vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I was in XXXX XXXX, for vacation, XXXX XXXX XXXX, 2019. I stayed at the XXXX hotel where an employee through XXXX approached me to offer a timeshare tour. I accepted the tour which took place XX/XX/2019 at the XXXX hotel. During this tour I was asked to provide my personal information such as my name, address, phone number, social security, etc. I was told this information was needed to verify my qualification for the timeshare. I also was assured that my information would not be used for anything other than verifying qualification unless I accepted the timeshare. On XX/XX/2019 I received an email from XXXX stating there was a change to my credit report. An account was opened under Barclays Bank. I immediately disputed this account with all three credit bureaus. On XX/XX/2019 I received a letter in the mail that included a Barclays Bank Wyndham Rewards credit card. I contacted Barclays Bank requesting immediate cancellation. They promised to send a letter of confirmation for the cancellation of the account in the mail. My information was stolen and my privacy has been invaded. I did not request for this and the credit bureaus have made it clear they can not assist in repairing the damage that was caused to my credit. I feel Im being labeled as a liar and I would like to know what can be done about this.

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 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am a 20 year 100 % XXXX XXXX  Veteran, with a complaint about JP Morgan Chase Bank. An account for checking/savings was opened XX/XX/2019, to take care of my banking needs. There was a valid cashiers check from XXXX XXXX Bank for {$2700.00} deposited into my checking, as told shouldn't take more then 24 hours. 2 days later my account was closed without warning with no justification, and my check was to this day never released.Now all my Federal deposits never came through, bills have bounced for insufficient funds, because they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: NC

Complaint narrative:
A month ago I put requested a fraud alert removed from my credit with XXXX  Equifax, and XXXX They have yet to do do. I need a car and my credit cant be pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19

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 2019-07-31 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: PA

Complaint narrative:
I had received a Social Security alert through the credit alert notification on XX/XX/2019 from XXXX XXXX associated with XXXX  XXXX on an address that I have never lived at nor heard of before pop up on my credit report as an associated address of mine.

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 2019-07-31 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: IL

Complaint narrative:
TO WHOM IT MAY CONCERN THIS FRAUD I HAVENT CHECK MY CREDIT IN A COUPLE YEARS I TRIED TO BY A HOME AN I WAS DINED. MY LICENSE WAS SUSPENDED BECAUSE SOMEONE HAD A CAR IN MY NAME AND OPEN UP CREDIT CARDS IN MY NAME. I CHECK MY CREDIT AND I SEE ALL THESE CREDIT CARD ACCOUNT ON MY CREDIT THIS FRAUD I DID NOT OPEN THESE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A month ago I put requested a fraud alert removed from my credit with Experian XXXX, and XXXX. They have yet to do do. I need a car and my credit cant be pulled.

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 2019-08-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2019 I went to Best Buy and acquired their store credit card to buy a lap top. Based on what was told by the sales person the lap top included a XXXX XXXX and if I didn't like the computer it could be returned. ( see receipt attached ) On XX/XX/2019 I went to Best Buy to return the lap top with everything that came with it. I didn't use the computer because I didn't like it, yet the XXXX XXXX  was installed in the computer since it came with it and I tried the computer. For my surprise during the return they said I would have a balance of {$69.00} for the XXXX XXXX plus taxes. I couldn't understand why and they told me I would have to solve it with XXXX. ( see receipt attached ) I called Best Buy customer service to complain - the case # is XXXX. They said I would have to call XXXX as it was a XXXX charge. Again, I didn't buy anything from XXXX, so why Best Buy couldn't solve it? And then, I called XXXX Customer Service and the case # is XXXX. XXXX did a conference call with Best Buy and proved to them that I didn't own anything to XXXX as that packed was sold with the computer by Best Buy. I do have an existing packed with XXXX but is directly with them and it is installed in other device. In the same call, the customer service from Best Buy asked me to go back to the Best Buy store to get my refund. 

On XX/XX/2019 - I went back to the Best Buy Store I bought the lap top and the manager processed me a return of the XXXX XXXX and provided me with the receipt. She said I wouldn't be charged for it anymore. Yet, the receipt came with XXXX  $ value ( see it attached ) On XXXX, for my surprise they sent me a bill with a balance of {$75.00} referring to the same XXXX XXXX and then they sent another charge on XX/XX/XXXX of {$100.00} including other fees. 

I had a call with the Best Buy credit card company that seems to be City Bank. I asked to dispute the charges. Not sure which day this call was, yet it was between XXXX and XXXX. I received a mail letter dated as XX/XX/2019 saying that I lost the dispute. ( also attached ) Yet, they didnt ask me to provide with any paperwork to get into this conclusion. And I can not believe now they have reported it to my credit report and they are charging me interest and saying that I have a late payment. 

On top of damaging my credit, they have reduced my credit limit.

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 monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I submitted an appraisal stating the value of my home is currently {$480000.00}, with the current mortgage balance of XXXX {$330000.00}. My lender SLS mortgage ( aka XXXX  or specialized loan services ) has received the appraisal but refuse to acknowledge it and remove PMI. I have called multiple times including today XX/XX/XXXX but they give me different answers every time I call. One told me that we will receive a letter with a decision, and then Ill call again and theyll say I need to wait for the letter again, then the next person will say I need to fax an appraisal, next Ill be told it must be mailed to their PO Box XXXX another told me they only accept appraisals ordered from their contracted appraisal team. They repeatedly hang up on me and never have the same story of why I am still paying PMI. Im paying them nearly {$400.00} a month of PMI when it shouldve been removed. 


The Homeowners Protection Act of XXXX Requires lenders to have defined procedures, but they obviously do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: IL

Complaint narrative:
TO WHOM IT MAY CONCERN THIS FRAUD I HAVENT CHECK MY CREDIT IN A COUPLE YEARS I TRIED TO BY A HOME AN I WAS DINED. MY LICENSE WAS SUSPENDED BECAUSE SOMEONE HAD A CAR IN MY NAME AND OPEN UP CREDIT CARDS IN MY NAME. I CHECK MY CREDIT AND I SEE ALL THESE CREDIT CARD ACCOUNT ON MY CREDIT THIS FRAUD I DID NOT OPEN THESE ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: TX

Complaint narrative:
Got this letter XX/XX/XXXX SO how could date open be XX/XX/XXXX, OK ( 1 ) that's the first MISTAKE XXXX and Experian so what to admit this is a mistake, ( 2 ) Looking at document Annual Percentage Rate ( The cost of your yearly credit ) o, ( 3 ) Finance Charge 0, ( 4 ) Amount Finance {$380.00} and yet the credit report states {$340.00} then it states a payment was made of {$25.00} ( I have never made a payment as I was paid with direct deposit XXXX and that check was taken to cover the Balance. ) BUT let me stay on base, Then the high credit was {$380.00} BUT they state I was never LATE/ Written OFF XX/XX/XXXX. Then they state pass due NOW in XX/XX/XXXX {$1900.00}. Ok once I open and did a dispute an that got mad and added all the different amounts, That's no LEGAL they have to report nothing BUT the truth and XXXX XXXX XXXX XXXX have failed to do so, AND furthermore they lie and have been as when an investigation is open they provide FALSE information to the Credit companies knowing they haven't proved or can provide any corrected information. SO what are you going to do.

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 2019-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: YKS Acceptance, Inc.
State: CO

Complaint narrative:
bought a XXXX XXXX XXXX in XXXX from XXXX 's auto sales in XXXX ; CO and was financed through XXXX XXXX XXXX XXXX and was paid off in XXXX. 
XXXX 's auto sales advertise 9.99 % auto finance. 
XXXX XXXX finance charges that stemmed from a refusal to negotiate car prices : XXXX also refused to negotiate prices with Me, but did negotiate with cash customers. The resulting finance charge should have been included in the disclosed cost of credit. 
Hidden finance charges included {$1600.00} for a required repair warranty and {$100.00} for a required GPS payment reminder device. I was told I could not take the car out of the state of Colorado without permission after I already sign for the loan and claimed I could not back out of the loan because of this condition of the loan I did call Herbies ( now called XXXX wise auto ) and contacted XXXX about this matter she confirmed my account and said her manger would call me but never did and now will not return my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC
State: NJ

Complaint narrative:
A few months ago the servicing of my loan was transferred from XXXX to XXXX ... in almost 3 years there has never been an issue with making a payment which is sent via my bill pay every month. Once the servicing was transferred, the are suddenly having an issue receiving the payment and now they are assessing late fees when payments are sent before the final due date. The payment is mailed on the 12th every month for almost 3 years with no issue until XXXX took over. They assessed me with a late fees and I contacted them via phone a few weeks ago and was assured by a phone rep that no late fee would be charged. Now I have my coupon and there are late fees. I sent a request to them to retract the late fees on XX/XX/2019 and they responded today with we are unable to accommodate your request to waive your late fee. The payment for XXXX was received on XX/XX/2019. 

Again I want to reiterate this has NEVER been an issue until XXXX took over. 

Please assist as they want over {$70.00} in late fees ( please see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/2019 I notified American Express Serve customer service that I had received text message alerts totaling {$910.00} was made using the card at a XXXX XXXX /XXXX XXXX with out my permission. I was told their was noting they could do, in my card holders agreement it states the card is protected from fraud. I have never made a claim because my card is normally secure. somehow my card was compromised and I was charged via an online portal. I contacted the merchant and no one responds. the merchant information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX International phone number : XXXX XXXX I had the card blocked because the rep said I could not close the card to protect the remaining fund and direct deposit on the card. I notified the FTC and local police, the police department said if it did not happen in their jurisdiction there was nothing they could do because I did not have the proper information for the merchant because they are not located in the US. I did contact the FTC to and file a claim which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I have been on XXXX since XXXX XXXX. I had used my 401k to supplement my XXXX income to continue to pay 5 obligations. I ran out of 401k money in XX/XX/XXXX and am still on temp XXXXy. I was solicited by Freedom Debt Relief ( FDR ) to consolidate my obligations I have been unable to pay. I contacted their 800 # and the program was explained by XXXX XXXX, Senior Financial Consultant. He sent me the documents to sign to set up the program and explained that my credit would most likely have late payments on it. I explained to him that I know I owe the money and intended to pay if I was awarded social security XXXX. He assured me that they would be able to negotiate settlement amounts, and I reiterated how important it was to minimally affect my credit. They determined an amount to collect from me of {$760.00} per month to pay the obligations they would be negotiating settlements on. Although this amount is high it was much less than the monthly payments I have been making. I did not think I had a choice. They have withdrawn 6 monthly payments from my account for a total of {$4500.00}. Since XXXX only one account ( XXXX  ) settled in XX/XX/XXXX. XXXX has filed legal papers to sue me for the amount I owe. In order to respond to the summons I had to engage the legal company FDR has a relationship with XXXX XXXX XXXX XXXX ( XXXX ). To respond to this summons it is a cost of {$220.00}. I requested that money from the bank holding the deposits from FDR. According to FDR because I took this money out they could not pay {$200.00} to the XXXX account therefore it is delinquent now. The issue I have is that FDR withdrew their fee the minute XXXX  responded to a settlement and drained the account that had my deposits. I have been in contract for their services for 6 months and all I withdrew was {$220.00}. I believe that FDR is capitalizing on the fact that they are controlling my deposits and paying themselves when only one account has been settled. Yet that account XXXX is now delinquent to the settlement that FDR blames on my withdrawal. The bank account ( XXXX XXXX ) currently shows {$930.00} when they have withdrawn from me {$4500.00}. This company has taken advantage of my hardship and paid themselves with very little performance on the negotiating. They claim they have to wait to see what the court will say about the XXXX account, a court case I had no idea would come up from the structure of this program. I do believe that this company has misrepresented how efficient their operation was supposed to be. They should not withdraw their fee until each of the 5 obligations I had were settled. Only then do I believe they have earned their part. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Lincoln Educational Services Corporation
State: CO

Complaint narrative:
there are times where i do forget payments but when i answer or call them back one lady that i have to deal with for my loan is rude, harasses me, and hangs up on me.. Today had to be the worse which would be XXXX called to setup payments to get things caught up and she said i need a reason to why you have not contacted us, I told her that i have been working very long days, she says that's not a good enough reason. Only way i can take payment is something today and setup autopay. told her that i can not make a payment today that this was my fault be I'm setting up three payments to get everything caught up, she continued to harasses me about my other bills stating that i don't forget my phone bill, just cause you work long hours is not a good enough reason to where i did get upset and asked for a supervisor which really didn't help much cause the only way he would setup payments is if i setup autopay.. I have had the same woman hang up on me in the past when i asked a question.. she continues to make sure that this is going to mess up my credit there has been many times we have blown up on each other because of her attitude towards me.. im sorry im trying to pay and because of my reason its not good enough? because i have made mistakes that i get harassment from her.. there's time i rather be late then have to deal with this woman.. i dont have pacific dates but they record all there phone conversations.. today i had it with the way she talks to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE FOLLOWING ACCOUNT ARE UNAUTHORIZED DUE TO FRAUD. PLEASE REMOVE -PLEASE UPDATE MY CORRECT PHONE NUMBERS SO CREDITORS MAY CALL ME DIRECTLY - XXXX HOME AND XXXX CELL THERE IS ALSO AN ADDRESS THAT DOES NOT BELONG TO ME SHOWING ON MY REPORT PLEASE REMOVE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

TRANSUNION- XXXX- XXXX AND XXXX- XXXX XXXX- XXXX- XXXX XXXX XXXX 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