vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations 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. They have also failed to provide any proof of ownership for accounts circled in attached 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 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Choice Credit Management
State: KY

Complaint narrative:
We signed an agreement, with First Choice Credit Management, to pay four different debtors. We agreed to pay, {$170.00} dollars/monthly for thirty two months. It started on XX/XX/XXXX. It ended on XX/XX/XXXX. They promised that all the debts would be paid. They settled with three, of the debtors, and told us, that the fourth debtor, would be paid too. We started getting letters, from lawyers, who the fourth debtors, got to help them collect their money. We called and told First Choice that the lawyers, were calling us. The First Choice team, said dont worry about the calls, because they were going to get it settled. They told us, we did not owe, any more money, which is what the agreement stated. They ended up not getting the last debt settled, and sent it to another debt management company. The new company wanted four more payments, from us. We said no, because that was not part, of the original agreement. We had to take the balance, that was left, in my wifes account, and we are paying the debt back ourselves. We are very unhappy that they did not fulfill their commitment and were untruthful to us. We dont want anyone else, to have to through this nonsense. I called them several times and they never returned my calls. I wanted to speak, with a manager, and they did not see fit to call me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 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: General Motors Financial Company, Inc.
State: OR

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMERICREDIT, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
In reference to new loan terms effective XX/XX/2020 for HELOC, US Bank has confirmed on XXXX, XXXX, 2020 due to their internal processing issue an escrow account was not established on this account until XX/XX/2020. Causing a larger payment due XX/XX/2020. This started the multiple errors, inconsistencies, and misinformation by US Bank. In a letter/response by US Bank dated XXXX XXXX XXXX, They claim a past due balance of {$720.00} occurred for principal and interest and additional late fee assessments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that US Bank advanced payment in this amount and waived all late fees. 
On XX/XX/2020, an 8-page billing statement reflected principal, interest, and escrow reallocations of all my payments. This information is inconsistent with the history statement provided by US Bank dated XX/XX/2020. The reallocations of all payments, clearly showing the inconsistencies with the principal balance as well as periodic daily interest charges. This affecting the periodic daily interest that is assessed based on the principal balance is on the day lived in the home. One example ; the periodic daily interest rate is .00956 % and on XX/XX/2020, with a principal balance of {$65000.00} for 30 days of interest ( for XXXX ) the amount charged was {$69.00} yet on XX/XX/2020, at a principal balance of {$65000.00} for 31 days of interest ( for XXXX ) the amount charged was {$310.00}. This is only one example of the multiple errors & inconsistencies made/reflected with the accounting, payment allocation, payment reallocations, and incorrect interest being assessed/charged to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX has been contacting me, threatening court, additional charges, and accusing me of ignoring their calls. I am a XXXX XXXX XXXX and was a XXXX  shift XXXX XXXX XXXX XXXX XXXX who had been working 10-15+ hour shifts, driving over an hour to work. 

On XX/XX/XXXX, for almost 30 minutes, I had a credit debt account executive and a manager get on the phone, the manager- a male- constantly interrupting his employee and myself. I asked for information to be emailed and I would check my mail again. He was very aggressive, trying to get me to commit to a payment over the phone and to not fact check anything either one of them was saying. I repeatedly asked for a couple days to review finances and information to which he replied that I'm in this situation for ignoring their calls. 

Throughout 2020, I contacted XXXX XXXX, asking for relief for credit cards due to covid-19 impact, loss of income, and XXXX. The misinformation, inconsistency, and incompetency has now resulted in my account being charged off, after I had set up payment arrangements in XXXX, for a 3 month period. 

