vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
An account was opened with out my consent. Apparently they wanted me to opt out of the agreement. Not only was it unwanted it also lowered my credit rating.

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 2020-03-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I did not receive merchandise, I called the merchant and they did not credit my account. I called Bank of America and was told to call the disputes line, I called that line, and told the person I did not receive the merchandise. 

On XX/XX/2020 I received a letter, dated XX/XX/2020 stating that I had to provide proof I returned the merchandise and I had ten days to comply. I sent my response immediately. 

On XX/XX/2020 I received a notice dated, XX/XX/2020 saying that I had a limited time to respond. I sent a copy of mine dated XX/XX/2020 On XX/XX/2020 I received a notice, dated XX/XX/2020 saying that I did not provide information in a timely manner. 

I responded with information in writing on the very day I received the notice. BOA did accurately report my information to the company

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 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under RMP Services LLC. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: GA

Complaint narrative:
I'm a victim of family Identity Theft. A family member opened unauthorized accounts in my name. I've submitted the Identity Theft Affidavit and corresponding evidence to the bureaus three times since XX/XX/2020. XXXX  has blocked the accounts. Experian and XXXX  have not blocked the unauthorized accounts. I'm trying to fix this asap as it is severely affecting my credit score and I need to purchase a house. I do not want to have to file a lawsuit  because with the coronavirus too much is going on in my life right now. I just need this fixed. Please help.

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 2020-03-20 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 — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XX/XX/XXXX I was notified of an unauthorized charge of XXXX by the collection department at PNC. I was unaware of such a charge. The charges were from XXXX but the notices went to the clinic where my colleague there did not notify me of these charges. It was the other colleague who made the charges that were unauthorized. The credit bureaus were notified, police report filed, account closed, contacted PNC bank and I we had a binding agreement signed by XXXX XXXX ( colleague ) that he would be responsible for all liabilities/debt incurred by the practice which includes the card that he charged. BUT after all of this PNC credit department is still contacting me to repay the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: CA

Complaint narrative:
Received a 'firm offer ' of a guaranteed 'pre approved ' refinance of mortgage. The card, from American Financial Network , Inc. said that my rate was guaranteed until XX/XX/2020. 

When I called them on XX/XX/2020 to take advantage of the offer, it no longer existed and a new rate that was higher than that on the card ( over 4 % ) was offered instead of the 2.75 % rate 'guaranteed '. Call made at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
and i faced a unusual situation with a merchant but the bank didt bother to have a look at the receipts they simply went in favor with the merchant ( XXXX XXXX ). 

I have deposit 2 disputes because i was overcharged none one, but twice. 

1 ) first complaint the hotel charged me {$2600.00} where i was supposed to get charged {$1000.00}. 
2 ) second complaint the hotel charged me {$780.00}. 

Both disputes were made on XX/XX/2020, Bank of America went in favor to XXXX XXXX, despite the receipts that proves that they charged more that they were supposed to. They gave me back my money and they havent even bothered to read the receipts. 

Please, now i need your support on this as soon as possible, it has been weeks and they are always fining excuses. 

Thanks in 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 2020-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have owned my home since XX/XX/2008. 
The original loan amount was {$70000.00} I was told that PMI had to be included. 

I have paid my loan on time for over 12 years. 
The house is worth three times as much as I purchased it. 

Every year, I ask for the PMI to be removed and every year, I get a different story. 
This year, I asked and the representative told me that I indeed qualified due to I have paid up to the amount to remove only for Wells Fargo to come back and state '' now you need more money. 

I would like the PMI 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 2020-03-20 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: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am a XXXX  and due to the corona virus I will no longer be working for months. I currently support my wife who has XXXX XXXX and I called to ask for a lower interest rate to help us through these challenging times. I called USAA to request that my interest be lowered to have a more affordable payment. The operator said we wont due that. I said what are you doing to help people? He rudely said, Im working thats it. Im going to work. I said can I talk to your supervisor? 
Im not asking for a handout. Im responsible with my credit and Im asking for a lower interest rate for a year which is how long this will take to recover. I will no longer be using my cards. 

