vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION
State: KS

Complaint narrative:
They have yet to fix the overdraft charges they caused by running a check on the wrong account. They did not look at the check they had. Went to location in XXXX KS, made the payment with a check. The person did not look at the check in there hands, and used my other account instead of the one that they had the check for. This caused me to accure overdraft charges since it was not supposed to come out of that account. Talked to the person and took in the check to show them there error and was just brushed off. Also called corporate office and was basically brushed off there. I am going to be paying off the account but don't want to because they owe me money for their mistake. It has now been almost two months since this has happened and nothing has been done other than me getting the run around. I will never do business with this company again as they do not know what customer service means. Nor do they understand simple accounting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-15 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED SO MUCH STRESS AND HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. ITS CLEAR THAT FRAUD PLAYS A VERY IMPORTANT ROLL IN THIS MATTER. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-15 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED SO MUCH STRESS AND HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. ITS CLEAR THAT FRAUD PLAYS A VERY IMPORTANT ROLL IN THIS MATTER. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Back in XX/XX/2019 XXXX XXXX stole my info from XXXX  XXXX  along with other homeowners information and used it as fraud in my credit cards and bank accounts. I have 3 police reports regarding the incident. I have disputed all things however capital one refuses to accept the fact that my accounts and credit cards fell under fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XX/XX/2019 I was contacted by my mortgage company, Freedom Mortgage, where they offered me a lower VA rate if I accepted a refinance through them. They advertised that they could switch my mortgage to the new rate and by XX/XX/2019, I would be able to skip a payment and move forward with a lower rate. After months of miscommunication and lack of follow up by Freedom Mortgage they blamed the VA for the process taking so long and said they didn't have the proper documents to prove my service ( even though I already had a VA loan through their company. ) Finally, I was able to schedule a closing in XXXX. Freedom Mortgage cancelled the XXXX closing without notifying me. I then rescheduled in XXXX, where they cancelled again without justification or notification. The VA rate that Freedom Mortgage gave me is higher than the average VA rating with other mortgage companies. They only contacted me to keep my business, knowing that their rates are higher and are now dragging me through this process in order to prevent me to refinance with another company. This is an unfair and deceptive trade practice and is causing me and my pregnant wife much aggravation and stress. It has taken them over 5 months and they still are unable or unwilling to close on my refinance.

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 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
About two years ago i discovered that i have been a victim of identity theft, I discovered that someone unknown to me had used my personal information to get few credit cards under my name and one of these accounts happened to be with BANK OF AMERICA. at that time i had field a police report and had sent the dispute to the bureaus and bank of america and the other credit card company. Both items were deleted from my credit report immediately and i never heard from either companies till a year later when i tried to purchase a vehicle i noticed the same account from bank of america has appeared on my credit report. I immediately disputed the accounts with the bureau and bank of america and the account was removed and put back on my report again. Finally i came to this site to get help to resolve this matter once for all.

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 2020-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CURO Intermediate Holdings
State: NC

Complaint narrative:
Was informed I filed bk was informed by my attorney that I filed bk. Has repeatedly contacted me and has threatened to tell all of my personal business to my references as well as sue me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX inquiry All of these are inquiries were reported to my credit without authorization!

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 2020-01-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have previously disputed these unverified accounts with all 3 credit bureaus.. XXXX   and XXXX  deleted the accounts from my report.Equifax continues to erroneously report these accounts.I have provided clear supporting documents to the fact.I want the erroneous accounts Deleted immediately. 

Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLIED MORTGAGE GROUP
State: FL

Complaint narrative:
I did a refinance loan with Allied Mortgage Group ( XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ( phone XXXX ). I closed on the loan on XX/XX/2019. At closing XXXX XXXX XXXX representative told me you get a month off ( no mortgage payment for XXXX. ) I get a text from my previous lender ( XX/XX/XXXX) on XXXX XXXX stating my mortgage payment is still due XX/XX/XXXX. To my surprise I called XXXX the to inquire about this payment that was due {$990.00}. Turns out XXXX received the wrong payoff amount from Allied Mortgage Group and XXXX XXXX title. XXXX tried to reach out to both Allied Mortgage Group and XXXX XXXX XXXX XX/XX/XXXX and XXXX. They received no response back and they returned the payoff check back to XXXX XXXX XXXX. So from XX/XX/XXXX to XX/XX/XXXX I'm being charged extra interest in sum of {$380.00} from my old lender XXXX because the loan is still open. Not until XX/XX/XXXX did Allied Mortgage and XXXX XXXX resend adequate funds get the loan closed with now a higher pay off amount because of acured interest. 1. How did Allied Mortgage Group give the wrong payoff amount to the my previous lender XXXX? Why was the payoff amount not verified? 2. Why was the correct contact number and contact names for Allied Mortgage Group or XXXX XXXX XXXX not supplied to XXXX in case of a major issue like this one. XX/XX/XXXX I the customer had to notify Allied Mortgage and XXXX XXXX that my loan did not close and i was charged a extra {$380.00} in interest. Allied Mortgage Group and XXXX XXXX XXXX negligence has cost me a higher payoff ( XXXX extra ) that was not even disclosed anywhere on my closing contract. They are stealing money from me if they do not refund me the amount of {$380.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DO NOT RECALL OPENING THE ACCOUNTS BELOW. I REQUESTED VERIFIED INFORMATION FROM THE CREDITORS AND CREDIT BUREAUS. NO ACCURATE DATA HAS BEEN SENT TO ME. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, TXXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX FL XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ohio XXXX Us Department Of Edu XXXXXXXX XXXX XXXX XXXX XXXX, Washington, DC 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 2020-01-15 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: FL

Complaint narrative:
XXXX XXXX is incorrectly reporting information to Transunion, XXXX  and XXXX. They are reporting to XXXX  that the open date on an account is XX/XX/XXXX and reporting to Transunion and XXXX  that the open date is XX/XX/XXXX. I've disputed this account with all 3 bureaus since XX/XX/XXXX and they always report that the information is verified and accurate. How can it be verified with different account open dates? 

I have asked all three bureaus : XXXX, XXXX  and Transunion to provide me with a copy of an original contract with my signature to prove I indeed have an debt with XXXX XXXX and that the information they are reporting is accurate. Neither of these companies ever sent me any proof or documentation to verify what they are reporting was accurate which is a FCRA violation of my consumer rights. 

The company has also listed this account on my credit report as a charge off but still reporting the account late each month and further damaging my credit history and preventing me from being able to obtain credit and start my business, purchase a car or buy a home. If the account is charged off, its already a derogatory remark on my file and should not continue to be reported as a charge off and late on my credit report each month. That is a FCRA violation and I demand this account be deleted immediately from all three bureaus and levy any fines deemed appropriate against this company under FCRA and FTC guidelines.

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 2020-01-15 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Multiple fraudulent charges made in-store at XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX with my Barclaycard Arrival World MasterCard credit card. 

Fraudulent charges include : XX/XX/2020 @ XXXX of {$450.00} in XXXX, XXXX, CA XX/XX/2020@ XXXX of {$490.00} in XXXX, XXXX, CA XX/XX/2020 @ XXXX of {$310.00} in XXXX XXXX, XXXX, CA XX/XX/2020 @ XXXX of {$410.00} in XXXX, XXXX, CA Time of charge and location of charge provided by credit card company. 

Credit card was still under my possession during time of charges. 

Credit card company states chip was used and denies any fraudulent wrong doing despite multiple pleas to reverse charges explaining that despite still having the card in my possession that those charges were not made by me. 

Credit card fraud representative made aware by my self that such large consecutive monetary charges were not flagged by company as possibly fraudulent and I was not alerted of charges immediately after they were made despite having alerts set. One representative basically said that the charges did not appear fraudulent. Her cold tactless response only aided in escalating an already frustrating situation. 

I discovered the fraudulent charges independently on XX/XX/2020 and called the company immediately. Their electronic alert system did not alert me to the charges until XX/XX/2020. Complaint of their alert system also made to company. If their alert system had worked properly further fraudulent charges could have been prevented. 

