vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX, NJ XXXX - This address is associated with an account that is not mine please delete. 

XXXX XXXX Balance Owed : {$0.00} - I never had an account with this creditor. 

XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$6400.00} - I am a victim of identity theft and this is not mine. 
XXXX  XXXX Balance Owed : {$4100.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX Balance Owed : {$2600.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be 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 2020-09-19 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: NJ

Complaint narrative:
XXXX XXXX Balance Owed : {$0.00} - I never had an account with this creditor. 


XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$6400.00} - I am a victim of identity theft and this is not mine. 
XXXX XXXX XXXX XXXX : {$4100.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX  XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX XXXX : {$2600.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: DISCOVER BANK
State: AR

Complaint narrative:
In XX/XX/2020 we were billed {$56.00} on our Discover card for a purchase of shoes from XXXX XXXX dba XXXX. It turns our	 this was a scam company advertising a warehouse sale of Keen shoes. 
We never received the shoes and disputed the transaction in XXXX. We were initially refunded ( credited ) by Discover and the dispute was decided in our favor in XXXX. 
Then, in XXXX, XXXX sent something to Discover and the charge was re-instated. I called Discover and we were re-credited. Discover could or would not tell me how many times or how long they would allow Amor/Osborder to continue re-charging our card. It appears that this could continue for years.

Please require Discover to stop accepting re-posts of settled  disputes from scam merchants such as XXXX XXXX. 

Of note, we have been Discover card members for 30 years with a solid history of business with legitimate merchants and on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX - This address is associated with an account that is not mine please delete. 

XXXX XXXX Balance Owed : {$0.00} - I never had an account with this creditor. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX Balance Owed : {$4100.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX Balance Owed : {$2600.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be 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 2020-09-19 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I received a payment through my PayPal business account in the amount of {$2500.00} Not only have I still not received my money due to a " hold '' on my account, my money PayPal won't release to me, PayPal has also charged me a fee of {$160.00}. Im sorry but PayPal I'm over being used and robbed from use I pray the credit bureau can put a stop to this! 
Thank You for your time, XXXX XXXX PayPal account info user name : XXXX invoice XXXX payment of {$2500.00} from XXXX XXXX XXXX email : XXXX card ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Homespire Mortgage Corp
State: VA

Complaint narrative:
In XX/XX/2020 I submitted an application to refinance my house located in XXXX XXXX XXXX, XXXX, XXXX to XXXX XXXX Homespire Mortgage Personal Loan Consultant | NMLS # XXXX She ask me to send all support documents including tax returns, bank statement, financial statements..etc, which I sent immediately. 
XXXX reach out to me, she inform me that my application is pre approved for interest rate of % 2.25 For 15 year fixed. 
She told me the underwriter will reach to me for a final closing day. 
No one reach to me, I kept reaching to XXXX in weekly basis and she kept telling me that underwriter is backed up and wont give me a closing date. 
In XX/XX/2020 I reach to her again and told her that I need to close before the end of XXXX before the increase of the interest rate for refinance applied in XXXX. 
She assured me that my rate is locked and honored and that increase wont apply on my refinance. 
I Kept reaching out to her in a weekly basis and she kept telling me that the underwriter almost getting to my application. 
On XX/XX/2020 I reach to her to check the status and that what was her response : Im sorry I couldnt answer just now Im on the other line.The underwriter just got back to us late last night but has suspended the loan due to a debt to income issue with the file. 
Also during the application process she tried to push me to sign application with false info and I refused to do so and kept pressuring me to sign that loan application with false info and I told her this is fraud and I wont sign this application until all this info are corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I have a new collection show up on my credit report from XXXX XXXX XXXX for a city of XXXX XXXX. I have not lived in XXXX Texas since XXXX and had to clear all of these services before exiting the XXXX in XXXX. I report this info to all three credit Bureaus and to the collection company. While it was removed from two of the Credit bureaus TransUnion did not remove it and made no changes to my account.

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 2020-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is suffering a systemic breakdown during their mortgage software conversion. I have had to contact B of A 7 times with typical hold times of over an hour. The result of these calls leads to no action by B of A. 

B of A has made 5 incorrect entries in my account within the last month, they have corrected 4 of them. 

On XX/XX/20 I made my normal monthly payment, {$220.00}, and B of A immediately reversed it labeling it as " Misapplication Rev '' and adding it back to my outstanding balance. 

In essence I paid it and not given credit for it.