I had no clue or was unaware of my credit card account being sold to a collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Today, I filed Complaint # XXXX involving Chase with Consumer Financial Protection Bureau ( CFPB ). Chase deemed the complaint quickly as duplicate by end of day. I was submitting XXXX NOTARIZED Identity Theft Victim Affidavit that was notarized just earlier in the morning prior to submitting. I left a message few days ago for XXXX at the Card Executive Office to see how to submit. When I didnt hear back from him ( which is not unusual ) I submitted the affidavit with CFPB. I get more done with submitting with the CFPB instead of trying to contact companies direct. Plus after 4 years, I am ready to be heard, have the fraud and theft recognized, and regain my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
I ordered a product offline and was then informed that I could not use it. I immediately tried to call and cancel and send emails but the company would not answer my calls or emails. I then filed a dispute with Chime, my bank at that time. After I filed the dispute the company I ordered from finally answered me telling me it was too late to cancel and that the order had shipped but if I rejected the package or returned it within 60 days they would refund my money. I returned the product as instructed and sent the tracking number to the company to get my money refunded. Once they received their product back they told me it was a dispute and I needed to call my bank. They said that Chime had done a charge back and showed me documentation of this. Chime had given me temporary credit for the refund and now they have reversed it and charged my account {$410.00}. So I sent them the proof of the returned product as well as the correspondence from the company guaranteeing a refund but they refuse to give me my money back. They have sent documentation stating the reason for refusing to pay me was the I did not return the product as requested and this is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX refuses to credit a promised promotion through " AMEX OFFERS '' when a purchase was made to take advantage of a targeted " Amex Offer ''. 

My AMEX Platinum Card received a targeted offer for purchases made through XXXX XXXX {$100.00} off purchase of {$100.00} or more made through Dell.Com ). This offer stated an expiration date of XX/XX/XXXX. 

This offer was added to my card and an order exceeding {$100.00} was made from the merchant 's website on XX/XX/XXXX. The merchant sends a confirmation of order on XX/XX/XXXX ( which can be provided if needed ). 

The charge goes into " pending '' status on credit card statement as of XX/XX/XXXX. 

On XXXX I checked my statement to see that the charge had posted, but no applicable {$100.00} credit was added to my statement. I reached out to the merchant through their " Chat '' support to determine a resolution. The chat representative informs me that since the merchant decided to post the charge after their expiration date, they will not honor the credit. 

On XXXX I called into AMEX Customer service and explained my situation to a customer support agent again hoping for a resolution, as I assumed there to be a misunderstanding. I placed the order prior to the offer expiration date and, as a customer, have no control over when a merchant decides to post a transaction. The agent acknowledges that determining when a merchant would decide to post a transaction is out of my hands, however states that there's nothing that AMEX is willing to do to resolve the situation as the merchant posted their transaction after XX/XX/XXXX. The agent transfers me to a manager. The manager reiterates that the are logging my complaint, however there is nothing they can do in the way of a resolution. 

I am hoping a formal complaint will encourage the company to reevaluate how they handle this deceptive and exploitative " promotion ''. There is no conceivable way having an arbitrary " fixed '' expiration date tied to their offers are fair to the consumers, if this date is fixated on a characteristic the consumer has no control over ( i.e. charge posting date ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 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: TX

Complaint narrative:
Today, I filed Complaint # XXXX involving XXXX with Consumer Financial Protection Bureau ( CFPB ). XXXX deemed the complaint quickly as duplicate by end of day. I was submitting Transunions NOTARIZED Identity Theft Victim Affidavit that was notarized just earlier in the morning prior to submitting. I left a message few days ago for XXXX at the Card Executive Office to see how to submit. When I didnt hear back from him ( which is not unusual ) I submitted the affidavit with CFPB. I get more done with submitting with the CFPB instead of trying to contact companies direct. Plus after 4 years, I am ready to be heard, have the fraud and theft recognized, and regain my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Today, I filed Complaint # XXXX involving XXXX  with Consumer Financial Protection Bureau ( CFPB ). XXXX deemed the complaint quickly as duplicate by end of day. I was submitting XXXX NOTARIZED Identity Theft Victim Affidavit that was notarized just earlier in the morning prior to submitting. I left a message few days ago for XXXX at the Card Executive Office to see how to submit. When I didnt hear back from him ( which is not unusual ) I submitted the affidavit with CFPB. I get more done with submitting with the CFPB instead of trying to contact companies direct. Plus after 4 years, I am ready to be heard, have the fraud and theft recognized, and regain my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2021 I attempted to make a purchase at XXXX for a laptop for my son to use as he is doing remote learning and needs the device. I called the number in the back of the card and the automated service stated my credit limit is {$1000.00}. I checked my credit report through my bank as this service is free and noticed a credit alert. The alert indicated I had a credit decrease from XXXX rewards. XXXX reward decreased my credit from XXXX to XXXX on XX/XX/2021. I immediately contacted customer service, as I never received any notices. During the call I was told the creditor decided to decrease my credit. I asked why I was not sent a notice nor did I receive email or letter etc, as Ihave been a loyal customer for years who have never been dilenquent, always paid on time and my credit is in good standing. I was told by the representative that they do not send notices and can decrease or close without warning nor alert. I explained to the representative that during this time I have been depending on my credit and would have made a decision have I been alerted on my posible credit change. The representative offered no help with this matter, simply stating the company does not have to send a notice of their intent to the customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX has been contacting me, threatening court, additional charges, and accusing me of ignoring their calls. I am a XXXX XXXX XXXX and was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who had been working 10-15+ hour shifts, driving over an hour to work. 

