vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 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: GA

Complaint narrative:
The 3 Credit Agencies ( XXXX, Experian, and XXXX ) are reporting incorrect late reportings on my credit file. I was never late on my student loans. The following information is reporting inaccurate on my credit files. 

Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$3600.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$3200.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$1200.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$880.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$2300.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$1300.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$2100.00} There is inaccurate bankruptcy information that is reporting on my file : I contacted the US Bankruptcy Court and they informed me that they do not provide information to the credit agencies. So the information that is reporting on my credit file is incorrect. This is not my bankruptcy information. Please verify. 

There are also several inquiries that was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX 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 2020-04-30 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I had a XXXX XXXX XXXX visa. 

It transferred to commenity. 

Since transferring to commenity they have : 1. not sent me a card and demanded payments with no way to access the account and no notice that I was transferred from either bank. 

2. Gave me the work around and placed the blame on me every time I call customer service. 

3. Raised and adjusted my interest rate from 21 % to almost 25 % on a whim. 

4. Lied and said that my interest rate was higher In XX/XX/XXXX ( when I didnt have the physical account ) and they lowered it. 

5. Refused to remove a false delinquent account error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX was my contact working as an XXXX and XXXX for a company called XXXX XXXX XXXX. I and my business partner XXXX XXXX completed certain tasks for them. They XXXX us the money once the work was completed. She only allowed me to contact her via XXXX XXXX. When I logged back into the app to recover our conversations, she deleted her account. I was only able to obtain the few emails we had from my XXXX account ( I have proof of her requesting me to only communicate with her via XXXX  ). Why would she delete her account? Why is none of the contact information working all of sudden? She also told me her office staff members have business accounts and will XXXX us the money for the services provided. On XX/XX/XXXX at XXXX I received a notification that my business account was negative ( XXXX XXXX & Chase Bank ) which was the same  amount of money they paid me. In addition, they did the same thing to XXXX XXXX Chase account ( her account number XXXX ). I tried to call them but the number is not working and the email is not working. In addition, the website is not working as well. I have had my account for years with Chase and never had it in bad status. I recently opened my XXXX XXXX Account ( XXXX ). I honestly feel that Ive been scammed out of work and our time. I have proof that I have a legal contract with them. I need these charges to be reversed back into my account. XXXX always ask you a question before sending funds to ensure you are sending it to the right person. They confirmed we were the right people to send funds to. Please handle this matter. XXXX XXXX is holding {$940.00} in my business account ( account number : XXXX ) payment from XXXX XXXX XXXX ). Chase Bank account is negative of {$2200.00} ( account number XXXX ). XXXX XXXX personal account, they are holding {$140.00} of my money. XXXX XXXX paid me {$1100.00} and {$1200.00} for my services in XXXX XXXX account. Ina few days, my personal account with XXXX XXXX will be negative. I was scammed out of services. Neither bank is willing to help me get funds back. My accounts are on hold now. My personal payroll check is linked to my XXXX XXXX Personal Account. A police report has being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My wife 's credit card was stolen around XX/XX/XXXX and I thought my card had gotten hacked and called company to make report without knowledge of my wife 's card being stolen and explain to them my card had gotten hacked, cause that's what I thought so they reversed the amount and now a month later that reinstated the amount of XXXX which was what was stolen. They said my claim was declined because the card was present and I proceeded to explain the reason why it was present. They said they will reopen the investigation but will not remove the amount until then. Please advise me on where I can go to get this removed

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 2020-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
Regional Acc XX/XX/2020. Coaf XX/XX/2020 I have no idea what amount they tried running. I did not give XXXX XXXX to permission to run my credit. I was just thinking about buying a vehicle never once gave permission

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 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AL

Complaint narrative:
I have been speaking with XXXX XXXX, Loan Originator NMLS ID # XXXX, with AmeriSave Mortgage Corporation NMLS ID # XXXX. 

On Tuesday, XX/XX/2020, XXXX offered me a refinance loan at a rate of 3.375 % to which I agreed. He coerced me into paying a {$500.00} application fee before we could move forward with the process. I reluctantly agreed and upon receipt of the disclosures and information, I realized my interest rate was floating, not locked. I asked him to lock my rate, but he refused, stating it was in my best interest to leave it floating, as the rates could go down. I told him that the rates could also go up so I wanted the rate locked. He again refused. 

