vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX the stimulus payment was posted to an American Express Serve card as that was the option I selected through XXXX XXXX  for my tax return. I have been unable to access that money since as American Express has never sent me a card. When I was able to speak with someone they were unable and unwilling to overnight a card or provide any kind of tracking for a replacement. They simply said that I would have to wait and hope that the card comes. It has now been almost 1 month and I have still not received anything and it is now seemingly impossible to get a hold of anyone in their customer support department. In addition, my online access to the account has also been locked and I can not reset my credentials without any card details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: TX

Complaint narrative:
I have been a victim of identity theft and this has a balance of XXXX that Im not responsible for. A civil suit will be filed if items arent removed quickly. Im

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
A collection agency named ERC claims I owe {$5700.00} to XXXX, and they have added that to my credit report as well. 

I have never had any account with XXXX. I contacted XXXX and they agree they have no record of any account under my name or SSN. 

I believe that ERC is trying to charge me for an account that is not mine, either mistakenly or fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I noticed on my credit report a ding from XXXXTrue Accord. I reached out to XXXX to pay the balance but they wouldn't accept my payment. They then told me to contact True Accord and no one would accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: TX

Complaint narrative:
I had a Chase Southwest Rapid Rewards Visa Credit Card issued through Chase. I tried to work this situation out with Chase but got no resolution. I was charged the annual fee of {$69.00} before it was due. They are supposed to credit me back my {$69.00} as I cancelled the card today before the deadline of XX/XX/2020. They acknowledge that I cancelled in a timely manner and that they owe me the {$69.00}. I have a {$47.00} balance on the card that is due in XXXX of 2020. Chase owes me more money back than I owe them. Chase expects me to timely pay my Chase Credit Card for the {$47.00} balance or Chase will go after my credit. I was told by a representative of Chase that I will have to wait six months to automatically get my {$69.00} back. Also, they put the burden on me, the consumer, to keep calling them back if I want my money any sooner than six months but Chase does not say when I should call back.. However, it did not take Chase six months to charge my Credit Card the {$69.00}. I do not understand why it takes Chase six months to give me my {$69.00} back. It is not being returned to me, the consumer, in a timely manner after I cancelled the card. Also, it is not the {$69.00} amount owed it is the principal and fairness of the matter. I am sure Chase does this to every consumer who cancels their card because of they have decided they do not want to keep the card and incur the $ XXXX  yearly fee. I believe Chase does this so they can keep money that is not theirs, for an unreasonable and extraordinary period of time, so they make interest off of each of the {$69.00} amounts. That is a lot of money when you add up all the consumers Chase does this to. 

I know Chase has the physical ability to credit an account immediately. When you call a credit card company and want to dispute a charge they automatically credit the account for the amount disputed. This credit is on the account until the dispute is resolved one way or the other with the merchant. When the merchant making the charge/fee to the account is Chase it leaves the consumer, in this case me, with no recourse except to file a complaint with a Federal Agency. 

Chase requires their consumers to timely pay their credit card bill or be charged fees and interest. However, when Chase owes a consumer money, the {$69.00} in this case, Chase keeps and uses that {$69.00} without the consumer 's permission. Chase then takes six months to pay the {$69.00} back. I believe this is an outrageous amount of time to return the {$69.00} to each of those consumers. Chase is also charged no fees and no interest for keeping and using this {$69.00} that is not theirs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 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 applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I looked through each of those accounts and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts in my name using my personal information. I did not benefit anything from those accounts and I did not make any payments towards any of these accounts. I don't know who opened these accounts without my permission so I reported it to the police as well as the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On XX/XX/2020 an UNAUTHORIZED CHARGE of {$560.00} was found on checking account XXXX within 24 hours. A phone call was made within 24 hours of the posted transaction ( documented on phone logs via XXXX ), a Written Statement of Unauthorized ACH was signed and mailed, with documented and filed multiple copies. All Arvest Bank Dispute Guidelines were fully met to Dispute and Credit the checking account from this fraud. 

