vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC
State: NH

Complaint narrative:
I paid my property taxes in full but was informed that my mortgage company ( HarborOne ) had escrow and were supposed to deal with it. I've requested several times for someone to figure this situation out as I believe I may be owed money. I have been placed on hold for an extensive time, I've been told to go to someone in the mortgage department, which I did. then i was told by that person to go to the mortgage service center ( the same place I've been put on hold ). People are kicking this issue around and I'm not happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting and account on my credit file that is actually past the statue of limitations. I have disputed it with the bureaus and XXXX has said the information they are reporting is accurate. That is not accurate. There has been no payments or activity on that account for over 7 years. They sent a correspondence showing the last four of the  account number as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DPTEDXXXX  XXXX {$14000.00} USDOEXXXX  XXXX {$420.00} XXXX XXXX {$740.00} XXXX XXXX  XXXX {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DPTEDXXXX XXXX {$14000.00} USDOEXXXX XXXX {$420.00} XXXX  XXXX {$740.00} XXXX XXXX XXXX {$460.00}

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 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has recently started charging cash advance fees for peer-to-peer transactions made with its credit cards, despite placing a statement in the XXXX XXXX XXXX and other media saying they do not do this. 

On XX/XX/2020 I made a XXXX transfer to my friend using a Chase credit card. I was concerned about being charged Cash Advance Fees, so I tried to look up Chase 's policy on the issue. In the past, Chase had not charged me cash advance fees for XXXX peer-to-peer payments but I wanted to be doubly sure. The transaction was for {$260.00} and Chase charged me cash advance fees of {$13.00} and interest of {$2.00}. 

I found this XXXX XXXX XXXXXXXX XXXX from XX/XX/2020 XXXX see attached PDF ) titled " Beware the Fees That Come With Some Money Transfers on Apps '' with the statement : " Chase is not charging its credit card holders the cash advance fee for peer-to-peer payments, a spokesman said. ". I was reassured by this very clear statement in the paper of record and proceeded with my transaction. 

Chase then charged me a 5 % cash advance fee as well as interest on the payment starting immediately. When I contacted them about their company 's explicit position, they said the XXXX was inaccurate and the statement was not official company policy. They refused to refund the fee, even as a one-time exception. They refunded the {$2.00} in interest, but not the much larger cash advance fee. 

In short, Chase made a statement for the good publicity in the XXXX XXXX XXXXXXXX, but failed to honor their word and was charging their customers unadvertised fees anyways. When called out on it, they have instead doubled-down and are accusing the XXXX  of publishing a statement without their approval, even though the statement comes directly from a Chase spokesperson.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In addition to an existing complaint # XXXX. I have previously filed a complaint trying to figure out where a {$9000.00} check went. A Bank of America 0 % interest check was mailed out to XXXX XXXX  on XX/XX/XXXX in the amount of {$9000.00}. to pay down a home equity loan. XXXX XXXX said they never received it and Bank of America said they did because it was cashed. They forwarded me a copy of the check front and back. It was endorsed by XXXX XXXX which is not how I spell my name and it was made out to XXXX XXXX so XXXX XXXX should not have been able to cash it. Bank of America had an open fraud case on this from XXXX to XXXX and after all that time they sent me a letter saying I am responsible for paying this {$9000.00} that is sitting in someone else 's account. Initially I assumed someone inside XXXX XXXX  was behind this because another check that was sent directly from XXXX XXXX for {$13000.00} was also being investigated because it wasn't posting to the equity account. I was later recovered and I'm assuming they figured it out. However XXXX XXXX informed me that check appeared to be that of a mobile deposit. Which I never knew. Bank of America was working on this for 7 months and never told me that. I don't understand how a check for such a large amount was able to be deposited without a license or proof of identity. That is so wrong. .I don't know understand how I'm responsible for this fraud. Please help me to figure this out as I do not have that king of money to pay for the banks error on letting this go through.

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 2020-06-19 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:
XX/XX/20 today I send the report because I found many accounts not mine this is fraud accounts.

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 2020-06-19 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:
XX/XX/20 today I send the report because I found many accounts not mine this is fraud accounts.