After consulting with a couple of other banks, I was told that the rate he quoted me was not possible without paying 1 or 2 points, which he told me I did not have to pay. 

I have not had an appraisal or any other item for which this bank has had to pay, other than a credit check. This fee was to simply keep me from shopping around, after I was given an empty promise. 

I lost a night of sleep worrying about going through this process, just to end up with a rate that is not better than the current rate on my home plus adding {$2000.00} - {$3000.00} in costs to my loan. XXXX promised me a rate, forced me to pay an application fee to proceed and then could not lock the rate.

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 2020-04-30 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: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
In XX/XX/XXXX, I was paid up on my Toyota Financial lease to XX/XX/XXXX, so I " shut off '' the automatic payments on their website. I went back into their system in XXXX to turn it back on but the system failed. I made the payment in XX/XX/XXXX when I saw the system didn't work to make my payment. I turned the auto payment on again in XXXX and it again didn't work. I made 3 payments in XXXX, along with speaking to an agent who confirmed there seemed to be technical issues and I would not have late payment markers. I close the account in XX/XX/XXXX as I bought a new vehicle. However, AFTER THE ACCOUNT WAS CLOSED, Toyota Financial added the late payment markers for two months onto my account. I again called Toyota who said that their payment system showed " odd '' automatic payment system entries from XXXX to XX/XX/XXXX. The customer service and retention reps agreed with me that there should not be late markers because the system did not appear to be operating correctly. However, the credit review team will not speak with me and will not change the late markers, which is impacting my credit as I try to refinance my home. I filed a complaint with XXXX XXXX as well, but was told that due to Covid-19, their review teams are not working and their website is not working either to follow up on my complaint. I am contesting that it was Toyota 's auto payment system that caused the two late payments in the Fall of XXXX, that Toyota told me at the time and during my complaint that these late markers should not have been applied, and Toyota retroactively added the markers only after I closed their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian removed my XXXX XXXX account from their account with out my authorization, I did not tell them too and neither did XXXX XXXX I called both parties and no one seems to know why they removed my account? I need my credit showing back in the Experian report asap

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 2020-04-30 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:
These accounts still appear on my credit report that were part of my identity theft case.

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 2020-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I currently have to pay PMI on my loan. However, per my origination and loan documents I can request removal of PMI once I reach the 80 % loan to value threshold either on XX/XX/2020 based on payment schedule or when I actually reach the threshold based on actual payments. 

Otherwise my PMI will disappear at 78 % loan to value. My loan servicer is refusing to remove my PMI until I get to 78 %, even though my loan documents state I can request removal at 80 %. They continuously inform me they ned to research and will get back to me. They don't get back to me, and when I call again ( 5 times now ) they start a new investigation and tell me the 78 % rule. Even though I have submitted my loan documentation which is contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased 2 sets of tickets but I was refused at the venue, the tickets I legitimately purchased did not work and cost me my travel fees and other charges, including the cost of the tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I took a trip to XXXX back in XXXX of XXXX, five unauthorized charges occurred while I was on the trip which I disputed ; dispute results came back with no satisfactory explanation of why they were rejects. 
Following are the transactions detail and dispute results : 1 ) XX/XX/XXXX {$1800.00} XXXX IN  XXXX XXXX XXXX unauthorized fraudulent charge During the visit, merchant had requested my credit card to be held for security reason, I assumed since its a restaurant bar, they wanted to make sure that the bill will be paid, therefore, I was ok with the hold. This charge was paid by a group of us in cash at the end of the night, but the merchant still charged my credit card. 
On XX/XX/XXXX, I disputed the charge, Citi completed the investigation on XX/XX/XXXX with the following statement After reviewing your dispute and the information you provided, were unable to resolve the dispute in your favor. I have never heard of a dispute like this that is so obviously fraud, yet Citi resolved in merchants favor! No further explanation from Citi as why this was rejected. 
2 ) XX/XX/XXXX XXXX identical charges of {$160.00} XXXX  unauthorized fraudulent charges On XX/XX/XXXX, I disputed the charges, Citi completed the investigation on XX/XX/XXXX with the conclusion of resolved in merchants favor. Citi rejected the dispute based upon four identical charge amounts of receipts provided by the merchant four receipts that have four different scribble signatures which none of them match my signature! It is absurd to learn that Citi would trust this kind of evidence presented by the merchant to damage its customers.