A statement was received much later from a Representative named XXXX XXXX as follows, '' Unfortunately, we ( Arvest Bank ) have to end our relationship with you because you had your account broken into. You are a high risk to our relatively new bank formed by the XXXX Family. We're looking for better customers than you to improve our community image as fictionalized in our television commercials. We will not dispute these charges on your behalf even though they meet the guidelines for fraud reporting. Furthermore, we will deny that we ever sent you correspondence regarding this matter and will state all documentation as counterfeit. Good Day. ''

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 2020-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
Security finance in Louisiana calls my phone just about every day. I have put this personal loan into a debt consolidation program and they have sent power of attorney and communication by mail. They are still harrasing me and calling my work when I told them not to. Being very nasty attitude. This has been non stop since XXXX. They are even harassing my family and threatened to turn me over to a lawyer and garnish my wages.

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 2020-05-12 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: Coinbase, Inc.

Complaint narrative:
on the XXXX XX/XX/2020 i first contacted Coinbase support as they restricted my account for a completely unapparent reason. this has made it impossible for me to withdraw my money after i sent 4 tickets their last response was " Coinbase reviewed your account and has determined that you are not eligible to use the Coinbase platform to purchase cryptocurrency or use our deposit services. As such, you are no longer eligible to link any payment methods. We are not able to provide you with any additional information '' this is very distressing i know longer know who i can trust and i am afraid using any other financial services over the internet. 
i have XXXX  us dollars sitting in the account and it may not seem alot to some but i worked hard for that sum

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
I was attempting to refinance my mortgage with Amerisave. 
I submitted a loan application on XX/XX/XXXX, and paid {$500.00} ( via credit card ) on the same day. I was told that this would be the only upfront costs, and that I should expect to close by mid XXXX before my next payment was due ( XX/XX/XXXX with grace period ). I was told I did not need to lock the rate. 
After this point Amerisave began sending automated texts requesting information. 
The only information that the Amerisave website tells me I need to provide is proof of funds for a total of $ 12-13K - which is inconsistent with the information that I only need {$500.00} up front. At this point I have checked the disclosures and the disclosures all inaccurately show that I would need > $ 12K at closing. 
Communication from the loan originator and loan processor are extremely slow and unresponsive. 
I sent texts to the Loan Originator on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX with no response from the loan originator. I did receive numerous automated text requests for the proof of funds. 
I left voicemails for the Loan Originator on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX. No call-backs were received. 
I received a survey on XX/XX/XXXX, and provided negative feedback. That feedback was responded to quickly with a statement that they were just waiting on the subordination paperwork. 
On XX/XX/XXXX I received an email stating I had new loan disclosures. Per the above, those disclosures are incorrect. 
On XX/XX/2016 and XXXX I sent emails requesting that the loan originator call me to discuss status. Those met with no response until XX/XX/XXXX. 
On XX/XX/XXXX, I received an email stating basically that it was OK that the disclosures were incorrect. The loan originator committed to call on XX/XX/XXXX which did not occur. 
On XX/XX/XXXX, I sent an email indicating that I had not received the advertised call. 
On XX/XX/XXXX, the loan originator sent an email indicated he had been out due to a family emergency but that he would call me that day. That call did not occur. 
On XX/XX/XXXX I sent an email re-iterating that the disclosures were incorrect, that the lack of quality communication was a problem and that if I did not close by XX/XX/XXXX I would pursue taking my business elsewhere, and seeking a refund of the fee paid. 
On XX/XX/XXXX, the loan originator sent an email indicating that they were still waiting on subordination and would check status before calling back. I have received no communication from the loan originator since this date. 
At this point I am out of pocket for {$500.00} upfront costs, plus the lost savings from 2 months mortgage payments which would total about $ 400-500 per month.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 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: DISCOVER BANK
State: NC

Complaint narrative:
I have been the victim of Identity theft due to several security breeches since XXXX there are now multiple companies including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Fin. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies are report information not belonging to me I have reported this to my local authorities as well as the FTC. I have filed multiple disputes with all three credit reporting agencies. This is causing a social and financial strain on my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
Transunion reporting of XXXX XXXX XXXX this account was paid to the original creditor XXXX XXXX 1. XXXX XXXX did not buy this debt so they did not own it 2. If they do not own it they should not be reporting anything about this debt.

