vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
Money was already taking from my bank account, but they say that they need kore information, I already try to submit it, but they do not give me the option to cancel or submit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
A few years ago I signed up to take a course with XXXX XXXX. I made one payment and received one book and I called the school letting them know I will not be able to continue the course and after that phone call I never heard back from the college no emails, no phone calls, no mails. When I check my credit report and I notice Ability Recovery Services states that owe this XXXX money. At some point they remove the debt and then add it back on which is totally illegal. 

If I owed XXXX XXXX any funds, why didn't the school reach out to me or sell me my debt for whatever percentage it was sold to Ability Recovery Services. 

This Company is a scam and they need to be stop.

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 2020-04-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting that I have several delinquent accounts. I received a letter from XXXX  during the month of XXXX when I decided to purchase a new vehicle. One of the reasons for denial was too many delinquent accounts. My credit is in good standing and all bills are paid on time. When I spoke with the representative all she could tell me is not to worry about it. I am not going to sit around and not worry about it. This is my credit and the only credit reporting agency XXXX  included in their letter were statements about my credit provided by Equifax. I would like the correct information put in my credit report. There is np proof of any accounts being delinquent. They also have an older page on line when my score was in the XXXX. My score is now XXXX and above. I am very displeased with their services. This is people 's lives they're playing with and they need to submit truthful, not unethical information concerning folks credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
Subject : my Mortgage overpay is lost My name is XXXX XXXX I bought a house on XX/XX/2020 My lender was XXXX : XXXX XXXX # : XXXX My first payment was due on XX/XX/2020 with the amount of {$3600.00} I made payment by phone on XX/XX/2020 with the amount of {$5500.00} i.e. I overpaid {$1800.00}. My mortgage agreement allows me to pay more. 
I have all the receipts that prove this fact. 

The XXXX  did not put the overpay towards my principal, they just keep this amount {$1800.00} and refuse to return back. 

I contacted them multiple times by email and phone ( I have all the emails ) They confirm the fact that received overpay from me, but refuse to put it on my account or return back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am submitting a formal compliant to request resolution of my XXXX XXXX cruise payment of {$2000.00} refunded back to my American Express account. In good faith I booked my trip with XXXX XXXX prior to the COVID-19 outbreak. On XX/XX/XXXX, The United States, State Department advised all Americans not to travel on any cruise ship due to the COVID-19 pandemic, warning that cruise ships presented a higher risk of coronavirus infection and made U.S citizens vulnerable to possible international travel restrictions, including quarantines. I canceled my trip with XXXX XXXX XX/XX/XXXX and requested my {$2000.00} refunded back to me. They stated a credit would be offered and I advised them that is unacceptable and cancelling the trip was out of my control. I booked my trip along with my family and we all had to cancel our trip. My family members were given their refunds back, but XXXX XXXX is stating I can only receive a cruise credit to use by XXXX. This is unacceptable based on the current crisis we are currently facing with COVID-19. I dont know if or when taking a cruise will be safe again. I spent {$2000.00} on my cruise trip and this is a large amount of money to hang in limbo. I do not know if I will ever feel comfortable taking another cruise and my {$2000.00} should be refunded back to my American Express card. I filed a complaint with AMEX and they refunded my {$2000.00}, but XXXX XXXX stated their policy states they would not refund, so AMEX reversed the {$2000.00} again. The XXXX XXXX policy is outdated based on the unprecedented crisis we are in with COVID-19. Along with the fact that canceling my trip was out of my control and strong advisement from the United States, State Department XX/XX/XXXX notified all Americans not to take cruises. I can not not afford to have {$2000.00} of my money hanging in limbo with XXXX XXXX, thus I am requesting to have full refund placed back on my AMEX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was trying to obtain a loan from XXXX but I was denied the loan. I then requested my credit report which identify TD Bank USA/Target credit card account.I am stating categorically that ever since, I never use store credit card apart from XXXX XXXX  credit card.Again my bill always pay in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent several certified letters disputing several collection accounts on my report. 
Equifax has either NOT responded or asked for proof of ID. Other Credit bureaus have deleted the same reports, why is equifax being so stubborn and unreasonable?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I got an email that my score dropped. I looked and saw some new inquires. I also noticed some older ones that I don't recognize. I've been struggling with identity theft since I was XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX These are the unrecognized ones. 

I also noticed that when I applied for my car, they ran it 8 times. Is the dealership allowed to do that?

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 2020-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I applied with Chase Bank for the Paycheck Protection program within minutes of their website opening on XX/XX/XXXX. On Monday, XX/XX/XXXX, I received email confirmation and a link to fill out the full application. I began this immediately but midway through, realized I needed a tax document for payroll that I requested from my accountant. I received that documentation on XX/XX/XXXX and I returned to the link and completed the application. 

After that, I heard nothing from Chase. There was no confirmation that they received my application or the tax documents I submitted. The PPP fund is now out of money but Chase has communicated with me via their XXXX XXXX ( there is no way to contact Chase bank about the matter via phone and they have not responded to my secure emails in over a week ). Unfortunately, Chase has told me that I should have received an email email when my full application was submitted. I have this documented they said this. However, no other Chase small business banking client Ive spoken with received a confirmation email and all of our applications were denied for lack of funding in the PPP. I believe Chase may have a system issue that prevented applications from being processed and I would like a formal response from Chase as to whether the bank is in possession of my application and the confidential tax documents I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: MN

Complaint narrative:
Unwanted daily robo-calls   with no option to talk to a person. This is a private, unlisted number NEVER used except by family. We have no debt that needs collection. Get rid of this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
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: TN

Complaint narrative:
I contacted XXXX XXXX and their collections agency XXXXXXXX XXXX XXXX regarding a pay in full settlement for account # XXXX. On XX/XX/2020 XXXX XXXX XXXX processed my payment in the amount of {$1300.00} as payment in full and on XX/XX/2020 sent a letter to me confirming that the account listed above has a balance of XXXX. I then dispute TransUnion 's and XXXX  's reporting of a remaining account balance of {$1500.00} but both credit reporting agencies ( CRAs ) respond that the balance is correct. This is impossible as I have evidence of payment made and payment receipt. Per the Federal Credit Reporting Act ( FCRA ) once I submitted my dispute the credit agencies are supposed to reach out to XXXX XXXX to verify account information including balance due in order to ensure my credit report is correct. Per the FCRA the furnisher of information to a CRA is bound to provide accurate information. That said it appears that both CRAs were given incorrect information by XXXX  XXXX  which is a violation of the FCRA and allows me the right to sue in state or federal court. A copy of this complaint has been forwarded to the XXXX XXXX XXXX XXXX Illinois and other appropriate entities.

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 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
I applied for a loan with prosper last year for the amount of XXXX to do home remodeling. 

After making all of my payments on time, I decided to change my payment due date because of the XXXX and XXXX XXXX  unexpected expenses. 

They agreed to change the date from XX/XX/XXXX to the XX/XX/XXXX the following month. 

They errouniously took the payment out on the XX/XX/XXXX any way after we agreed to change the date to the XX/XX/XXXX. 

The payment caused me to have to pay over draft fees that they refused to reimburse to me. 

I eventually made my payment the next month and they would not waive the fees and they did no honor the skip a payment that we all agreed upon. I do have emails showing proof. 

Therefore they sent my account to a collection agency when it was not ever 30 days past due. 

By any rate I have still made my payments to prosper because I'm not late nor did I sign a contract with any other company. 

As a way of getting back at me and causing me to have bad credit they did not debit the money from my account when I paid my bills on the XX/XX/XXXX and XX/XX/XXXX. on time. For the XXXX debit they took the money out 3 weeks later after I called them to find out what was going on. 

When I checked my credit report they are reporting me as 30 days past due erroneously. 

I tried several times calling and emailing them and they have not returned my call. 

Please assist me in this matter because I feel that they are deceptive loan sharks.

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 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express continues to ding my credit report for delinquent account, sometimes multiple times a month, even though a settlement has been reached and payments are being made pursuant to the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I ordered my credit report through annual credit report back in XX/XX/XXXX but it hasn't arrived, i used them back in XXXX of XXXX and it showed up in the mail so i dont know if they changed something since then or if something else went wrong. Im sending this to you here because XXXX XXXX XXXX doesn't have a phone number of email i can contact and you have 100 different departments that i don't want to have to go through over the phone, its easier for me to ask on here. Can i receive my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
US BKPT CT GA XXXX # XXXX LEXISNEXIS IS IN VIOLATION OF 15 USC 1681 ( a ) ( 4 ) They Infringed upon my right to privacy as a consumer.

( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

LEXISNEXIS IS IN VIOLATION OF 15 USC 1681b. ( a ) ( 2 ) I never gave them written consent to furnish this information. There is no such thing as public information a consumer has a right to privacy. 

a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I spoke about my XXXX $ i have been paid on XX/XX/XXXX, i splain didnt have job for covi19, but i waitinng for money..he rescheduled a paynent for this moth XX/XX/XXXX th ..But the company OPORTUM.whos i always ii paid on time and its my XXXX loan sent me a letter charge me late fee snd interest, i called back again and they didnt want eraser the late fee and intereses for late they didnt understand, iwe have and emergency problem. and dont have work ... i tried paid the late amount but they still want charged me late fee and interes rate ..they dont want help ..i want paid but not interes rate not late fee ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CapitalOne charged me back twice for a disputed charge that occurred in XX/XX/2019. Due to dissatisfaction with the merchant I contacted Capitalone to dispute the amount of XXXX $ they requested more information that was provided and then without giving mr the courtesy of a phone call or letter charged me back the amount twice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
There is an account from portfolio recovery, which has been open in my credit reporting agencies account and it is indicated that the account is under collection which was opened in 2years and 11 months ago. I don't know why they have the account as open for two years and i have never signed any contract with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
My credit score dropped 200 points in one year when nothing has really changed as reported by all three credit bureaus. 

I moved from XXXX  to XXXX  in XX/XX/2019. In XXXX  I had a house that I bought for {$86000.00} and I owed {$40000.00}. I sold the house and moved to XXXX. In XXXX, I was with XXXX  XXXX XXXX and had one credit card that I owed a thousand or so but paid all when I sold my house. 

I bought a house in XXXX  for {$76000.00} and now owe about {$40000.00} on it. There are no XXXX  XXXX XXXX banks here so I transferred my account to XXXX XXXX. With XXXX I have the same checking and savings like in XXXX. I have one credit card with XXXX and owe about {$2000.00}. 

So everything is almost identical except I live in a different state and my bank and house changed. 

Another problem is hard inquiries to the credit bureaus by XXXX XXXX. The inquiries stay on for two years and also cause a drop in score. XXXX XXXX makes a hard inquiry about every 15 months so it is a constant hit on my credit. I have not for 20 years even applied for anything from XXXX XXXX.

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