On XX/XX/XXXX, for almost 30 minutes, I had a credit debt account executive and a manager get on the phone, the manager- a male- constantly interrupting his employee and myself. I asked for information to be emailed and I would check my mail again. He was very aggressive, trying to get me to commit to a payment over the phone and to not fact check anything either one of them was saying. I repeatedly asked for a couple days to review finances and information to which he replied that I'm in this situation for ignoring their calls. 

Throughout 2020, I contacted Capital One, asking for relief for credit cards due to covid-19 impact, loss of income, and XXXX. The misinformation, inconsistency, and incompetency has now resulted in my account being charged off, after I had set up payment arrangements in XXXX, for a 3 month period. 

I had no clue or was unaware of my credit card account being sold to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WA

Complaint narrative:
I had a cashapp account XXXX XXXX. Balance in my account was around {$120.00}. I changed to a new XXXX. There is no way in their app to deal with changing over to a new phone. Ive had over 15 emails with their service people. Ive provided al the information they requested and jumped through endless hoops and requests. After two weeks of this they simply said my request is denied and now all the money in the account is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX, I looked at my credit report and noticed an account with Toyota Motor Credit did not look correctly reported. I started by writing to credit bureaus to investigate the matter but it always kept coming back verified. 

After sending several letters to the credit bureaus and getting no where, I wrote directly to Toyota Motor Credit. My first certified letter was sent on XX/XX/XXXX. I did not receive a letter or any statement from Toyota Credit Motor. After no response, I wrote another certified letter on XX/XX/XXXX to Toyota Motor Credit. They still sent no information to me about this account. 

I wrote back to the credit bureaus on XX/XX/XXXX to inform them that I have been reaching out Toyota Motor Credit and they have not sent me any information about this account and requested that it be removed. I received an update from XXXX stating that the account has been updated with updated information. After looking at the report, there was no information updated on it. I am not sure how the credit bureaus were able to get information from this company, but I have not received anything. For 3 consecutive months in XXXX, its reporting that this vehicle was repossessed each month. I am not sure how a vehicle is picked up for 3 consecutive months without any communication to the account holder. 

I would really like your assistance with this account. At this point, I would like to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NC

Complaint narrative:
On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over a month and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 30 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I have been contacting Coinbase since XX/XX/2020 to lift holds that have been put on my account. 

I am not given any information as to why my account is restricted, just with the following message - " Account Restricted You are currently unable to buy and sell crypto on Coinbase. Please visit https : //support.coinbase.com for assistance. '' When I visit the webpage and submit, they don't respond at all. I have more than {$10000.00} worth of money there and I can't sell/withdraw that money to my bank account. 

This is a repeated pattern and you can see them intentionally ignoring all the customer complaints at XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 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: VA

Complaint narrative:
I have been trying to dispute negative and inaccurate items on my credit report with all 3 bureaus for over 50 days now. I have not gotten a response from any of the three. I have sent multiple letters off to each of them. Even providing facts and quoting laws and codes from the FDCPA. It has been 59 days now and I have not heard anything from these bureaus or seen any changes to my credit report. This is wrong and unlawful. I am demanding the negative accounts and information be deleted from my credit report. You will see all of the inaccurate accounts in the letters I have attached. The bureaus are violating FDCPA section 807. They have also failed to respond or investigate my disputes within a timely manner. This behavior is completely unacceptable. It is restricting my family and I from living our life comfortably.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TX

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations 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. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation