vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALCHRO INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted First Federal Credit & Collection ( FFCC ), a debt collection agency based in XXXX, Florida, to discuss an alleged medical debt of {$500.00} reported to the credit bureau in XXXX. That same day, FFCC wrote me an e-mail requesting that I provide them with a letter from XXXX stating that my son was covered on XX/XX/XXXX. FFCC also requested a copy of my son 's XXXX I.D . card and I.D . number. One month later, I received a phone call from FFCC  regarding the XXXX letter. I advised them that obtaining the letter was taking much longer than expected. 

On or around XX/XX/XXXX, FFCC reported a " late payment '' to the credit bureaus for the first time in four years. 

On XX/XX/XXXX, I e-mailed FFCC  a letter from XXXX dated XX/XX/XXXX stating that my son was eligible for continued coverage in addition to sending a copy of the XXXX I.D . and I.D . number. My letter also stated that my son resides in a group home and is 100 % the responsibility of the State of Florida, including all of his medical expenses. I immediately received a phone call from FFCC  advising that the letter from XXXX was insufficient because it needs to state that XXXX had coverage on XX/XX/XXXX. FFCC also threatened to continue to report the alleged debt monthly until paid. This threat was intended to coerce me into paying the debt by ruining my credit. I told FFCC during the phone call that the letter is sufficient proof that XXXX was covered on XX/XX/XXXX because the renewal Notices cover the entire year. I also advised that I was unable to get a letter from XXXX for a specific date as their computers are not set up to customize letters. Instead, XXXX provided me with a duplicate copy of the Notice of Action taken on XX/XX/XXXX. 

FFCC 's request for a letter from XXXX is merely a disguised attempt to harass me and force me to pay a debt that I do not owe. Indeed, the billing statement for medical services provided by FFCC shows that their client already billed XXXX for services on XX/XX/XXXX and XX/XX/XXXX. The last page of the billing statement shows that in both instances XXXX denied coverage because the primary insurance paid more than the allowed amount. Therefore, FFCC is already aware that my son was covered by XXXX on XX/XX/XXXX. Requesting the letter and continuing to report the debt to credit bureaus are just mechanisms for prolonging the matter to coerce payment for a debt that is not mine. 

FFCC  is, in fact, a dishonest company. For example, FFCC reported a balance owed of {$500.00} when the final bill shows an outstanding amount of {$390.00}. 

I am filing this complaint against FFCC to resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My Wells Fargo Credit card has not report since XX/XX/2020. Since that time Wells Fargo should have reported twice. It is still showing my outstanding balance as {$7600.00} from that date. Since then I have paid my account down to {$2800.00}. I have called Wells Fargo last month and this month and they have not been able to rectify this situation. I have also sent them a letter 0n XXXX XXXX concerning this situation and there hasn't been any response from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX {$1700.00} XXXX  XXXX {$720.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$170.00} XXXX  XXXX {$670.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX {$1700.00} ARKANSAS XXXX {$720.00} XXXX  XXXX XXXX {$400.00} XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$170.00} XXXX  XXXX {$670.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an established agreement with XXXX XXXX due to being impacted by the pandemic and XXXX is in violation and continues to tarnish my credit report while I have an arrangement with them. I called and was informed that they are behind and will continue to derogatorily report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I am paying off my mortgage and am having difficulty with the mortgage company doing this. I sent them a cashiers check on Saturday XX/XX/XXXX. The check cleared my checking account on XX/XX/XXXX. I called the mortgage company Quicken Loans today XX/XX/20 and they claim they have not received the check and want a tracking number on the check. This should have been credited to my account by now. I want the deed to my property and this transaction completed so that I can own my condo. They are delaying the process. Can you please contact them and make them do this. They are not acting in good faith.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a military XXXX XXXX spouse and recently applied ( XX/XX/2020 XXXX for the Amex Platinum Card due to the benefits of having the {$550.00} annual fee waived under the SCRA and MLA act. I documented on the application that this was the case and did all the relevant steps to ensure I was covered. I then called before the application was successful and reaffirmed that I was active military spouse and was informed that I must wait for the card to be sent out and then apply for the benefit to be added, the call was recorded. I have since been informed that I am not entitled to this because my husbands military service doesnt qualify for the MLA despite there being no mention of this on the American Express website or no small print under the MLA act itself, since we dont qualify for the SCRA as thats for pre military service. I am now unable to have the fee waived and cant cancel the card because it will affect my credit score which I have spent years building. This was completely false lending and I feel I was miss sold during the entire process where I was not informed that there were stipulations on the military service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I made a charge {$10000.00} on my Fith Third Bank card. Then again on XX/XX/XXXX a charge of {$5000.00} totally {$15000.00}. I made the purchases with XXXX with the understanding that if i did everything instructed of me, I was guaranteed to make at least my initial investment back totally {$76000.00}. Please see " Investment Commitment '' in attachments. Furthermore, the Investment Commitment certificate states if I have not made my money back, they will continue to work with me until I have achieved this. On XX/XX/XXXX, the FEDERAL TRADE COMMISION and UTAH DIVISION OF CONSUMER PROTECTION filed an injunction and a restraining order to cease and desist all business practices. 