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 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
Without any proper notice I was informed that my account was placed on restriction. I only found out because my card kept getting declined when I knew I had funds available. So I called them. I called and they informed me that the state informed them to do that due to the unemployment fraud. I was told to submit and Id/ss card for verification purposes. I did that I was then informed that it would take 3-5 business days for funds to be available after documentation was submitted. They do not have any physical branches, just online backing so I had no access to my funds. This has been over a month and not be able to utilize my money. After 5 days my card still was declining I called back again. They then informed me that it would take an additional 10-15 days to remove a hold. I never received proper notice in addition unemployment never said they allowed this. I was informed that the  bank was its only institution. They dont operate together. Like US reliabank stated. Ad of today I still dont have access to my funds. Its been over a month.

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 2020-09-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: MS

Complaint narrative:
I have been recieving unemployment for 3 months n eppicard They locked it XX/XX/XXXX day in n day out i stayed on hold until finaly i got an amswerXX/XX/XXXX i used the card to withdrawl 2 days and it locked right back up and the process had started all over again.no one ever answers the phone eppicard unemployment Mississippi worst card customer servics ever

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: Total Card, Inc.
State: IL

Complaint narrative:
I made a payment on my XXXX XXXX XXXX on Friday XX/XX/2020 at XXXX pm. XXXX XXXX  failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because XXXX XXXX failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at XXXX XXXX by the name of XXXX XXXX ID XXXX. She pretty much said XXXX XXXX terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is illegal to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a XXXX, told me she doesnt know their schedule and failed at informing me how I can speak to a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Starting a claim XX/XX/XXXX because XXXX charged double for an item. They refunded the double charge. I then returned the item and never received the refund for the return. Called XXXX havent heard from them. Called Simple bank dispute team and was told to make another claim on XXXX XXXX. Called XXXX XXXX and was told new claim was never made and the would have to reinstate the claim. Ive sent emails to disputes department with screenshots of the order return confirmation. Ive messaged support team numerous times and still have no resolve. I tired of the run around and will just like this to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
My XXXX year old father called me to say he had just received a call from American Express saying they had an important message for XXXX XXXX. This made him concerned he was being targeted for fraud since he has nothing to do with my card, or his grandson 's card ( XXXX XXXX, XXXX ) I said I would call American Express and my son and ask what was going on and tried to put his mind at ease. 
I called the American Express fraud department to see if this was a legitimate call. The person in the fraud department said He would have to transfer me to find out how they got my father 's name and number, but it appears that i was two days late with my payment so could we please fix this first. I said no, my wife takes care of these payments and I will have her take care of it. From there he must have asked four times when I would pay, how i would pay, which account should he take the payment from, could i at least pay the past due  balance, he would like to make a note for the record that this payment will be made. It was total harasment - I called to report a fraud! 
I have no idea what privacy laws American Express violated to connect me to my father and then to reach out to him when he is not in any connected with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
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: AZ

Complaint narrative:
Hello, On XX/XX/2020 and my XX/XX/2020, my bank account was my Chase Bank checking account was withdrawn for the amount of {$1800.00}. 
XXXX by my mortgage company XXXX XXXX XXXX. 
When I contacted the mortgage company, they said that they were only able to refund a single payment for {$1800.00} because they only received one payment. The mortgage company has said that Chase bank stopped payment on the other, so it never showed in the mortgage system and thus doesn't exist. 
At this point I called my bank to report and resolve the error. Chase representative was quick to issue a credit. However, once a review was done on the account Chase saw one credit for {$1800.00} and reversed their initial credit from my account. So at this point I am back to having two debits for {$1800.00} and a single credit from the mortgage company for {$1800.00}. 

XXXX XXXX XXXX remains to state they only received a single credit, which they refunded, so a payment for XXXX was still due and I had to send them another payment to remain current for the correct mortgage amount of {$1700.00}. Chase Bank on their side informed me they filled the initial dispute incorrectly and was going to resubmit for the credit to be placed back to my account. 

Now, over a month later ( XXXX XXXX, 2020 ), Chase informed me that they are not going to help or correct their error and they consider that the matter is resolved. Meanwhile, I and missing a total of {$1800.00} that no one is willing or trying to locate. Its vital for my livelihood and my young family that this matter is taken seriously and resolve with locating my funds and adding them back into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/XXXX around XXXX a stranger approached me and asked me to deposit a check for them because they needed the cash since their account was overdrawn a large amount. I thought nothing of it since checks usually go right through and I proceeded to enter my information into the atm, I let the stranger deposit their check and he then asks me to withdraw the amount deposited and hand it to him. The strangers body language made me uncomfortable I didn't know if he had a knife, so I did as I was instructed and thought nothing of it. Approximately 15 minutes later it hits me that if the check bounces I'll lose that money. So I immediately call XXXX customer support and report that I've just been scammed. After at least 5 phonecalls they tell me there's nothing they can do.

Company response to consumer: Closed with explanation