vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 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: ID

Complaint narrative:
I am a victim of identity theft. I have attached a redacted police report ( eliminating photos and text because of the size of the file exceeding 10mg ). I am asking the government to please review the information, and if needed, I can provided an original company via mail of the complete police report conducted by XXXX Police Department.

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 2020-11-23 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: ID

Complaint narrative:
I am a victim of identity theft. I have attached a redacted police report ( eliminating photos and text because of the size of the file exceeding 10mg ). I am asking the government to please review the information, and if needed, I can provided an original company via mail of the complete police report conducted by XXXX  Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Office of Edwin B. Parry
State: UT

Complaint narrative:
I was served papers for a RECENT debt from XXXX XXXX, ( ie XXXX XXXX XXXX XXXX, shortly after disputing it with a credit reporting agency. In order to verify this debt I need the itemization and PROOF that the debt is in fact valid. Many of these debts are too recent for the paperwork to have processed due to the slowing down of IRS paperwork, by the coronavirus. Getting the information is the only way I can properly reply. 

On XXXX, their hours are Monday-Friday and Saturday XXXX to XXXX XXXX. When I showed up at XXXX on Saturday, I discovered that XXXX XXXX XXXX is in the same building as XXXX XXXX XXXX. But XXXXXXXX XXXX  XXXX isnt posted on the door anywhere ... I walked around looking for a separate door :,, nothing. Furthermore, when I called because the front desk area wasnt open, I was told that law office of XXXXXXXX XXXX XXXXXXXX was open just on the other side of the door, she had the paperwork, but she wouldnt give me the papers because the receptionist was their client, express recovery services ... and they werent open. 

I was upset about this and am now delayed further as I dont have a car to drive there all the time. Im an unemployed individual living through this pandemic. A lawsuit on recent unresolved debts, currently in dispute, is anything but compassionate and should be a crime. 

I told them this to which I was told everything is moving forward, businesses are still running and the world is moving forward. I am not able to be employed as I am on the CDC list of vulnerable populations right now. But yet here I am, at the ( law office? ) thats suing me, miles from home, outside, begging for proof of a recent debt, during open hours, so I can reply to a summons. Shame on this law office, and Im certain their relationship with XXXX XXXX is brushing too close to whats considered legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/20 : Responded to an email solicitation to open a Chase Private Client banking account to receive {$2000.00} bonus after transferring more than {$250000.00} money or securities to Chase from a different banking institution. Offer link ) https : //account.chase.com/consumer/banking/XXXX ). Walked into the Chase Branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to talk to a Chase Private Banker to open checking account and a Full Service Brokerage account to transfer securities to Chase. After talking to the banker and informing them of my intentions to open the checking account and brokerage account to satisfy the opening bonus, Banker XXXX XXXX XXXX phone XXXX ) helped me open my checking account. She then passed me account over to XXXX XXXX XXXX phone XXXX ), a Chase Private Client Advisor, so he can help me open the brokerage account. At that moment, I again explained to XXXX XXXX my intentions to open a full service brokerage account so I can transfer my securities from a different banking 's institution to fulfill the requirement to obtain the bonus. He refused. He insisted to offer me a different investment product that does not qualify for the sign up bonus I came for. After going about 5-10 minutes, he straight out said that he will not help me open a brokerage account that will allow me to get the sign up bonus with a condescending tone. These two bankers basically tricked me to open a checking account and moments later told me that I can not get the bonus because they refuse to help me open a brokerage account so I can transfer my securities to Chase. This feels like a scam where they try to get people to open checking accounts to fulfill their quota and immediately refuse to help customers open a brokerage account so they can complete the requirements of the signup bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: LA

Complaint narrative:
I am being illegally charged with high interest rates. I am paying thousands back in total for a {$520.00} loan every two weeks. 

XX/XX/2020 Amount Financed {$520.00} Annual Percentage Rate 771.72 % Finance Charge {$3500.00} Total Payment {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The debt is claimed by PAYPAL CREDIT CARD Services. I have attempted to resolve this with the company to no avail. 

