vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On Monday XXXX I reloaded my prepaid American Express card. I tried to pay my cellphone bill XXXX. The first time my card was declined. No problem, I probably typed too fast I thought. Tried it again and it was declined. My account was hacked before, so I went to check my balance on their app. I discovered I'm locked out of my account. Username, password, security question all wrong. I tried to reset it, and that wouldn't allow me to. I tried to call their customer service number, but after XXXX minutes on hold I gave up. I went to their XXXX page and discovered other people are having the same issue, if not worse and since way before me. Some have been having issues since XXXX. I've been calling every American Express number I can find since. Each time I'm on hold for 2 hours before they drop my call. I can't get my money, I can't pay bills, I can't buy food.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Credit card used : Barclay Card US Purchased a flight on XXXX but flight was cancelled due to Covid 19 XXXX booking ID : XXXX / XXXX XXXX booking code : XXXX Amount : {$510.00} My credit card statement shows XXXX XXXX charged my BarclayCard, but XXXX is not refunding me. First they asked for {$100.00} processing fee, then they lowered it to {$80.00} fee. 
I do not believe I should pay any fee to get my money back for a service I never received. 
DOT says passengers should get refund if flights are cancelled by airline and mine was cancelled on XX/XX/XXXX, per XXXX XXXX customer service rep. 
Barclay Card says disputes can not be taken over phone. I submitted request for help twice online after calling. The helpline says disputes will be reviewed in 60 days!

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 2020-05-07 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: DE

Complaint narrative:
In XX/XX/XXXX, I realized that my personal information was compromised via identity theft. I reached out to all 3 credit bureaus and requested that they remove the information for XXXX XXXX acct # XXXX dated XX/XX/XXXX and XXXX XXXX acct # XXXX. Experian did their investigation XXXX XXXX and then XXXX XXXX was verified as accurate using the EOscar method of verification. Since then I have sent several copies of my drivers license, social security card, identity theft report as well as a personal letter requesting that the information is removed. Experian has used an EOscar menthod of investigation without and true explanation of how the accounts were verified. I requested original documents from Experian showin any written proof from XXXX XXXX or XXXX XXXX that the account belongs to me. I have requested verification and they respond that the account has been verified. I have received no documents that by law, I am entitled to. Experian is not only in violation of my FCRA rights, they are defaming my name by reporting fraudulent information on my credit report. I will be filing a report with the attorney general in my area as well as filing a complaint with the XXXX. From there I will be filing a lawsuit and suing Experian as well as XXXX XXXX and XXXX XXXX. I have attached a clear copy of my drivers license and social security card to verify my identity.

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 2020-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I took out a lease in XX/XX/XXXX with American Honda Finance.all my payment were made on time with no issues. I completed the lease and returned it. I never received any documentation from American Honda notifying me over the mileage/ damage fees. I was made aware of it when they reported a late to my credit file I immediately called them to find out what it is they then informed me what it was for and paid right away. They have a late reported on this account a 30 day late in XX/XX/XXXX. This is not accurate since I was never made aware of these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-05-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Removed my TransUnion credit freeze in late XXXXearly XX/XX/2020 so that I could apply for a new credit card and also explore interest rates to refinance my student loans during the interest rate cut/coronavirus financial crisis. I removed the freeze via their website, however, it soon became apparent that the freeze was not removed, as both credit card and student loan financial institutions called/sent letters/reported that they could not retrieve my credit due to a freeze in place by TransUnion. 
I called TransUnion and they said they were having issues with phone calls due to high volume, so I was placed on a wait for over 2 hours and never reached anyone. 
I then started to communicate with TransUnion via @ AskTU via XXXX XXXX. My conversations started with them on XX/XX/2020 ( file # XXXX ). After 9 days of communicating with someone via this method my issue is still unresolved. TransUnion promised me my issue would be resolved within 48-72 hours, only to reach back out to them 96 hours later after promising to remove the credit freeze and the rep saying there is no issue on her end. I have proven through screen shots that TransUnion continues to report my credit status as " Unknown? '' both on their website and XXXX app. I tried again applying for a credit card and was denied, receiving a phone call and letter stating there is a TransUnion credit freeze on file. I feel as if my credit is being held hostage by this company for several weeks now and I have no control over it. It is my credit! No one company should have the ability to hold up my right to apply for credit during this unprecedented time. I feel as if TransUnion is personally responsible and should be held accountable for not resolving a simple credit freeze issue over a matter of several weeks. Their delayed responses and lack of resolution is completely unacceptable as a consumer. There should be no computer glitch or high volume excuse allowed from this company, as I feel victimized in not being able to access my credit. I need help NOW, as I still do not have access to my credit 6 weeks later.