I do not live and rarely ever shop at these locations. I was not in those locations during time of purchase. I believe a blatant crime was committed. Barclaycard company is failing to assist me in the matter. A police report has been made.

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 2020-01-15 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: DISCOVER BANK
State: SC

Complaint narrative:
The creditor failed to mail paper statements for 2 months, XX/XX/2019 and XX/XX/2019 after paperless was declined. In addition, the creditor reports to credit bureaus that I am over 120 days delinquent when I have never missed making a payment which they acknowledge receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: FL

Complaint narrative:
I DO NOT RECALL OPENING THE ACCOUNTS BELOW. I REQUESTED VERIFIED INFORMATION FROM THE CREDITORS AND CREDIT BUREAUS. NO ACCURATE DATA HAS BEEN SENT TO ME. 

XXXX  XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX FL XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ohio XXXX Us Department Of Edu XXXXXXXX XXXX XXXX XXXX XXXX, Washington, DC 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 2020-01-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I DO NOT RECALL OPENING THE ACCOUNTS BELOW. I REQUESTED VERIFIED INFORMATION FROM THE CREDITORS AND CREDIT BUREAUS. NO ACCURATE DATA HAS BEEN SENT TO ME. 

XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX FL XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ohio XXXX Us Department Of Edu XXXXXXXX XXXX XXXX XXXX XXXX, Washington, DC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
Today, on XX/XX/2020 I called USAA bank to remove consent from overdraft protection per Regulation E so that instead of incurring overdraft charges, they would The representative on the phone told me that it is USAAs policy that they will not remove overdraft protection from a checking account.

This is a violation of regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: PA

Complaint narrative:
XX/XX/2019- unknown debt collector called my phone asking for my name and when I said yes ... they hung up and slapped a {$2500.00} onto my credit report. I sent a dispute letter to the credit bure

aus asking to please investigate and verify this account. for2 months I was receiving debt collectors calls after changing my phone number and blocking spam calls. I still was receiving calls so I upgraded my phone service to blocked any unknown or likely spam calls so that I wo
uldn't receive them at all.

, XX/XX/19- I received a letter saying that I owe the amount and they offered to be discount 25 % percentage to pay debt off, XX/XX/19I received my credit report saying that the debt was deleted because it could not be verified according to the FCRA. but then I saw it was reported to the other 2 credit bureaus XXXX  and XXXX.

, XX/XX/19, I received a flyer saying make full payment of 90 % off on your debt just login to the link below.

XX/XX/19 credit report got hit again with debt in the amount of {$2500.00}, I sent another certified letter to the creditor to please send me proof of my signature and how I owe the debt they claim is mine. and that I will involve my attorney for their illegal practices.

, XX/XX/19- the amount is {$2500.00} They sent a response letter saying that if the debt is not resolved, it may be reported to one or more credit bureaus and that it could adversely affect your credit.

As on XX/XX/2019 I sent another letter for them to send accurate proof of my consent/ signature of so-called owed debt, Haven't received a response yet. 

The Creditor is Hunter Warfield and the original creditor is XXXX XXXX XXXX XXXX which I was never notified by the original creditor of any debt and why I was being billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
There is a debt on my report im not aware of, have NOT received any contact on and this is from XX/XX/2011 so its beyond to old to be placed on my account. Another fraudulent collextion agency doing illegal practices

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have opened the Citi Double Cash Card on XX/XX/XXXX, I have waited for two weeks but nothing in the mail, so I called Citibank about the issue I have and they told me the card has been activated and has charges on the card. Here is the problem, I never receive the card, so those are the unauthorized charges. I filed the dispute and asked them to send me the new card, when I get the new card I activated it and set up the online account but I still see the unauthorized charges amount ( {$490.00} ) on my card. ( They didn't credit me back ) So I called them again about the issue and they said the team is still investigating the case. However, on XX/XX/XXXX I received a letter from Citibank about the case and they said they concluded the investigation and it wasn't enough to support my claim. I have waited and called them so many times after the first call, but still nothing is solved.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Inaccurate items on my credit

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