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 2020-06-19 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: GA

Complaint narrative:
This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulent accounts and Inquiries they are reporting but to my surprise, this company still insist on reporting these fraudulent accounts & Inquiries even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from these accounts & Inquiries. Fraudulent Accounts? 1. 
XXXX, Account # XXXX 2. XXXX XXXX  XXXX, Account # XXXX 3. XXXX XXXX, Account # XXXXXXXX 4. XXXX XXXX, Account # XXXX Fraudulent Inquiries!? 1. 
XXXX XXXX  XXXX Date Filed XX/XX/XXXX 2. XXXX XXXX XXXX Date Filed XX/XX/XXXX 3. XXXX Date Filed XX/XX/XXXX XXXX. XXXX XXXX Date Filed XX/XX/XXXX 5. XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX. XXXX Date Filed XX/XX/XXXX XXXX. 
XXXX Date Filed XX/XX/XXXX XXXX. XXXX Date Filed XX/XX/XXXX I still wonder why are you reporting, contrary to that law that states : Fraudulent accounts to be removed within 4 days from receiving proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them 2.My FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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:
In XXXX I have disputed a charge for {$28.00} with a merchant XXXX XXXX as there was a problem with the transaction. I contacted the merchant and he agreed to issue a full refund after receiving the merchandise back. 
The merchandise was sent and received and instead of full refund Mr XXXX issued small four refunds that didn't amount to the total of the purchase. 
I have contacted Barclay Card and disputed the purchase. I was then told that the remaining balance will be disputed to make sure that the full amount of purchase is credited. However on XX/XX/XXXX I received a notice that the Barclay Card only credited {$1.00} to my account. 

1 ) Why the overseas call center personnel misleads consumers?

2 ) Despite a long wait, the BarclayCard is issuing a statement that it provides no longer a card suspension service on the phone in violation of its credit card agreement and US laws. It is using a COVID-19 excuse to suspend it services to the cardmembers offering only an online option that is unavailable to people with poor or non existent internet connection.

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 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VW Credit
State: TX

Complaint narrative:
I've been receiving harassing calls every day for weeks from XXXX XXXX XXXX XXXX XXXX, despite blocking the number. They claim to be collecting a debt from Volkswagen Credit, though I've never had an account or any financial dealings with Volkswagen Credit. I called the company on XX/XX/XXXX to have my number removed since blocking it on my phone didn't work, but was required to verify name, address, date of birth, and last four of my social before they would tell me anything further about the claim. They also refused to remove my number unless I verified that information. I would and will not verify any of that private information, and they informed me I will continue to get calls but they will not give me any information regarding the claim or remove my number unless I verify the private information. I suspect this is an identity theft scam since the VW brands had a data breach in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I'm trying to make a deposit into the XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: PA

Complaint narrative:
I recently requested my credit reports and found some fraudulent accounts had been opened in my name.

Transunion- Report # XXXX Is reporting two fraudulent accounts that do not belong to me : *XXXX XXXX XXXXXXXX XXXX XXXX orginator of the debt ) * XXXX XXXX XXXX- ( fraudulent auto loan/lease ) I have directly contacted this credit bureau with my dispute, I need your assistance at this point. 

XXXX Report # XXXX Is reporting a fraudulent account from XXXX XXXX XXXX XXXX auto loan/ lease0 This account is not mines and was opened in fraud.

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 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
My issue is with American Express and their illegal practices on an account that originally opened in XXXX as a Basic Green Charge Card with no limit. I maintained the account with excellent repayment history. Thus, excelling to both Gold and Platinum status subject to paying yearly fees as a Member. 

In XXXX, when the market crashed. American Express reached out to me and asked me to summit Earnings, Profit and Loss Statement on a recorded line. I refused to do so and shortly thereafter out of retaliation they suspended my account and forfeited my XXXX points equal to {$1.00} spent. So {$150000.00} spent to earn this point status. American Express breached the agreement as there was nothing in the agreement that said that I needed to submit a Earnings Profit and Loss statement to maintain my account and if I failed to do so my account would be cancelled and the points would be forfeited. 

