vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-24 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: VA

Complaint narrative:
My name is XXXX XXXX my SSN is XXXX. I was born XXXX and I have several fraudulent accounts opened on my credit that are not mine. They are listed on the attached police report. To be clear and concise they are XXXX XXXX XXXX, all of the Dept of Ed accounts, XXXX and all negative listings. Please remove them ASAP.  Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24 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: VA

Complaint narrative:
My name is XXXX XXXX my SSN is XXXX. I was born XXXX and I have several fraudulent accounts opened on my credit that are not mine. They are listed on the attached police report. To be clear and concise they are XXXX XXXX XXXX, all of the Dept of Ed accounts, XXXX and all negative listings. Please remove them ASAP.  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 2019-11-24 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: VA

Complaint narrative:
My name is XXXX XXXX my SSN is XXXX. I was born XXXX and I have several fraudulent accounts opened on my credit that are not mine. They are listed on the attached police report. To be clear and concise they are XXXX XXXX XXXX, all of the Dept of Ed accounts, XXXX and all negative listings. Please remove them ASAP.  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 2019-11-24 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
On XX/XX/19 I received a pre-approved credit card offer in the mail from Aspire Mastercard ( Acceptance Code : XXXX ). I completed the acceptance application online the same date, but when I saw that this company charges over {$200.00} per year in in annual and maintenance fees, I immediately called Aspire minutes after completing the application on XX/XX/19 ( XXXX ), spoke to XXXX XXXX ( ID # XXXX ) and requested that my application be cancelled. XXXX XXXX informed me that she processed the cancellation of my application, that it would not affect my credit, and that I had to call Customer Service ( XXXX ) after XX/XX/19 to confirm the cancellation on their end. On XX/XX/19 @ XXXX EST, I called Aspire Customer Service XXXX spoke to XXXX , who staetd that she did not see where the application had been cancelled. XXXX put me hold several times, initially stated that the account would be closed, then when I asked why would this be processed as a closed account when I requested that my application be cancelled on the very same day, and an account was never opened, she placed me on hold several times, and gave conflicting information on whether the application would be cancelled. XXXX stated that she was submitting a " request '' and that I would receive a letter in the mail in 7-10 business days. When I asked about this application not having a negative report on my credit, such as a cancelled credit card, she said that she would put in a request that would take 60-90 days, but it was not guaranteed. There was a clear language barrier with XXXX, when I asked where she was located she initially lied and said XXXX, Ga, then said they were located off-shore, and did not have access to transfer me to someone in the United States. I asked to speak to a Supervisor, spoke to XXXX ( ID # XXXX XXXX, who stated that he will request to stop creation of account, and to disregard application, and will send special request not to send negative report to credit bureaus. He agreed that I was correct that the account has not yet been created. XXXX also stated that he could not guarantee that any of this will happened. When I asked if he could escalate this request, he said that account is automatically created within 2 business days, but he could not guarantee that he would contact the proper department to stop the account from being cancelled tomorrow, Monday, XX/XX/19, prior to it being created on Tuesday, XX/XX/19. XXXX, a supervisor, stated that he does not have authority to escalate issues. I also asked that he contact his manager to intervene and have application cancelled. I do not want this company to be able to place a negative report of a closed credit card account on my credit report as I never had an open account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express utilized my credit report and lowered my credit limit without notification pursuant to the Fair Credit Practices Act. My card hit a credit limit that I was never notified of and the card was declined at a grocery store. I never received the name of the credit reporting agency that had provided the information to American Express, nor was I given the opportunity to obtain a free credit report to verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings
State: IN

Complaint narrative:
i was called from a gentleman who claimed he was with a lending company called speedy cash ( legit company i found out but the gentleman who called me was not from that company ) he in dicated that he needed to put into my checking account a mobile check to which i returned the same amount of money ) i new about paper checks but not mobile : I guess when these predators catch u in a vunerable time, anything can happy the person kept answering my questions with hesitation. When i called after finding out the check was bogus and i was out the money, everytime i called i got " XXXX XXXX '' and he kept telling me he would contact the bank ( lies ) and the last time he even had the audacty to ask me to open a new account with a XXXX XXXX and i cut him off immediately. I have filed a police report and the account at XXXX XXXX  has been frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
On XX/XX/2019 I mistakenly paid my mortgage to Freedom Mortgage who no longer holds the note. On XXXX XXXX I became aware of the mistake and contacted Freedom to ask them to reverse the payment which had been made through XXXX XXXX XXXX Bill Pay. Today is XXXX XXXX and the reversal has not yet happened. 
In this time period I have been in contact with seven people in the Freedom organization, three of whom have told me that the reversal will happen within 24 to 48 hours. On XXXX XXXX XXXX XXXX XXXX FAX'ed  Freedom with the proof that the payment had been made and that it had been cleared through the Freedom system. I am frustrated in that I have no leverage in this situation and fear that I may not be able to meet my XX/XX/2019 commitment to my current mortgage holder. Please note that the payment made in error has not been forwarded to my current lender.

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 2019-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a credit card with Macys and due to some charges on my account I was unaware of for " Credit Protection '', which I did not sign up for, I had late charges added to my credit report by Macys for XXXX 2018. I had a {$0.00} balance that I was aware of and because of these unauthorized charges they put 60 days late charges on my credit. I was not informed until they were already reported, then I received a letter from them. When I found out I paid this off to clear it up and have it removed from my credit report even though I disputed it. They refused to remove from my credit report and I have continued to dispute with the credit agencies, continued to call Macy 's to complain and ask for the reporting to be moved, yet nothing had helped and the late payments still show.

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 2019-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Good Day, I am a XXXX year old woman who had no idea I owed this bill at all until I was trying to buy a house and they checked my credit and found out I had all these collections on amounts as low as XXXX!! and I had no Idea that I owed them. I asked the company from my loan officer and I contacted the lady who was in credit bureau department and asked her what these were for she informed me she was not a billing clerk but a collection agency and I told her I had not received and phone calls or written information for these bills and I asked her if they were for XXXX hospital and she said no the doctors and at XXXX ( XXXX ) you can not see the doctor without paying your copayment in the kiosk when you check in so she said she would send me a detailed statement that was on XX/XX/2019 and I have yet to receive it! I have 100 percent payments on time on, my report do you really think I would let a XXXX payment lapse for months I am furious I am to old to have my credit ruined by a company who does not do there job! They are showing two accounts paid and I have not paid them a dime so that must be in the system from XXXX doctors I am not sure but she gave me my acct number and I have sent checks in for everything I saw on there website and I am hiring a lawyer to take care of this injustice! I feel like everyone of those from AMSHER COLLECTIONS should be removed off my credit report and they should have consequences to pay for ruining a persons credit I have never had this ever happened to me I expect nothing less than justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, XXXX The account was paid in full {$85.00} on XX/XX/2019. As of XX/XX/2019 they show that the account was closed as a charge off not paid in full. This is hurting my credit. They told me it would show up as a paid in full account. Paid by Bank card. Have bank statement if needed. Want account to show paid in full not a charge off

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 2019-11-24 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2019 I booked a rental car from XXXX through XXXX for my parents vacation in XXXX. The total cost was XXXX USD including all taxes and fees as indicated on the confirmation ( attached ). This reservation was refundable. My parents and I could cancel it at any time before picking up the car. 

XX/XX/2019 My Chase credit card was charged {$600.00} by XXXX. Because I did not recognize this company and believed it is a different company from Dollar ( where I booked the car from ), I filed a fraud case with Chase immediately. Chase reversed the transaction and issued me a new credit card. 

Meanwhile, I contacted my parents and they told me what happened. XXXX represents XXXX in XXXX and the {$600.00} charge was made by the XXXX agent. 

When my parents arrived at the rental car company, the staff asked for my parents credit card and charged XXXX XXXX, including a XXXX USD premium XXXX XXXX receipt attached ). The staff did not ask my parents permission and explain the change details before she swiped the credit card. XXXX is not mandatory for rental cars in XXXX and the Chase Hyatt credit card does cover the same insurance. Therefore, my parents refused to sign the receipt and requested a full refund. XXXX agreed to refund the full amount of charge ( XXXX USD ) within four business days ; however, they never processed the refund. 

XX/XX/2019 I reach out to XXXX and XXXX since XX/XX/2019, to try to resolve the problem. Unfortunately, both companies failed to process the refund. A copy of all E-mail conversations is attached. 

XX/XX/2019 Chase turned down the fraud case and recharged {$600.00} on my credit card. The bank believes the transaction was not fraudulent and asked me to file a dispute instead. On the same day, I filed a dispute and submitted all required documents requested by Chase including the rental car confirmation page and bill. 

Since XXXX Chase reached out to me and told me that they were not able to process the dispute because the transaction occurred more than two months ago and the XXXX insurance was mandatory ( which is wrong ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BMO Harris has in the past and again is not posting extra principal payments to 3 of my loans. 
Loan 1. Payment made {$1200.00}. Normal payment is {$650.00}. Extra principal XXXX never applied and payment for {$1200.00}. never even shown on statement. Only shows what was due as a payment. Stopped making auto payments as they say their computer system does not recognize the extra payment. Now write a check for each loan and hand deliver it to the bank with the extra principal amount shown on the payment coupon. Still they continue to not post these payments correctly. 

This has happen with 3 loans I have with BMO. 

Earlier this year they started the same practice of not applying extra principal payments and it took 3 months to straighten out.

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 2019-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: CA

Complaint narrative:
XXXX XXXX acquired my loan in XXXX and in XXXX I was notified on XXXX XXXX of a new servicing agent, CMC Funding/XXXX XXXX XXXX. Additional letters from CMS/XXXX showed inaccurate accounting information showing that I owe for XXXX and XX/XX/2019. I called CMC/XXXX on XX/XX/XXXX and informed them that I previously made payment to the previous servicer, XXXX. Since XX/XX/XXXX, I have called every week and mailed on XX/XX/XXXX and XXXX CMC/XXXX a certified letter which they received on XX/XX/XXXX and XX/XX/XXXX. I also emailed them proof of payment from a statement downloaded from my previous servicer, XXXX. I was recently mailed a letter of intent to foreclose and continue getting calls from CMC to collect payment. This is very frustrating since I have always made my payment on time including a XXXX payment which I made to CMC/XXXX and they have withdrawn from my account on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2019, someone withdrew funds from my account via a XXXX transfer. Sufficient funds were not available, therefore, they transferred funds ( which were not available ) from my daughter 's linked account. Later that day, even after I reported the hack, someone continued to transfer funds back and forth from the account. Before all of this began, a balance of {$350.00} was in my account, USAA refused to refund the hacked amount. Subsequently, I had to open a new account in order to have access to my paycheck on XX/XX/XXXX. USAA blamed me and my daughter for the hacking and refused to refund my account balance. They have since sent my account to collections for funds above my original balance stolen from the account. Thankfully, My daughter 's bank refunded the hacked funds from her account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: VA

Complaint narrative:
XXXX has reported a wrong hard inquiry dated XX/XX/2018. On my complaint to XXXX  through CFPB, XXXX has issued letters many times that it has reported to all credit agencies such as Equifax to remove/mask the hard inquiries. These letters are attached here. 
Despite of that Equifax states that it ran investigation with XXXX and XXXX has stated that the hard inquiry is correct. 
Both Equifax and XXXX are liars, either XXXX reports correct data only to CFPB and misguide Equifax by reporting the hard inquiry as a correct record, or Equifax is liar which states that it confirmed with XXXX  that the record is correct. 

Either of XXXX or Equifax is a liar. However, I will be forced to sue both of them to get the hard inquiry removed. 

Attached are frivolous documents of Equifax and the correct documents of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
In XXXX of XXXX my fiancee and I received a letter from our mortgage company, Freedom Mortgage, stating that we could do a FHA streamline refinance to save some money. We called and applied. On XX/XX/XXXX, we closed on the refinance and sent out the closing costs in a wire transfer. We thought everything was fine and we were told not to pay a payment for XXXX or XXXX. 2 weeks later I received a bill for {$3400.00}, the amount of XXXX 's and XXXX 's payment plus late charges. I called Freedom mortgage and was told that my new loan was funded on XX/XX/XXXX and to disregard the bill. The money for XXXX 's payment was spent on vehicle repairs and to fix a plumbing issue because I thought it was safe to spend it. Less than a week after that phone conversation, I started receiving emails and phone calls ( 10-15 a day ) saying that I needed to reschedule our closing. I called to find out what was going on and no one could tell me why. Finally, I got an email stating that the closing company hadn't received the closing costs. After being told that for over a week, they refunded me the closing costs that they claim they did not receive. Then I was told that the closing company left out a document and in order to reschedule closing, I would have to pay the XXXX bill. I had to put other bills on hold but payed the payment ( over a month late ). We rescheduled for XXXX. One hour before the notary was supposed to come, I received an email stating that Freedom mortgage was in the process of removing late charges from my account and we would have to reschedule. The following week I received a call and several emails saying that I would have to pay XXXX 's payment to reschedule. I did not have the money to do this. I told them that I was applying elsewhere because they were incompetent. The following day they turned me in to the credit bureaus for late pays and lowered my credit score almost 100 points. This completely blocked me from switching companies. My payment history was exceptional for my mortgage and most of my other accounts. The only reason we fell behind is because we trusted our mortgage company to handle a simple refinance. Now I have had to cancel a planned vacation and I have no idea how my kids will get a XXXX. I cant sleep at night., Please tell me they are not allowed to treat people this way.

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 2019-11-24 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:
On XX/XX/2019, I paid XXXX {$830.00} with my PayPal account : XXXX. 

I later cancelled the ticket within 1 minute, but XXXX charged me a cancellation fee. I started dispute case XXXX with PayPal. PayPal requested additional documents, and I've provided everything to them. 

PayPal 's reason was : " This decision was made because we never received documentation that proves you are due a credit. '' However, I did provide the refund details sent by XXXX. 

On XX/XX/2019, XXXX finally agreed to refund my ticket in full, and I received an email from them saying " We are writing to inform you that the full refund for the flight reservation was processed on XXXX XXXX. The refund should appear in the bank card account in the next 14 days. '' However, on XX/XX/2019 I received a " notice of debit '' from PayPal asking me to pay them back {$830.00} USD. This does not make sense, as the merchant has issued a refund to my original payment method ( which is PayPal ).

Company response to consumer: Closed with monetary relief