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 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
In XXXX, we had an insurance claim on our home and when the insurance company ( XXXX  XXXX XXXX ) settled we found that bank they placed was the incorrect mortgage holder, so as we had to enter Ch XXXX bankruptcy due to fraud paperwork, signatures and embezzlement, we were forced to put the supposed bank that was sending the proof of claims to the trustee and our lawyer which was XXXX Investors. But we then were forced to send the check in good faith in late XXXX to a bank called Shellpoint, which we understood doing the debt for XXXX, so that we could have the bank sign off so that we could repair our home and get the other part of the claim money as well. The total claim was for around XXXX, but we only received like XXXX, until work was completed. In late XXXX we filed a demand order to ask why check had not been returned, and in XX/XX/XXXX, had a hearing in Bankruptcy Court and judge demanded check be found and send to us ASAP. The bank then asked for the rights to have check reissued again through the court system and the judge granted and this was done about a week after hearing in XXXX. To date we have yet to see that check and for the most part, Shellpoint has frauded the paperwork that was entered into a foreclosure complaint in early XXXX. We would really like the check forwarded to us as they were asked in XXXX and would be nice if they would forward original mortgage in which they say we are a part of, because those signatures on that so called mortgage is not our signatures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: CA

Complaint narrative:
These accounts still appear on my credit report that were part of my identity theft case.

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
Due to the Covid-19 virus, I lost my job and filed unemployment.I thought i would receive my card within two weeks and it has been almost one month.I have money on a card i have never received.I have contacted the number on the back of a card my friend showed me he has and i can't get in touch with anyone.It would be easier if the unemployment office i have been directed to a few times would actually answer, but that will not happen due to over 13 million people having the same issue in the state of Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My Capital One Credit Card was the billing option I listed for my 2019 Car Insurance with XXXX - Northeast. I cancelled this insurance in XXXX of 2019, however the company has continued to bill me - I've called, email, mailed them, etc. seperately. 

I have individually disputed {$790.00} worth of credit card charges made from XXXX on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have emailed Capital One, attempted to call, and reached out through the web portal. I have received no response to my disputes OR to my other attempts to contact, despite Capital One taking the time to send me repeated bills, attempt to charge my interest and late fees, and report me to the credit burue. 

This is my last attempt at contact before hiring an attorney and seeking damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
At the time this debt was made I was between insurances. I am now on medi cal which covers everything

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 2020-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
On XX/XX/XXXX i had my house scheduled to refinance with Freedom Mortgage for a XXXX  loan. The notary had a tire blow out and couldn't make it. I realized it was Friday and we couldn't reschedule but i never heard anything from XXXX XXXX XXXX XXXX. I Finally lwas able to reach XXXX XXXX the following Tuesday XX/XX/XXXX after leaving several messages and emails. He informed me he would send a email to the closing department and i should hear back from them. Nobody ever called. I called several more times because i was getting quite concerned that maybe this was a scam and i finally got in touch with him. I expressed my concern and his response was " what did i want him to do ''? Well i justvwas trying to get some information I was told to hold my payment and i didn't know what to do. Finally someone called and informed me they were working on it and i closed XX/XX/XXXX. 
Customer service was horrible and no one should be put in this same situation. 
I please ask you to help so no person has to go through this kind of stress.

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 2020-04-30 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: FL

Complaint narrative:
Before I could direct the funds elsewhere, by the time the IRS released the " get my payment '' tool they had already disbursed my stimulus funds into my cash app account. I'm on day XXXX now and I still can't cash out or access the money in that account. Support is nonresponsive. Every time I try to access my money it says " We've detected unusual activity. To protect your funds we've temporarily locked your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter into Experian regarding a bankruptcy that they are reporting. I requested the removal of the bankruptcy ( Ref. # XXXX ) on my Experian credit report due to Civil Case No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on that bankruptcy and due to this, XXXX  has violated the Fair Credit Reporting Act ( FCRA ). This is unacceptable and need to be removed as soon as possible. I also sent in documentation to have fraudulent addresses removed from my report and they are still showing : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX, IL XXXX SINGLE FAMILY

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