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 2020-05-07 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have tried multiple times via certified mail, email and phone calls to resolve this issue. 
I was charged for a service I never received after many phone calls emails and certified mail I've been told they can not help me. 
I'm including copies of the communication between myself and the Citi Credit Card. 
I'm being charged {$620.00} for a service that I did not get. 
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 2020-05-07 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: Total Card, Inc.
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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:
The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My complaint is that USAA ( *RETALIATES JUST AFTER MY TWO YEAR LONG FRAUD CLAIM IS WON & CREDITS PROVIDED {$470.00} XX/XX/XXXX for XX/XX/XXXX claim date ** VERY HOSTILE USAA REPS** ) & SUDDENLY MY ACCOUNT IS BLOCKED??? WITH ** usaa Unable to VERIFY ME OVER AND OVER AND OVER?? This block put on by usaa was not here before. DRAW YOUR OWN CONCULSIONS ** USAA REFUSES TO FIX THIS ISSUE AFTER COMPLAING MANY DAYS. IT IS NOT AN ERROR. USAA IS RETALIATING TO * PREVENT ME FROM RESOLVING MORE FRAUD ON MY ACCOUNT THAT WAS IGNORED FOR YEARS WITH NOT VERIFYING ME. I CALL ** RETALIATION **

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC

Complaint narrative:
To date I have received at least 10 calls on my cell phone from HRRG Collections which XXXX says collects medical debts. I do not have any medical debt and nor do I owe anyone for anything. They mask the calls to look like local calls and all the messages say do not delete this message and please call XXXX. XXXX says this is a company that used questionable tactics and do not contact them. They will harass you and increase the money they say you owe. I reported this twice to the XXXX Fraud Hotline and temporarily the calls stopped but always seem to start again. I always enter the number and block it on my cell phone but they change the number they are calling from and call again. 

I want these calls to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: Convergent Resources, Inc.
State: SC

Complaint narrative:
I have things on my credit that are not mine. Some that is in another state and I knew nothing about and wan na know how can I go about do this and clearing this up even if I have to take legal action

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 2020-05-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After months is disputing XXXX XXXX on my credit report I final had the lender submit proof that they are incorrect and because of a pending appeal I have with the XXXX XXXX XXXX district Court they will not validate or submit payment information i send Experian proof and they refuse to acknowledge my claim. The just re dispute the information if the information is inacurrate and the lender responded to my claim and I submitted that information to experian, and it has not been corrected then the information must be deleted i have been calling and sending verification request and neither the lender nor Experian have taken the time to review my continuing dispute. At this time they violated my rights and I demand the trade line be deleted.

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 2020-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I requested forebearance assistance about 2 weeks ago due to COVID 19 and to date have not heard anything. I did this on the internet website 53 baNK has. tHERE IS no one that picks up the phone in loss mitigation. I have still not heard anything and I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : DPT EDXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
We have our loan being serviced through PNC. Bank - we set up an online account this week with PNC.com and input our checking account information so that we may be able to start making recurring principal only payments to the bank. We already have our mortgage set up to be paid monthly through our checking account and are current and never been late. There is NO option for us to submit a principal only payment and the servicer stated that the only way we could even attempt to do that is we have to set up a checking account with PNC ( which we do not want to do ) OR we have to mail in additional payments. On their website they do not even give an option for principal only if we were to set that up so they can easily apply that to additional interest which we do not want. Our loan came with having no prepayment penalty and we want PNC to offer the option of making principal only payments on their website to all customers without mandating we have to set up an account with them and without them applying a directed principal only payment to anything other than principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase has an interest-saving purchase option through Amazon. I used that for a purchase for of {$940.00} that would not have had a final payment due until XX/XX/XXXX. Throughout the month, I made a couple big purchases for family members and sent that money in to lower the amount that would be billed as owed during the next statement cycle. Instead of reducing the balance and leaving the interest-saving balance intact, Chase removed my interest saving amount leaving me with a balance due in a month. Chase is insisting that I intended to pay off the XX/XX/XXXX balance. I need to speak with someone about adding provisions, so that I can pay this balance down without accruing interest. I called to discuss the initial response with Chase, left a message and didn't receive a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
I have had nothing but u=issues since day one trying to make payments. An earlier complain remains open unaddressed concerning the re submission of a payment they CLAIMED they never received but after I made payment submitted the first check and then charged me return fees. I have had nothing but difficulty making my current payment since their data base is non functional- see attached email and their automated attendant does not work. Trying to reach them and anyone who any type of capability during this Caronavirus ineffective. I understand that but as they continually remind people they are a BILL COLLECTOR- etc and they make that known and their response in returning or crediting money they should NOT have charged leaves a lot to be desired.

Company response to consumer: Closed with explanation