This has been going on for several months and despite my providing proof from the vendor that no credit card charge was made by me on the dates and amounts, they persist in sending me statements slapping on late fees. 

These are the details of the charges : XX/XX/2019 : {$740.00} XXXX XXXX XXXX XXXX XX/XX/2019 : {$740.00} XXXX XXXX XX/XX/2019 : {$640.00} PLUS LATE FEES I am attaching copies of my XXXX XXXX bank statements from a few months before XX/XX/2019 and a few months after XX/XX/2019 that show that NO charges to XXXX XXXX XXXX XXXX and XXXX XXXX occurred on not only my XXXX statement but on statements before and after. 

I also included an email from XXXX XXXX XXXX XXXX accounting department that they had no charges from me XX/XX/2019 2019

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 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The CFM Group
State: FL

Complaint narrative:
I received a few phone calls from this number telling me that I had an outstanding credit card debt from 2016 I informed them that I didn't have any credit cards back then they started threatening me telling me that they needed an address so that I could be served papers and it was going to cost me another XXXX to XXXX XXXX in legal fees so I paid it on my credit card this is the name of the group and the phone number associated with itXXXX XXXX XXXX XXXX XXXX. I paid a total of {$1500.00} on XX/XX/XXXX. I've been doing a lot of research since then and found that I did not owe any debt and I'd like my money back

Company response to consumer: Untimely response
Consumer complaint received 2020-11-23 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: OH

Complaint narrative:
I have tried to use the XXXX site to obtain my reports and none of the companies will allow me to obtain such report online. Called the number to address the problem only to find out they are indicating my first name is not what I know it to be. Tried to address this problem only to find out I can not talk to a live person to get it resolved. Finally called XXXX  and got to talk to a live person named XXXX, on XX/XX/2020 approximately XXXX hours ; he said he could put on a freeze for XXXX  only, said please do this. However, this whole situation is cause for alarm for both my husband and me. My husband has already filed reports with FTC, XXXX, and local police for data and information that is fraudulent on his reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: MoneyLion Inc.
State: CA

Complaint narrative:
I have been dealing with a loan that I had with MONEYLION INC . I went through a debt settlement program with a company named Settle It. The loan that I had was settled by them and paid as agreed via a company named XXXX XXXX  XXXX. This is the company that actually paid MoneyLion Inc. MoneyLion Inc. REFUSES to acknowledge that this loan has been settled and PAID. I have copies of the settlement agreement as well as the copies of the payments made to MoneyLion Inc . I have sent this documentation to all three credit bureaus and MoneyLion insists upon not acknowledging that the account is settled in full!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020 and XX/XX/2020, in XXXX I was unwell with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experion refuses to post my correct address or any recent cerit information, Leaving me with a empty credit report I have lived at the same address for 25 + years but no mention of it. 
My creditors claim they report Regularly but experion will not acknowledge nor post the information. 
They will not give a method to correct what ever error exsist. 
On the contrary, they claim no error is present.

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 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom this may concern, For the past 8 months I have been reaching out to all three credit bureaus about a credit cards inaccuracies on my account. According to my credit report, my credit card ending XXXX from XXXX XXXX XXXX XXXX, is closed. However, I am currently using the card and it is not closed. I have had this credit card for five years now and this is a huge reflection on my credit score.

I need this account to be reported accurately ( Opened ). I have also reached out to XXXX XXXX XXXX XXXX and they have also reached out to the bureaus but I see no change on my end.