Upon finding out of the business closure, I have reached out directly to the merchant resulting no answers nor resolutions. With no success reaching the merchant, I contacted XXXX XXXX customer service no less than 4 plus times. Each call had a holding time of at least 1 hours before speaking with anyone. The initial call was XX/XX/XXXX where a dispute case was opened. The requested information and additional information supporting my situation was submitted via mail. I recieved two letters via postal mail dated XX/XX/XXXX requesting more information and another dated XX/XX/XXXX a denial to the resolution. I followed up with another call on XX/XX/XXXX to check on my status and spoke with XXXX. She asked for additional information to be sent. I emailed and mailed the requested information again. On XX/XX/XXXX another denial letter was sent. AS it turns out, more information was needed. Fith Third will deny and close the case immediately after sending a letter for further infomation and will only reopen the case if the consumer calls in to find out why? 
My call to Fifth Third to the second denial was on XX/XX/XXXX. I spoke with XXXX who connected me with XXXX in the Denial Department. XXXX said yet again, more information was needed. I asked how would I have know further information was needed if it's not on the letter? Her reply was " You don't. You will have to call in and ask. '' This company made the disputing process very difficult for the consumer as they only correspond via USPS. Plus the constant " false '' denial letters are distressing as that may be thier goal. Whatever thier culture is, it is not to be on the consumer 's side. I still have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Some accounts were brought to my attention when I got my credit ran to see if I pre-qualified for an auto loan ; The accounts are from these companies XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and US BKPT CT CA XXXX. None of these accounts belongs to me and I am not affiliated to any of these companies in any way. I did not allow anyone else to open these accounts in my name and I did not benefit anything from these accounts nor did I contribute to any payments made ; I do not have any written/verbal contract with any of these companies and I never gave them permission to access my credit information. I have filed already filed a police report regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have told Transunion that these are not my accounts. These were opened from identity theft. Please delete and block these accounts from my report because they are fraud XXXX XXXX XXXX {$470.00}, XXXX XXXX {$280.00}, and XXXX XXXX {$13000.00}. 
Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal has not only locked me out of my account without cause for over one year, it has also illegally kept my money ( for that amount of time as well. One of their XXXX  male customer service reps representatives was talking to me lower than an animal and I didn't stand for it, so he cut off access to my account WITHOUT CAUSE. I didn't violate any of their Terms of Service. I have tried in numerous ways including going to small claims court to get them to refund my money that he ( and other Paypal reps ) admitted that was going to go back into my account to no avail. I now have to file it in District Court but due to the coronavirus, I have to wait to do that. When he shut my account down, it stopped the transfer of the funds going back to my bank account, so they have been in illegal possession of my money for over a year ( even their TOS says any hold will be no longer than 6 months ). 

Paypal also let a scammer ( XXXX XXXX ) keep money ( {$170.00} ) of mine even after I told them I didn't receive the services I paid her for. Other people have been scammed by her and Paypal refunded their money, but due to the above situation, they won't refund mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I AM VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THEY STOLE MY PERSONAL INFORMATION AND OPENED A CREDIT CARD WITH BANK OF AMERICA. THE CHARGES THE ACCOUNT ARE FRAUDULENT AND NOT MINE. I NEVER REQUESTED THE CREDIT CARD TO BE OPENED. I HAVE SENT ALL REQUESTED DOCUMENTS TO BANK OF AMERICA AND TO THE XXXX BUT THE FRAUDULENT ACCOUNT IS STILL REPORTING ON 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 2020-05-13 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: FL

Complaint narrative:
In early XXXX I applied for a new XXXX XXXX for XXXX XXXX that was to open in XXXX. A month later, XX/XX/XXXX I get a letter in the mail mind you that says I was denied because my Experian report is in FREEZE and I would have to remove it and wait 30 days to reapply. I understand the difference between at lock and a freeze. I have my credit reports LOCKED because of the data hack at one of the agencies a few years back. I waited the 30 days and then contacted the XXXX XXXX and tried to explain that I can unlock it anytime and all you have to do is notify me by phone or text, which they have, and then after your done I will relock the next day. It was like talking to a brick wall. After speaking with 3 people and supervisory they still made me reapply even tho they had my initial application with my phone number on it. So, I missed using it at XXXX grand opening at which their district manager gave me a gift card for the hassle ( so XXXX know about this ). I got the card in early XXXX. I reached out to Experian by email and explained to them, who you would think would know better, that they told XXXX I was in a freeze but I was not. They did respond with a soft apology but I am not sure if they learned anything. I am asking you, CFPB to study this some and make rules that direct the credit agencies and the banks that issue credit cards etc. that they need to understand Lock and Freeze and if a persons reports a locked, that they MUST contact them by text or phone and ask for the report to be opened for their viewing. This problem is not the fault of we consumers and the banks and credit agencies need to do a better job at servicing we citizens.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CA

Complaint narrative:
Want to reopen Complaint ID XXXX. 
Received a letter from Capital One stating that they were closing Dispute Case # XXXX because I had not provided the information that they had requested. The Assistant Vice President of my branch of XXXX XXXX XXXX  sent them the required information, proof that I made the payments and proof that Capital One had received the payments, but they keep insisting they have not received the required information. They have repeatedly been informed that I had made the payments via online bill pay through the bank but on XX/XX/2020, they sent a letter that asked that if I'd paid by check or money order-to send front and back copy of the canceled check. How XXXX  is this, what is their problem? 

Enough is enough, can I send you the proof so you know Capital One made a mistake. I can see that missing one payment might have been an entry error, but 2 in consecutive months is either fraud or sticky fingers as far as I'm concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 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:
Some accounts were brought to my attention when I got my credit ran to see if I pre-qualified for an auto loan ; The accounts are from these companies XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and US BKPT CT CA XXXX. None of these accounts belongs to me and I am not affiliated to any of these companies in any way. I did not allow anyone else to open these accounts in my name and I did not benefit anything from these accounts nor did I contribute to any payments made ; I do not have any written/verbal contract with any of these companies and I never gave them permission to access my credit information. I have filed already filed a police report regarding these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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:
Some accounts were brought to my attention when I got my credit ran to see if I pre-qualified for an auto loan ; The accounts are from these companies XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and US BKPT CT CA XXXX. None of these accounts belongs to me and I am not affiliated to any of these companies in any way. I did not allow anyone else to open these accounts in my name and I did not benefit anything from these accounts nor did I contribute to any payments made ; I do not have any written/verbal contract with any of these companies and I never gave them permission to access my credit information. I have filed already filed a police report regarding these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: GA

Complaint narrative:
This complaint comes forth as I am a victim of Identity Theft, despite my efforts to dispute the fraudulent accounts and send in all supporting documents. XXXX would not respond to my efforts, the accounts that are fraudulent are as follows : 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 non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I accepted a 12 mo. 0 % promo offer. I unknowingly forfeited my grace period for new purchases. If you make new purchases or are charged any fees ( i.e. renewal ) you WILL be charged your current finance charge IMMEDIATELY once the charge hits your card. It doesn't matter if you pay your statement balance in full each month - you're charged from day 1 for that charge - NO grace period. Seems like a SCAM to me. I am not aware of any other cards that do that. All of the 0 % promos I've had still retain the grace period and you are not charged ANY interest if you pay the minimum amount due each month + any new charges incurred. Thankfully I had the funds to pay the entire balance in full from savings and IMMEDIATELY stopped using the card. Seems like an unfair business practice to me because it's REALLY NOT 0 % if you're IMMEDIATELY being charged an extremely high interest rate for new purchases.

Company response to consumer: Closed with monetary relief