vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-23 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 got my credit checked today XX/XX/19 because I want to refinance my car and I am unable to do so because there are several accounts reflecting badly on my credit report. There are about ten accounts on my report that are not mine. I had no idea that these accounts were open in my name before today ; I did not give anyone permission to open all of these accounts nor have I ever opened an account with any of those companies. I did not benefit anything from these accounts nor did I take part in any transactions that were made with these accounts. I do not have any signed or verbal contract with any of these companies and I filed a police report regarding this matter.

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 2019-11-23 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 got my credit checked today XX/XX/19 because I want to refinance my car and I am unable to do so because there are several accounts reflecting badly on my credit report. There are about ten accounts on my report that are not mine. I had no idea that these accounts were open in my name before today ; I did not give anyone permission to open all of these accounts nor have I ever opened an account with any of those companies. I did not benefit anything from these accounts nor did I take part in any transactions that were made with these accounts. I do not have any signed or verbal contract with any of these companies and I filed a police report regarding this matter.

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 2019-11-23 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am trying to apply for a mortgage loan but my mortgage broker can't reach to my EXPERIAN credit score or report. I have tried to reach the company several times over the phone, internet and mail, but i got no response. I wasn't able to solve this issue for months.

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 2019-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
A new mortgage company took over my mortgage and it started in XX/XX/XXXX all payments were made early and on time till five months later they took one of my payments and said they gave it to my original mortgage company and said it was because my original mortgage company had returned a payment in XX/XX/XXXX I called many times to resolve and was told if I send bank statement for XX/XX/XXXX that shows no refund was made they would put back the payment and I would not have to pay all the interest which is over a XXXX dollars now but after submitting the papers they denied it and said I still owe a payment and late fees

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
Nordstrom offered A {$60.00} CREDIT IF YOU WERE APPROVED, I WAS AND CHARGED SOMETHING ON THAT APPROVED CARD THE DAY YOU WERE APPROVED. 
I SPOKE TO XXXX FROM TDBANK AFTER TRYING TO DO THE EXACT OFFER ON A XXXX XXXX {$140.00} XXXX XXXX AND SHE SAID THAT I WAS NOT APPROVED BECAUSE 2 PEOPLE WERE USING MY SS NUMBER, I SAID LIKELY MY MARRIED NAME, XXXX AGREED BUT STILL DENIED THE OFFER OF {$60.00} CREDIT ON ORDER I HAVE XXXX XXXX. NO ONE ELSE IS USING MY SS #. XXXX LIED TO ME TO NOT GIVE ME THE {$60.00} CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I spoke with XXXX XXXX with Loan Depot on XX/XX/2019 to refinance our mortgage. 

I was told we locked a 30year conventional loan at a 3.5 % interest rate with no points or origination fees. 

When the 1st loan estimate came back there was not only a {$1500.00} origination fee there was {$4800.00} in points. 

After contacting XXXX numerous times and several emails he replied by saying he was able to waive the {$4500.00} in points but not the origination fee. We then signed the second loan estimate and necessary paperwork agreeing that there would be no points and they couldnt waive the origination fee. 

I have now received a 3rd loan estimate with {$3900.00} in points plus the {$1500.00} origination fee. 

I left multiple messages with my contacts and also tried to contact their managers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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:
Re : Violation of 15 U.S.C. 1681b ( c ) Verifiable Proof/Documentation of My Non-Existing Authorization/Signature DEMANDED Name :  XXXX XXXX Last Four Digits of Social Security : XXXX  Violation of 15 U.S.C. 1681b ( c ) : Unauthorized/Unlawful Hard Inquiry Offending Company : XXXX Date Placed on Credit Report : XX/XX/2018 Credit Bureau : Experian Dear Sir or Madam : I write this Complaint in a good faith effort to resolve the issue of this unauthorized/unlawful inquiry referenced above. Please note that this is not an acknowledgment or acceptance of said inquiry, as I did not seek credit with XXXX. Nor is this a waiver of my right to dispute this inquiry pursuant to and as allowed by 15 U.S.C. 1681 ( The Fair Debt  Collection Practices Act ). 

I recently received a copy of my Experian credit report. The credit report includes this unauthorized/unlawful credit inquiry by XXXX. I understand that, pursuant to 15 U.S.C. 1681b ( c ) governing transactions that are not initiated by consumer, XXXX and Experian, as the credit reporting agency, are prohibited from placing an inquiry on my credit file unless I have authorized it. As I absolutely have not authorized anyone at XXXX to review my credit file, please ensure XXXX   and Experian remove this offending inquiry from my credit file/report as it is damaging my credit rating and hindering my ability to establish credit. 

I have attempted to resolve this matter directly with XXXX and Experian to no avail. Therefore, I am contacting you, as the designated federal agency to assist consumers/victims of such Violations, to investigate and finally resolve the matter so that my credit file/report is accurate. 

I thank you for your sincere consideration of this matter, and look forward to a prompt and amicable resolution of this matter. 

Kindest regards, 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
Consumer complaint received 2019-11-23 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase Credit Card Statements Chase continually refuses to provide credit card statements that have a XXXX  balance at the end of the billing period, even though there was a beginning balance and activity during the billing period! I believe 12 CFR 1026.7 requires credit card companies to provide XXXX balance statements as long as there is any activity during the billing period ( e.g. payments, credits, charges, etc. ). 

According to your own web site, I read the following guidelines ; " Otherwise, you should generally receive a statement for every billing cycle in which your account has a credit or charge of more than {$1.00}, or on which a finance charge has been imposed. '' ( see https : //www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-i-dont-receive-my-credit-card-bill-en-43/ ). 

For instance, I did not receive the following periodic statements : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also did not receive other XXXX balance statements from prior years. It appears that they did provide XXXX  balance statements up through XXXX. 

I do receive XXXX balance statements from many other credit card companies, just not Chase. 

When I worked in the financial industry, one of the things we saw that indicated possible fraud on a credit card was a charge and a credit for just {$1.00} or some other small dollar amount ( to test the validity of the account number ). If a customer does not receive a statement, they would likely not even know that there had been suspicious account activity. 

In summary, my complaint is that Chase refuses to provide XXXX balance statements even though there is activity during the billing period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: MA

Complaint narrative:
On or around XXXX of 2019 I received a statement that showed 5 different APRs on my statement and a fraudulent charge. At this time I disputed the information in its entirety in accordance with the Fair Credit Billing Act ( FCBA ) in which I asked for a request for clarification of charges and APR as I believe the bill to be inaccurate. Please Note that this dispute was done in writing to XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX in accordance with Page 2 of the Statement with the account information, dollar amount, and a description of the problem. In addition this was down over the phone to XXXX as specified in page 2 of the consumer statement. During this time Page 2 specifically states " while we ( XXXX XXXX  ) investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount ''. Despite XXXX XXXX  own written statements and contract they have continue to attempt to collect the amount in question and have reported me to the credit report agency as delinquent. As of the date of this complaint I still have not been updated in writing to the status of the investigation or whether or not there has been an error. Due to the amount that was disputed being reported in violation of the credit card agreement and Fair Credit Billing Act ( FCBA ) which states that a consumer " may withhold payment on a disputed during the investigation '' in addition the FCBA also states that " the creditor may not ... report you as delinquent ''. After XXXX XXXX violation the card agreement and the FCBA the consumer reported the issues the the credit bureau and XXXX XXXX  once again report this a consumer as delinquent again a violation of the credit card agreement and federal law. Throughout this process XXXX XXXX  has not conformed to the Credit CARD Act by actively attempting to shield transparency from the consumer. In addition XXXX XXXX  has not conformed the their credit card agreement pacifically section 9B " How to dispute reports regarding your account '' which states that they will notify the consumer of the results " within 30 days ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I canceled a card number with last 4 digits of XXXX in XX/XX/XXXX. As of last week ( XX/XX/XXXX ), a bunch of fraudulent charges are coming through on the old card number and appearing in my current account. This should theoretically be impossible in the credit card industry as canceled card numbers should not accept new charges. I have informed TD Bank of this issue and they were perplexed about it and unable to stop fraudulent charges from coming through, even though they agree that the old number should be invalid. This indicates a larger concern about improper or broken credit card controls on TD Bank. This is related to the XXXX XXXX XX/XX/XXXX XXXX issued by TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019, I walked inside the JP Morgan Chase Bank Branch at XXXX XXXX XXXX, XXXX, TX XXXX ; within 10 minutes prior to closing. I kindly asked for a notary, which they have previously notarized documents for me a couple of times this year. However, XXXX was reluctant to notarize a document for me. Therefore, he asked the Assistant Branch Manager XXXX, to get validation from him to deny service. Consequently, XXXX then told me that he is not comfortable notarizing my documents. 

As a consumer, I have established a banking relationship with Chase via personal and business-related. In addition, I recently decided to share my business with chase by opening up a business account. Because of your staff 's unethical behavior, this does not satisfy my trust with Chase. Their actions were biased. I am a customer, and as a customer, the bankers are required to service the consumer 's needs without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Good evening, Transunion showed on my credit report that a bill was 30 days late in XXXX with XXXX XXXX  on card XXXX and XXXX. I sent proof it was paid on time. They agreed, and removed the XXXX listing. Transunion then said my bill was 30 days late in XXXX, I disputed on XX/XX/2019 with proof showing it was not 30 days late in XXXX either. They have nor responded as of XX/XX/XXXX. I called them on XX/XX/XXXX and they hung up on me after digging into the issue. 

Thanks for your time and help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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:
Re : Violation of 15 U.S.C. 1681b ( c ) Verifiable Proof/Documentation of My Non-Existing Authorization/Signature DEMANDED Name : XXXX XXXX Last Four Digits of Social Security : XXXX Violation of 15 U.S.C. 1681b ( c ) : Unauthorized/Unlawful Hard Inquiry Offending Company : Nowcom/Elite Date Placed on Credit Report : XX/XX/2018 Credit Bureau : Experian Dear Sir or Madam : I write this Complaint in a good faith effort to resolve the issue of this unauthorized/unlawful inquiry referenced above. Please note that this is not an acknowledgment or acceptance of said inquiry, as I did not seek credit with XXXX. Nor is this a waiver of my right to dispute this inquiry pursuant to and as allowed by 15 U.S.C. 1681 ( The Fair Debt Collection Practices Act ). 

I recently received a copy of my Experian credit report. The credit report includes this unauthorized/unlawful credit inquiry by XXXX. I understand that, pursuant to 15 U.S.C. 1681b ( c ) governing transactions that are not initiated by consumer, XXXX and Experian, as the credit reporting agency, are prohibited from placing an inquiry on my credit file unless I have authorized it. As I absolutely have not authorized anyone at XXXX to review my credit file, please ensure XXXX and Experian remove this offending inquiry from my credit file/report as it is damaging my credit rating and hindering my ability to establish credit. 

I have attempted to resolve this matter directly with XXXX and Experian to no avail. Therefore, I am contacting you, as the designated federal agency to assist consumers/victims of such Violations, to investigate and finally resolve the matter so that my credit file/report is accurate. 

I thank you for your sincere consideration of this matter, and look forward to a prompt and amicable resolution of this matter. 

Kindest regards, 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
Consumer complaint received 2019-11-23 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2019, XXXX XXXX XXXX charged my Macy 's XXXX  credit card on file {$680.00} for services that were not performed or authorized by me. The XXXX XXXX XXXX does not have any documentation on file behind this charge. For the last 11 months, Macy 's XXXX and the XXXX XXXX XXXX have been going back and forth with no valid information or proof to this transaction. I have always responded timely and provided information as needed. Today I was notified by Macy 's XXXX that they are closing the dispute and I just owe the money. There has never been a written or verbal approval for this {$680.00} charge. It is completely fradulent. I need for you to step in and take over this investigation.

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 2019-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
Ad Astra is trying to collect a debt of XXXX $ for XXXX. When I called them, to negotiate a Settlement, they told me they are not allowed to contact me, which is untrue. 

After I filed an initial complaint against XXXX to negotiate a Settlement, BEFORE the account went into Collection from XXXX   to AdAstra, XXXX falsely claimed, that they made me a Settlement offer for 10 payments of {$40.00} to settle the account. I never received that offer and XXXX claims that they sent it by email exactly on the day I filed my CFPB complaint. A obvious lie On XX/XX/2019 I received a letter from Ad Astra that states I had disputed the account, another clear lie. I sent Ad Astra 2 letter and asked them to honor the alleged settlement offer from XXXX, so I can start making payments. Needless to repeat XXXX lied about making the offer and wanted to get the account into collections. I never had a chance for a settlement. My research shows, that AdAstra was sued numerous times for their shady business deals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I sent money over PayPal for concert ticket. I never received the ticket but the person accepted it. It hasnt went through but PayPal wont cancel. It is a scammer by the name of XXXX XXXX

Company response to consumer: Closed with monetary relief