3. arrangement was made with the original creditor and settled

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 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: CO

Complaint narrative:
SOMEONE HAS OPEN SEVERAL ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND ID NUMBER I DID NOT OPEN THESE ACCOUNTS THE ACCOUNTS ARE FRAUD AND I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
To my under standing XX/XX/XXXX through XX/XX/2020, the interest rate is set to 0 % and payments are suspended for student loans owned by the federal government and the federal student loan servicer should suspend all interest After viewing my fedloan account XX/XX/2020 I noticed that fedloan charged me interest for the month of XX/XX/2020 as well as XX/XX/2020 stated above 0 % interest was to be implemented starting XX/XX/2020 my payment of {$660.00} was paid on my due date of XX/XX/2020 payment was not applied to my account until XX/XX/2020 and with interest My payment made on XX/XX/2020 XX/XX/2020 Payment {$660.00} principal {$180000.00} This payment was applied to the following loans : DIRECT SUB CONSOLIDATION   LOAN interest charged {$160.00} DIRECT UNSUB CONSOLIDATION LN interest charged {$250.00} DIRECT UNSUB    CONSOLIDATION LN interer charged {$240.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2020 Payment {$660.00} principal {$180000.00} Payment - XX/XX/2020 This payment was applied to the following loans : DIRECT SUB CONSOLIDATION   LOAN interest charged {$170.00} DIRECT  UNSUB CONSOLIDATION LN interest charged {$260.00} DIRECT  UNSUB CONSOLIDATION LN Interest charged {$220.00} There's no difference in the principal an if interest is not being charged I should see my principal going down as you can see the principal for XXXX remain the same big discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
on my credit report under all 3 credit bureaus, its shows multiple entries for the same debt ... 
this debt is not even mine. 
called the collections companies and they state they show nothing for me but yet leaves it up to me to clear out of my credit reports. 

CommonWealth Finance Collections XXXX called XXXX @ XXXX ** they have the following debt listed 2 times on my credit report- XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX called XXXX @ approx XXXX ** they have debt listed 1 time- XXXX XXXX XXXX   XXXX {$2200.00} I also called this " XXXX XXXX XXXX   XXXX '' @ XXXX on XXXX @ XXXX and after review they DO NOT have anything listed for me as a debt, not sure why 3 entries to 2 different credit agencies would have this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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:
I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I looked through each of those accounts and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts in my name using my personal information. I did not benefit anything from those accounts and I did not make any payments towards any of these accounts. I don't know who opened these accounts without my permission so I reported it to the police as well as the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

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 2020-05-12 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:
I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I looked through each of those accounts and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts in my name using my personal information. I did not benefit anything from those accounts and I did not make any payments towards any of these accounts. I don't know who opened these accounts without my permission so I reported it to the police as well as the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

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 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company has harassed me about a account that Im supposed to have however have a card now with a balance of XXXX with a limit of XXXX. Im a victim of identity theft and dont understand whats going on. Im going to file civil suit for the harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I was with XXXX XXXX XXXX and decided to switch to a different company. I emailed XXXX letting them know that I switched insurances and submitted my new policy to the. XXXX cancelled my insurance in 2019 and said I had a balance. I them emailed them again asking that they send me a new invoice minus the days I switched to a new company. They never did. Fast forward a year I now have negative report from XXXX on my credit report and not once did they update or send a new invoice.

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 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
I have paid off my debit with LTD financial in XXXX. They said they would send out a settlement letter stating that it is paid in full which I have. I have provided it to XXXX but they wont take it off my credit report or notate that it is paid in full. I did the same thing with XXXX and they completed everything. I would like for them to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
Made several calls XX/XX/XXXX and XX/XX/XXXX that went no where to assist in removing the account. 
Couldn't get an actual person on the phone to describe my issues and assist. One person would route me to another number then that number would send me to another company but nothing can get resolved.

Company response to consumer: Closed with explanation