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 2020-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
Do to the covid 19 pandemic, i was furloughed from my job for a few months, that resulted in me being late on 1 payment. I made the payment up, after checking my credit report i found they were reporting me late, i made the payment before it was 30 day 's late. I wrote a letter to the ceo of the company Mr XXXX XXXX, i explained to him what happen and that i was trying to purchase a new home next year, and that this one late could hurt my credit score. He forwarded it to XXXX XXXX She works in the Executive department, she said she could not remove the late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: CA

Complaint narrative:
I lost my purse on XX/XX/2020. Someone got it and use my information and documents to open an account with debt {$12000.00}. There is a couple returned my purse in the mall and ask me to paid them {$200.00} to get it back, I paid them and I dont know if they are the fraud. Last month I check my credit score was down because of this debt {$12000.00} but I was not the person apply or open this account. I have reported to XXXX, Equifax about my credit score. My credit score in the last 2 years is always very good. No debt. Always pay on time. Now I want to dispute this problem and hope you can help me investigate to solve it to get back my real credit score. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING SEVERE DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-11-23 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a re-occuring issue with Barclay 's Bank of Delaware. I have 3 cards with them : 1 ) a Barclays Credit Card 2 ) a XXXX XXXX Credit Card 3 ) a Wyndham Rewards Card I have had them for some time. I have always paid more the minimum due each month and have been attempting to pay down on all of the cards. What is irritating is Multiple times after I pay my bills, sometime with a significant amount, they will reduce my upper credit limit. My main concern is that the FICO score is based on the percentage of utilization of available credit. So when I pay down to try to reduce my utilization, Barclay 's will zap my credit limit down, with has the effect of lowering my FICO score.. Although I do have a high ratio on credit limit to balances, my debt is only about 25 % compared to my total income.

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 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XXXX, 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: PA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was concurrently working with TD Mortgage on two separate mortgage applications. One for XXXX XXXX XXXX, XXXX, NJ XXXX and the other one for XXXX XXXX XXXX XXXX, NJ XXXX. For the XXXX XXXX property, I received the clear to close, closing disclosures, and the closing date was supposed to take place on XX/XX/2020. After all parties finalized the paperwork, and after I have taken out the certified check from TD Bank getting ready to close on the next day. TD Bank loan officer gave me a call late afternoon on XX/XX/2020 stating that my application is " being denied due to concerns involving a previous account relationship ( s ) you had with the Bank that resulted in the Bank terminating that relationship.

I have since reached out to the TD 's branch manager and the relationship manager, but neither of them was able to provide with me any indication on what was going on, aside from the fact that TD Bank has decided to demarket my account and terminating relationship with me as a customer.

Due to TD 's gross negligence and bad faith dealing, I have lost substantial amount of money on these two properties ( i.e. appraisal fee, credit fee, attorney fee, inspection fee, title fee, e.g. ). TD Bank has not been transparent with its process. I was not able to amend the transaction with the seller due to TD 's inability to perform notwithstanding it has already given the commitment for me to close the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FMA Alliance, Ltd.
State: KY

Complaint narrative:
I was contacted XX/XX/20 and again today XX/XX/20 from XXXX by a XXXX or XXXX XXXX claiming to be from FMA Alliance on behalf of XXXX XXXX  for a debt collection of $ XXXX. Wanted me to verify my information, which I would not do. 
Contacted XXXX XXXX directly on both occasions whom verified I have a positive account and nothing in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX P.S.T. I spoke with my lender and requested they extend the forbearance plan I was on due to financial problems related to Covid-19 and confirmed with XXXX XXXX in the loss mitigation department at Shellpoint that the forbearance was extended to XX/XX/XXXX. However I just received word that they are now saying they have not notes of the forbearance being extended and have placed a sale date on my home. I believe this is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX I made a wire transfer of CHF XXXX from my bank account in XXXX to my bank account in the US, electing to send the money in CHF and have the receiving bank handle the rest. There was a CHF 3 fee for this service on the XXXX  side, meaning that the amount deducted from my account was CHF XXXX and the amount wired was CHF XXXX. 

On XX/XX/XXXX, {$2900.00} was deposited into my Flagstar bank account. Talking to Flagstar, the amount of money received after fees was CHF XXXX, meaning that my money was exchanged at a rate of {$1.00} per CHF. 

Official exchange rates on XX/XX/XXXX and XX/XX/XXXX were {$1.00} per CHF, meaning that I should have received {$3000.00}. Compared to the {$2900.00} I actually received, this is a difference of {$78.00} in addition to the CHF XXXX  I was charged in fees.

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