vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to remove the fraud alert from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I have a credit card with Citi card. We just realized that we were being charged for their " payment safeguard '' program, which they applied to our card in 2005 without ever notifying or asking permission. This is supposed to be an optional program, yet they were able to leach thousands of dollars from us before we knew. We cancelled it immediately and requested a refund for the services we never received or even approved. They claim we agreed to it over the phone, but can produce no record of it. We've been desperately trying to pay off our balance and I feel their company has been stealing from us the whole time and essentially making it impossible for us to get out of debt. They also claim the point of the safeguard feature is to protect you from late fees if you miss payments due to hardship, which I have and still had to pay extra fines. The whole process seems completely illegal to me and I believe we deserve to have that money credited back to our account and applied to our substantial balance that we are still paying.

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 2019-11-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This is regarding dispute XXXX with Citi Bank. 
On XX/XX/2019 I book 4 night stay in XXXX XXXX XXXX, NJ in XX/XX/2019 via XXXX using my CitiCard credit card. Me and my kids spend 1 night in the motel. the next morning, the general manger asked us to leave the motel because I complained that the room was unsuitable for adults and young children to stay in due to poor sanitation conditions ( bed sheets were stained, room was dirty ), mold in the bathroom, no air circulation ( windows wont open ), no light ( lamp was broken and didnt work ) and safety hazard ( wood headboard collapsed on the bed, floor was dirty, wet and slippery from humidity ) .I asked for a refund and only then I was told that this transaction is non-refundable ( apparently it's on XXXX website but very not clear ) I called CitiCards on XX/XX/2019 and asked to dispute the charge since I didn't receive service. On XX/XX/2019 CitiCard asked me for documents proving the charge is refundable or any proof that shows the merchant 's policy was not disclosed to me at the time of the sale.On XX/XX/2019 I responded to CitiCard with all the documents to support my claim for dispute, I provided pictures form the motel, I wrote a clarification letter and I attached the motel general manager respond that says that she needed to contact the police to escorted me out of the property, I also attached the police report and my name doesn't appear there - meaning - the general manager admits that she asked me to leave the property but her claim ( that she needed to escorted me out with police ) isn't true - she charged me for 4 nights, asked me to leave after 1 night and wouldn't refund me - its a fraud! On XX/XX/2019 CitiCard sent me a request to provide documentation showing that the merchant agreed to credit my account and they notified me that this investigation consider complete and it is resolve in the merchant favor. On XX/XX/2019 I called CitiCard again and spoke to a supervise named XXXX that wasn't willing to listen to me or to help me. On XX/XX/2019 I called again and spoke to a representative that told me that this dispute was being processed as if I canceled the stay and due to the non-refundable policy - CitiCard didn't credit me. She re-open the dispute and I emailed 2 clarification emails since then. I still haven't hared anything back yet.

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 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: GA

Complaint narrative:
I was harassed to pay an already paid debt I presented receipts of payment and was told lies such as the check bounced or I paid with fraudulent funds. My girlfriend was also harassed and threatened by the company until she started a payment plan, Ive written the court and the sent a letter to draw down the funds so they can be paid and when I had my girlfriend to call hunter warfield we were threatened again with further legal actions and damages to our credit. I have called them countless of times and they should have records of the way they spoke to me as if I was XXXX and didnt deserve to have this matter solved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Bank of Texas falsely claims they have " Free Checking '' but charge a fee for paper statements and REFUSE to let customers opt out of that fee unless they sign up for online banking=which EXPOSES customers to fraudulent activity. 

Forcing customers to expose their accounts to fraud seems unlawful. It should not be a requisite to obtain something deemed 'free '. 

I'm asking CFPB to prohibit financial institutions from claiming a service is " free '' if it's " free '' if and only if clients are forced to expose their finances to fraud thru online banking or other undesired exposures. 

see website here : https : //www.bankoftexas.com/personal/products-and-services/personal-banking/checking-accounts/free-checking Site does not disclose that online banking is demanded for checking to be " free ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: PA

Complaint narrative:
HunterWarfield ( XXXX ) XXXX FLORIDA XXXX No Transcript Available. 

