11-27 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Claim # XXXX from Bank of America My account was charged {$180.00} from cash app. I did not authorize this transaction. I contacted XXXX XXXX through email and I was told to request a refund. I requested a refund and was not successful. I contacted my bank institution and explained the situation and they temporarily credited me back the {$180.00} until investigation was over. Claim was closed and now Bank of America wants to hold me accountable for the transaction. I do not think it is fair to hold me accountable for this transaction.

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 2020-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
I requested a mortgage payoff letter from Freedom Mortgage. After the payoff letter was issued, Freedom imposed a {$30.00} fee for that letter. I closed my mortgage with a different loan company and my HUD-1 statement does not include any such fee for a mortgage payoff letter. Freedom claims ( in a phone call on XXXX ) that since my mortgage was sold to them, that I need to comply with their fees. I had no say in my mortgage being sold to Freedom and should not have to pay any additional fees beyond those that I agreed to when I closed on my mortgage. I am seeking a refund for the {$30.00} fee including lost interest. Thank you for your assistance.

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 2020-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Many financial institutions use a service called XXXX to identify bank account access to brokerage accounts. I tried to set up automatic transfers from my bank account to My brokerage account and PNC blocked access to that information. This is unreasonable as many banks use this service, and I have used this to transfer funds to other accounts. 

This is apparently a recent change and customers were not notified. PNC 's customer service says there is nothing I can do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, this is now the 5th tile I have tried to dispute this charge with Capital One, they have asked me for numerous amounts of documents that Ive spent lots of time getting to them and they have still denied me which is ridiculous because so many people are going through this same thing with XXXX and I dont understand how these credit card companies are not having there customers backs through this. My boyfriend and I stayed in XXXX from the dates XX/XX/XXXX-XX/XX/XXXX, we left our card, which is Capital One, as a security deposit for the room Incase of any damage. We checked out of our resort on XX/XX/XXXX and on XX/XX/XXXX the Capital One card we used was charged {$1800.00} and {$99.00} on XX/XX/XXXX. The charge said XXXX XXXX XXXX XXXX #. We booked this trip through XXXX on XX/XX/2019, the total was {$3200.00} including our airfare, this was paid in full on that date. Of course when we saw this charge we tried contacting our hotel ( XXXX XXXX ), which was very difficult because everything was closed due to COVID, I finally got through to someone from the hotel and they had told me that XXXX never paid the hotel for our stay and it was now our responsibility and they were allowed to charge the card they had on file. I tried getting in touch with someone from XXXX and their website is completely shut down. Our only next option was to go through Capital One and file a dispute, we have filed 3 disputes since XXXX and they have yet to do anything for us. I am very upset because we have been a customer for years and they have denied my dispute every single time, we have sent many forms of proof showing our trip was paid in full. They have done absolutely nothing to help us, there are many people dealing with problems from XXXX. We are very upset and hope this gets resolved soon. Thank you

Company response to consumer: Closed with explanation