I have 2 credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I have been receiving bills from Chase re : my HELOC. 
Included in the Total Amount due in my XX/XX/2019 statement was " Prior Fees / Charges of {$220.00}. 
I paid the total due but the {$220.00} was not credited to " Prior Fees " but to the principal. 
I paid the {$220.00} again in XX/XX/2019 and again it was credited to the principal. 
I believe I Have paid the {$220.00} two other times with the same result. 
I have asked Chase to credit the original payment to the prior fees and refund the rest of the {$220.00} payments that were credited improperly to my principal. 
I was told they would not be able to refund any of the payments. 

I believe that in total I have paid {$900.00} to cover the prior fees ( in {$220.00} sums ). 
The Prior fees / charge of {$220.00} continues to be on the bill and added to the minimum payment due. 
I have initiated a case at Chase with the executive offices. After multiple phone calls with their account representatives I have come to believe Chase is engaging in deceptive billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I am trying to refinance. Freedom mortgage has had 9 requests since XX/XX/2020 for my payoff by my escrow company. I have numerous emails and names of who they have spoken to and all of the processors at Freedom mortgage are stating that they did not get it, when I have been given proof that faxes have been received, calls have been made. 

Requested payoff XXXX Checked on payoff XXXX was told it would be here in 5 days checked for payoff on XXXX told they never received request resent through fax XXXX was told I would have it in a day XXXX was told they never received the request XXXX called spoke to two people one in the XXXX we have everything we need and will get it to you XXXX XXXX  We are working until XXXX XXXX  we will get it XXXX spoke to someone ( name in my file ) told it would get here on the XXXX due to virus. 


We just need a payoff. My new refinance loan lock is going to expire and it will cost me {$900.00} to keep my lower rate. 

I need some help. Now their phone number is not taking calls.

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 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX EXPERIAN MEMBER ID # XXXX FOR XXXX XXXX I called Experian credit reporting account on XX/XX/2019 to cancel both of my experian accounts, and I received an email confirmation of the cancellation, and yet I still continue to be billed {$24.00} a month. 

I called Experian several times, I explained the situation and tried to have them pull the call, and they refused to pull the call. Had they listened to me and pulled the call, they would have received the proof that I canceled the account. ( See attachment below. ) I am requesting that they issue me credit on my account from XX/XX/2019 {$24.00} x 3 months totaling {$74.00}. They have refused to refund me the amount, despite the fact that I provided them with proof!

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 2020-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flandreau Santee Sioux Tribe
State: FL

Complaint narrative:
The sales person did not accurately and honestly depict the terms of the loan and the repayment fees. The original loan was for {$1400.00}. I have made 4 payments directly from my bank account in the amount of {$470.00}. They are now saying that there is an additional outstanding balance of {$1900.00}. This companies practices are unfair, deceptive and abusive. Correct address is : www.//Rushmorefinancial.net

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
My concern is that even when I pay partial payments towards my monthly mortgage payment, the company is still charging me a {$15.00} fee to have someone go out and confirm that I still reside at the house and that it is not vacant. I have tried telling them that I reside in my home and do not plan on losing my home so why do they keep charging me this fee every month to have someone ride by my house. Yes, I admit that I pay my mortgage 15 days late ; however, this fee is causing me more debt than I can afford. I think it's just a cruel tactic for them to collect more money when not necessary. I can understand if I was 2 months or more behind but this is not the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20 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: VA

Complaint narrative:
I received an alert today ( XX/XX/2020 ) that XXXX XXXX has launched a hard inquiry on your credit report. This hard inquiry needs to be removed from m account. 
In past, thousands of time I have asked to Transunion to freeze my acccount, still it is not freezed and when i again requested to Transunion to freeze my account, the call center employee did not put freeze and supported XXXX and did not even filed my dispute. 

This is severe violation by Transunion to not to file a dispute to remove hard inquiry. 

Get this hard inquiry removed and freeze my account forever. I have nothing to do with 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