VOICEMAILXXXXXX/XX/2019 Keep calling me and asking for another person who does not live here and do not know. This started on home phone and migrating to our cell phones. 
I have contacted them they are rude. I asked for a supervisor and get stone walled. 
Have insisted they remove my number after answering a phone call, they insist on wanting my personal information to remove my numbers. 
I told them I do not give out that information since they called me and should have my number. 
I want this company stopped they are exceedingly unprofessional. 
Us robo callers that you have to press a digit on the phone then they start this investigation into wanting info. As far as I am concerned I have not debt that they need to look into or look up my name to see if I have any. 
I have my utilities, home mortgage, and car loan. All paid in full and current.

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 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom, it may concern my name is XXXX XXXX XXXX I am writing to inform that after reviewing a copy of my credit report I have discovered that I am a victim of identity theft because there is an account in my credit report that is fraudulent ( including 2 inquiries ). The situation has caused me to be very depressed and troubled. I am in the process of buying a car for my son that is going to college and I want this matter to be fixed ASAP. Thank you very much.

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 2019-11-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Investigation took more than 30 days. Would like for the reappearing already deleted items to be completely removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: GA

Complaint narrative:
I recently disputed information on my credit reports due to upon pulling my report for business opportunity, I noticed inaccuracies in the form of a bankruptcy, wrong personal information, unauthorized inquiries and I addressed these issues with this company. I included letters I wrote to Court and XXXX which is where they stated they verified the bankruptcy and I included letters from these same entities stating they did NOT and do NOT verify this information resulting in XXXX deleting the item from their record. I am very distraught because their lack of cooperation is not only hurting my credibility and character but costing me business opportunities as well. I recently suffered the loss of my veteran husband and I am trying to stand on my own without unnecessary setbacks. I am including the letters I received from the court and XXXX, the same letters I included to the company.

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 2019-11-18 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:
I recently disputed information on my credit reports due to upon pulling my report for business opportunity, I noticed inaccuracies in the form of a bankruptcy, wrong personal information, unauthorized inquiries and I addressed these issues with this company. I included letters I wrote to Court and XXXX which is where they stated they verified the bankruptcy and I included letters from these same entities stating they did NOT and do NOT verify this information resulting in XXXX deleting the item from their record. I am very distraught because their lack of cooperation is not only hurting my credibility and character but costing me business opportunities as well. I recently suffered the loss of my veteran husband and I am trying to stand on my own without unnecessary setbacks. I am including the letters I received from the court and XXXX, the same letters I included to the company.

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 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom, it may concern my name is XXXX XXXX XXXX I am writing to inform that after reviewing a copy of my credit report I have discovered that I am a victim of identity theft because there is an account in my credit report that is fraudulent ( including 2 inquiries ). The situation has caused me to be very depressed and troubled. I am in the process of buying a car for my son that is going to college and I want this matter to be fixed ASAP. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed address information with Equifax. I have also received three different credit reports from Equifax showing they have deleted the former addresses. They still currently appear on my Equifax credit report. They are refusing to remove the old addresses even though dispute is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Please accept this narrow and specific Qualified Written Request under 12 CFR 1024.36 for a copy of the life of the loan accounting and life of the loan escrow accounting for Trade Line XXXX, Chase Mtg, {$74000.00}. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: FC HoldCo LLC
State: UT

Complaint narrative:
Flagship Credit is reporting a debt on my credit file that I do not owe. I refinanced this account back in 2016 to XXXX XXXX. They are reporting a past due balance along with lates. I was never late on this account. Flagship credit is in violation of FCRA. and needs to report correctly.

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 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX Report Number This dispute was opened in XX/XX/2919 It was Identity Theft / fraud where 2 credit cards were opened up with my personal information. The banks issued the credit cards $ XXXX in each card. XXXX XXXX   And XXXX XXXX. 