The account was in excellent standing with no late payments. And they constantly changed the rates because a carried a balance on the credit side of the card. So I was subject to outrageous fees. I continued to pay them but missed the benefits of using my card and most importantly using the points that I rightfully earned. 

In XXXX, I started being told by American Express that I was no longer financial responsible for paying the account due to a law suit. I continued to pay upto XXXX and noticed that they had deleted my account from my credit report. It was at that point I stopped paying and realized that whatever happened int he lawsuit I was no longer responsible. In XXXX I applied for a XXXX XXXX and was approved. Shortly, after I received the card. Oddly American Express started reporting the deleted account back on my credit report as CHARGE OFF! damaging then my XXXX XXXX XXXX. 

I am more than disappointed with American Express as I feel very discriminated against and a target for their loss with the market crashed on XXXX. They had a wonderful paying customer who paid on time. They stole my points from me in which I was entitled to. And then at XXXX balance they told me I did not need to pay any longer. I would have rather them give me my card status back and make the balance XXXX in exchange for the wrongful forfeiture of my hard earned points and the outrageous money they made off me from their high interest rates, and member fees far exceeded their so called {$15000.00} charge off which is fraudulent. I am very certain your company is aware of similar matters with American Express. I simply want justice before engaging an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
There is a collection on my credit from I>C systems for a medical bill that I do not owe. I called the hospital where they allege it is from and they confirmed that my insurance paid the bill and I only had a balance of XXXX. I paid the XXXX XXXX at TX XXXX the XXXX, However this collection agency refuse to remove this error from my credit. This has caused me to be denied credit and it is defaming my character. I asked I>C system to validate the debt and they refuse to do so

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 2020-06-19 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 recently requested my credit reports and found some fraudulent accounts had been opened in my name. 
XXXX Report # XXXX Is reporting two fraudulent accounts that do not belong to me : *XXXX XXXX XXXXXXXX XXXX XXXX orginator of the debt ) * XXXX  XXXX XXXX- ( fraudulent auto loan/lease ) I have directly contacted this credit bureau with my dispute, I need your assistance at this point. 

Equifax- Report # XXXX Is reporting a fraudulent account from XXXX XXXX XXXX XXXX auto loan/ lease0 This account is not mines and was opened in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: PA

Complaint narrative:
I recently requested my credit reports and found some fraudulent accounts had been opened in my name. 
XXXX Report # XXXX Is reporting two fraudulent accounts that do not belong to me : XXXX XXXX XXXXXXXX XXXX XXXX orginator of the debt ) * XXXX XXXX XXXX- ( fraudulent auto loan/lease ) I have directly contacted this credit bureau with my dispute, I need your assistance at this point. 

XXXX Report # XXXX Is reporting a fraudulent account from XXXX XXXX XXXX XXXX auto loan/ lease0 This account is not mines and was opened in fraud.

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 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulent accounts and Inquiries they are reporting but to my surprise, this company still insist on reporting these fraudulent accounts & Inquiries even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from these accounts & Inquiries. Fraudulent Accounts? 1. 
XXXX, Account # XXXX 2. XXXX XXXX  XXXX, Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX XXXX, Account # XXXX Fraudulent Inquiries!? 1. 
XXXX XXXX XXXX Date Filed XX/XX/XXXX 2. XXXX XXXX XXXX Date Filed XX/XX/XXXX 3. XXXX  Date Filed XX/XX/XXXX 4. XXXX XXXX Date Filed XX/XX/XXXX 5. XXXX XXXX XXXX Date Filed XX/XX/XXXX 6. XXXX Date Filed XX/XX/XXXX XXXX. 
XXXX Date Filed XX/XX/XXXX 8. XXXX XXXX Filed XX/XX/XXXX I still wonder why are you reporting, contrary to that law that states : Fraudulent accounts to be removed within 4 days from receiving proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them 2.My FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX CBCS CBCS XXXX XXXX XXXX XXXX ( XXXX ) XXXX I Spoke with XXXX at XXXX on XX/XX/XXXX. 
I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by CBCS for me, [ XXXX XXXX ], for account number XXXX. 
Due to possible inaccuracies in these credit reporting agency reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 

Please know that you have 30 days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from the credit reporting agency reports. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief