vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to manage my credit freeze and get a copy of my credit report. I have used Equifax 's web interface multiple times without success. Though I try to use myEquifax, I am unable to log on. Both these options direct me to call Equifax. When I call, I go through the call tree and end up with a message to contact Equifax via mail or fax. I mailed Equifax as directed over 4 weeks ago and have not received a response. 

I have tried to get my credit report and manage my security freeze for nearly 8 months now and have been unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: OH

Complaint narrative:
Here are the facts of this case. On XX/XX/XXXX a payment from my Chase Checking account was applied to my Chase Credit Card in the amount of XXXX. After this payment the credit card balance due was now XXXX. On XX/XX/XXXX, the very next day, a duplicate payment in the same amount of XXXX was pulled from the same Chase Checking account and again applied to the Chase Credit card and now there was a balance on the Chase Credit Card of XXXX. I reached out to the bank first on XX/XX/XXXX and was told there was nothing they could do to stop the payment even though it's between two Chase accounts. I had to wait for the second payment to hardpost on the credit card and then seek my ACH refund which would occur in 2 days. I called again on Monday XXXX once the payment hard posted. I was transferred many departments trying to figure out who at Chase could help. I was told by Chase Credit Card support I would receive an email within 2 days to claim my ACH refund in the amount of {$640.00} and that it would take another 2 days for the refund to go through. It has now been 5 days and I am getting the run around by Chase. I have never received the email but the credit showing on the credit card ( the over payment ) was removed off the credit and is showing refunded but it is not in my chase checking account either. The various calls and emails to Chase have given me no results. No one can tell me where this refund went or how/if/when I will receive it. No one can tell me why it was pulled off the credit card but never received by me. I am now receiving generic responses stating they will look into this and it may take weeks. It is unethical at the least to take a clients money and not return it ASAP but it's even more unethical that this credit is now missing from ALL my accounts. It is not showing anywhere due to me. I have been banking with Chase for a very long time and it's appalling to me that they can so easily take their clients money and keep it in limbo for as long as they see fit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have provided information to Experian multiple times proving that I do not owe XXXX XXXX  XXXX anything, and that they actually owed me money at the time I canceled my policy. The cancelation documents clearly state this. Therefore I don't know why experian refuses to remove this fraudulent report from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Had a mortgage with NewRez LLC as the servicer. I refinanced with a different mortgage company and NewRez LLC received payment in full for the mortgage I had with them on XX/XX/2020. On XX/XX/2020 I contacted them to make sure the check for my escrow funds and any overpayment had been issued. I was told the check was not cut yet and that it can take 30-45 days to return my money. This is unacceptable - they have thousands of dollars of my money that they owe me and I have never had a mortgage company take more the 3 weeks from funding to return my money. I want my money issued immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
I was working with a mortgage broker, XXXX XXXX, in XXXX to get a pre approval. I gave him permission to pull my credit to approve me. Yesterday we reached out to speak about next steps on getting a mortgage commitment. We were asking questions about needing a survey and instructions his lender has for the process. He started talking about rates and I said I would need to talk it over with my fiance about our options. I specifically asked him not to run my credit as we were still discussing through options and needed to read paperwork he sent over. I also sent him an email to send me more information on different types of rates. He then ran my credit without my permission and is saying he did not. I looked at my credit report and it says it was pulled by his company Guaranteed rate twice. ( 1 ) XX/XX/XXXX was approved. ( 2 ) XX/XX/XXXX was not approved. I would like to dispute this credit pull and also report him for misrepresenting that he pulled my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My name is XXXX XXXX - I live in XXXX, North Carolina. 

Someone has opened a credit card in my name with Citi CBNA - I have contacted the bank but they have not responded to me with via phone or online. I would like to find out how has used my social security to open this credit card.

I currently have a {$41.00} balance on this credit card and am not aware who used my social security to open this credit card.

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 2020-08-28 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: ALLIANT CREDIT UNION
State: MD

Complaint narrative:
I never applied or received a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I never applied or received a XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This complaint is related to PayPal claim XXXX. I purchased an item from XXXX XXXX and did not receive the item. 

This purchase was for a XXXX vacuum and I did not receive this item. I obtained an email from XXXX which states that the item was not delivered to the address indicated in the shipping label.

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 2020-08-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
My husband XXXX a TN XXXX XXXX XXXX member ) passed away in XXXX. My widow benefits for XXXX XXXX were subsequently placed on a prepaid debit card rather than direct deposited into my bank account. This has since been corrected and my XXXX payment was received in my account but I have yet to receive the card for my XXXX payments. At the direction of the TCRS, I contacted the prepaid card XXXX on at least 5 occasions ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and each time I've been told a replacement card has been ordered and I should receive tracking information via email and the card within a few days. The card never arrives. When I call back we go through the same steps over and over again. I'm a XXXX XXXX XXXX widow on a fixed income and these funds ( $ 470+ ) would certainly help cover my bills. I'm at a loss as to why they are failing to send the card after promising to do so multiple times. I've contacted TCRS as well and they've advised me to work with the card administrator since they do not control this! Please help. I feel like I'm being taken advantage of during this difficult time and don't know where to turn. Thank you in advance. The company name/website is XXXX and the number I call is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a payment to TOTAL Visa in the amount of {$210.00}. They continue to claim the bank account number used for this payment was not able to be found. I have previously submitted the bank statement for the month of XXXX and will submit it once again to show it was active and valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: VI

Complaint narrative:
The 3 credit bureaus are reporting negative information on my credit report and have refused to provide proof of validation. I have written to the respective agencies and companies that have put these items on my credit report. I have also spend hundreds of dollars to credit repair agencies and got nothing done. These accounts are from XXXX and XXXX, so I have suffered greatly over the years from lack of transparency from these companies that had refused to obey the law and guidelines of the fair credit reporting act. I am hoping that you all can intervene and please get these credit reporting bureaus to delete these invalidated items from my credit report so that my credit health can be justifiably restored unto to me. The incorrect stuff that is being reported on my credit report are as follows : XXXX XXXX, XXXX XXXX, the XXXX, and XXXX Please asked these companies for validation which they have refused to provided me as directed by law. Thank you

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 2020-08-28 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: VI

Complaint narrative:
The 3 credit bureaus are reporting negative information on my credit report and have refused to provide proof of validation. I have written to the respective agencies and companies that have put these items on my credit report. I have also spend hundreds of dollars to credit repair agencies and got nothing done. These accounts are from XXXX and XXXX, so I have suffered greatly over the years from lack of transparency from these companies that had refused to obey the law and guidelines of the fair credit reporting act. I am hoping that you all can intervene and please get these credit reporting bureaus to delete these invalidated items from my credit report so that my credit health can be justifiably restored unto to me. The incorrect stuff that is being reported on my credit report are as follows : XXXX XXXX, XXXX XXXX, the XXXX, and XXXX. Please asked these companies for validation which they have refused to provided me as directed by law. Thank you

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 2020-08-28 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: VI

Complaint narrative:
There are numerous hard inquiries reporting on my credit report that may be that of someone else. I have written to all three credit agencies asking them to validate them but they have not done anything and these hard inquiries continue to destroy my credit. The only ones that I know of are a auto loan inquire from XXXX XXXX vi in XX/XX/XXXX a hard inquire from XXXX XXXX XXXX XXXX, and one from XXXX XXXX XXXX XXXX and the rest are questionable. These are being reported by XXXX, XXXX   and Transunion.

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 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
I saw my credit score was down in my XXXX  XXXX account {$960.00} debt for phoenix financial service.But I dont recognize it.I never get any money or service for anybody.It maybe a name similarity or somone used my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: VI

Complaint narrative:
There are numerous hard inquiries reporting on my credit report that may be that of someone else. I have written to all three credit agencies asking them to validate them but they have not done anything and these hard inquiries continue to destroy my credit. The only ones that I know of are a auto loan inquire from XXXX XXXX vi in XX/XX/XXXX, a hard inquire from XXXX XXXX XXXX XXXX, and one from XXXX XXXX XXXX XXXX and the rest are questionable. These are being reported by XXXX, Experian and 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 2020-08-28 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: ERC
State: IN

Complaint narrative:
Acct was paid and creditor agreed to delete from credit report and it is still on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Account Ending In XXXX Reference Number : XXXX Merchant Name : XXXX XXXX Transaction Amount : {$500.00} Transaction Date : XX/XX/2020 Dear XXXX XXXX, We are writing regarding your inquiry about the charge ( s ) from XXXX XXXX of {$200.00} on your account. Request you to please provide detailed letter describing the events surrounding your claim, including the exact amount of credit you are requesting. 



Request you to please provide details of overcharge with exact amount you are disputing with proof of being overcharged and please provide proof of merchant agreed to do a price match or agreed to refund or proof of promised refund. In addition to above, if you have any documents pertaining to the claim, then please provide us with that. 



For all other claims, please send us a detailed letter describing events surrounding your claim, including exact amount of credit you are requesting and any additional information you believe will help us to investigate the claim on your behalf. You can send us information by uploading your documents at americanexpress.com/document center. Be sure to select Billing Inquiry as your document category and use your Dispute Reference Number for your submission. If you prefer, you may also fax it to XXXX, or mail it to following address : American Express Credit Card Account, Customer Service Department XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

today i got this email after numerous letters sent and calls i have explained over and over why i dont have the chat transcript wherein the XXXX was promised to be refunded my phone rang friend was in an accident and i was unable to save the chat i have explained this many times over and over no one listens Same form letter just like when i originally called this in it was not taken accurately.XXXX XXXX stimply sent bill and i was rebilled this is NO T the dispute the dispute is whether i was promised something which i was and i do not have proof what i do have here is however is a good name and i am not sure what will happen here but i know i wont use my cards any until this is properly resolved. 
i have no other info than what i sent please ASK them to investigate who andw why i was lied to put it on them. they have more resources than me i wont pay this i cant use my accounts here either right now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Our balance with PNC bank is of two parts. Part one had a no interest grace period to XX/XX/XXXX. Part two has a grace period to XX/XX/XXXX. We were assured the entirety of future payments would be applied against the first balance, less accrued interest. Last month was our first payment where interest was incurred. Instead of applying the entire payment, less interest, to the balance subject to interest PNC applied a significant portion to the balance that is not yet subject to interest, thereby violating what we were told.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I paid this debt with a collection agency. It was a settlement in full. I no longer have a balance according to the debt collector. I received paperwork stating such, however the original creditor is reporting a balance due. I also paid a different debt with the same collector and same terms, and that one no longer shows a balance on my report. I have tried several times to dispute/submit this information showing I paid to the settlement terms and no longer have a balance with XXXX, the debt collector and Capital One to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Dynamic Recovery Solutions, LLC
State: MD

Complaint narrative:
Dynamic Recovery Solutions LLC of XXXX, SC is sending debt collection notices to my employer for a debt that is long since resolved.

Company response to consumer: Closed with non-monetary relief