I still see both in my Experian credit report!!! 

How can I get them removed?? 

Never can reach a real personal n at Experian and Banks never can provide concrete information PLEASE HELP. I always had excellent credit reports and now down to poor.

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 2019-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have ( or had now ) 3 Capital One Cards, All three accounts are closed they been paid for no problem for years when I changed banks and set up a new auto pay since the accounts are closed I havent been checking the status when I get them because the accounts are closed if the auto pay is set up theres no reason to look at anything with the account being closed the minimum monthly isnt going to change all of a sudden I get a notice in the mail only notice Ive ever gotten about anything the one of the accounts was sold to collections! 

How? Why? Because even though I turn the auto pay on and set it up it wasnt working no phone calls no notices in the mail nothing such XXXX  way to ruin my credit capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: OR

Complaint narrative:
I applied for and was approved for a personal loan in approximately XX/XX/2004. I received the money, paid off some credit cards and other bills and started making payments on the loan. Right around that time my father died, several months after his death, I received a small amount of life insurance from his death that my mother had given me. With that money I paid off this debt. I do not have any records as this was approximately 14 years ago. I have never been contacted by any collection company about this debt until now, 15 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Credit card payment was due on XX/XX/XXXX. Made payment on XX/XX/XXXX @ XXXX ( CST ) and acknowledgement was dated XX/XX/XXXX. Payment confirmation number : XXXX. The credit card company ( Capital One ) then charged me a {$27.00} late fee. Since payment was made on the date required, no fee should have been charged. Reached out to bank, but they stated that their deadline for payment is XXXX Eastern Standard Time ( XXXX CST ) .In other words, they do not give customers the full day to make the payment. ( Persons on the West coast would have to pay by XXXX or have extra fee charged )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18 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: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do not owe. I refinanced this account back in 2016 to XXXX XXXX. They are reporting a past due balance along with lates. I was never late on this account. XXXX  XXXX  is in violation of FCRA. and needs to report correctly.

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 2019-11-18 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do not owe. I refinanced this account back in 2016 to XXXX XXXX. They are reporting a past due balance along with lates. I was never late on this account. XXXX  XXXX  is in violation of FCRA. and needs to report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please accept this narrow and specific Qualified Written Request under 12 CFR 1024.36 for a copy of the life of the account accounting and life of the account escrow accounting for the following two account / trade lines, 1 ) XXXX and 2 ) XXXX. Thank you, 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
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
The Seterus, Inc. company, which is currently being sued for mortgage fraud in the New York Supreme Court, as previously filed before this agency in a complaint ( XXXX aboutd SETERUS, INC ), has taken more illegitimate actions in conjunction With the board of directors of XXXX XXXX XXXX, an illegitimate board said by a Supreme Court Judge, XXXX XXXX, ( Annex A ), the dismissal is currently being disputed as other current shareholders in the same Cooperative have expressed their willingness to participate in the 2018 Board Challenge. The same board of directors also faces a Breach of Fiduciary Duty and fraud charges in a pending action to which a class will soon join of refiled if necessary, in an effort to try to recover more than XXXX XXXX dollars in defrauded real estate from XXXX XXXX XXXX XXXX ( the same cooperative sponsor and managing agent ) and board members who voluntarily participated in the fraud for personal gain. The lawyers who fabricated the claims on the eviction of Ms. XXXX, which includes XXXX XXXX, XXXX XXXX and XXXX XXXX, are under investigation for conspiracy, harassment and fraudulent evidence before a court of law, and the board faces perjury charges. 

Seterus, INC., Under its parent company, has auctioned the property of XXXX XXXX XXXX, with the cooperation and assistance of the people mentioned above and in violation of the New York Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed address information with XXXX. I have also received three different credit reports from XXXX showing they have deleted the former addresses. They still currently appear on my XXXX  credit report. They are refusing to remove the old addresses even though dispute is completed.

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