vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I had a hit on my credit report for {$560.00}. I was notified by XXXX XXXX and XXXX XXXX. When I opened it to see what it was from, it said collections from First Federal Credit Control. I have never heard of them and was never notified by them at all. I had no knowledge of this debt, received zero debt validation. So I called the number listed and the lady ( XXXX XXXX ) was the rudest person I have ever spoken to, even hung up on me multiple times. Just kept telling me to pay it and she will remove it from my credit, but could not tell me what the amount was for and why it was so much. She said they tried sending me something in the mail, but it was returned to them since they had the wrong address. So she acknowledged that I never received anything in writing regarding this debt. After finding out the bill amount from the doctor 's office, the collections agency still said the amount is {$560.00}, when the original bill was {$460.00}. She told me she can't do anything about the amount and that I need to pay it. I asked multiple times to be transferred to someone else or a manager and they just kept hanging up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: MD

Complaint narrative:
They have added interest on a charge off account which is a violation of the FCRA. Delete immediately XXXX  XXXX XXXX from my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I received an email from Citicards XXXX XXXX stating that my account # XXXX will be closed as of the expiration date on the card which is XX/XX/XXXX. Just got off the phone with them, talked to customer service, the client focus team and an account manager to try to set up a payment plan with a lower interest rate. Was told there isn't one available. I then spoke to customer service to close this account as of now and was told firstly that the card is already closed and has been sent to the credit bureau. I asked what about the letter i received and was told in is in the process of being closed. I was then told I can't close the account. Since it is in the process of citi closing it. So instead of the credit bureau seeing that I closed the acct it will see that it was closed by the credit card company which would lower my credit score. That seems illegal to me, a customer should be able to close their account at any time. I have made all my payments and I am not in arrears on any card. I then tried to close my remaining card with them and was told I needed my pin, never has to use one before this. They said they would text my one. Then I was conveniently disconnected. I have been trying to raise it since the end of XXXX at which time I had emergency XXXX XXXX XXXX and wasn't able to work for 6 months.

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 2021-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I placed an order on XXXX XXXX. I paid {$110.00}. In that order I returned three fleece jackets. I did not receive a credit. I called Romans the credit card company. I spoke to XXXX the supervisor. He did not solve the problem. I called Comenity bank associated with romans credit cards. On XX/XX/XXXX XXXX from comenity transferred me to the credit Dept. I spoke to XXXX and she said they will wait for the return. I spoke to XXXX on XX/XX/XXXX. He placed the dispute for the credit owed to me. I have a confirmation no. XXXX. On XXXX XXXX I spoke to XXXX and closed the account. He told me do not pay on card until dispute is settled. As of this date I believe it is not settled. On XX/XX/XXXX I closed the other accounts with Comenity ( womanwithin, XXXX XXXX XXXX XXXX assisted me in closing the accounts. On XX/XX/XXXX I returned the jackets that were sent after account closed. I have returned five jackets. I have ordered anything since the account is closed. I found out there was an item sent XX/XX/XXXX. I spoke to XXXX ( a lady ) and she said she will take off the charge but can not do anything about late charges and interests. She transferred me to the credit Dept. And the hung up the phone. I owe this company nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
This was taken off by XXXX. This debt was already removed before and another credit collection agency bought my debt!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One changed all their customers Routing Numbers for checking and savings accounts the weekend of XXXX XXXX. I was unable to transfer monies from my Savings account to my Revocable Trust Checking account starting XX/XX/XXXX. I'm unable to use my debit card on the ATM machine outside the local branch. I had to withdraw all my money from my savings account and deposit it in my Trust Checking account. My Trust Checking is used to pay bills and automatic withdraws. I've had several phone conversations with Capital One customer service to no avail. They issued a new debit card but until they link the card to my account I can't activate it. I'm forced to go inside the local branch to get cash from a teller. I sure that this problem exist with all the customers that have a Revocable Checking Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have had credit issues and my credit score has been very low over the past 2-3 years. The entire time I have had a credit card with Chase bank and they have never decreased my credit limit. I now have a new job, making $ XXXX a year and started paying down all my debt and improving my credit score ( this is the best it was been I. Years ) but chase lowered my credit limit without an advance notice stating it is based on my credit worthiness and is at their discretion. However, my score is better than it has ever been and makes zero sense. Tried calling chase multiple times and either get my call Transferred to a holding zone for 30+ minutes with no answer get hung up on. 
They tell me they can increase or give me more credit but I have to do a credit line- why? It feels predatory or like they are forcing me to take out new credit. Which makes ZERO sense if they lowered my limit based on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
I was a victim of Identity theft. I thought this issues was resolve after filing at fraud dept. and spoken to them regarding this matter. Just this week I receive a billing statement from a collector.

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 2021-03-23 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: SC

Complaint narrative:
On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 d. On XX/XX/XXXX I received another phone call from this 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 2021-03-23 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: SC

Complaint narrative:
On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 d. On XX/XX/XXXX I received another phone call from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: SC

Complaint narrative:
On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 d. On XX/XX/XXXX I received another phone call from this 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 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XXXX hold on funds Impersonating Bank Representatives Scam of funds and contact numbers Funds verification PNC BANK XXXX XXXX XXXX PNC/XXXX  Check Deposit {$3500.00} XXXX XX/XX/2021 XXXX XXXX XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These credit accounts are unauthorized and need to be removed from my credit report immediately.

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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I had several loans with the Department of Ed/Nelnet. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over XXXX XXXX XXXX and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed/Nelnet and there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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:
hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Identity Theft/Access to XXXX  XXXX XXXX to acquire XXXX banking information. 

XXXX XXXX  XXXX 1 Compromised Email Dark Web Alert and Phone Number Unknown Phone Number:XXXX Subjects XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I recieved a reliacard from US Bank and I did not apply for unemployment benefits and I dont know why and dont need I'm retired.

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 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
In XXXX of XXXX I refinanced my existing Mortgage with Roundpoint Mortgage. Roundpoint was my initial mortgage holder. The bill that was sent to Roundpoint for my homeowners policy was returned to my agent with a letter saying my loan had been paid in full. No new policy was created for the refinance since nothing was changing but my interest rate. I immediately contacted Roundpoint on XX/XX/XXXX to rectify the issue. They contacted my insurance agent for a declaration page and received it the same day, but never made the payment. 
I contacted Roundpoint on XX/XX/XXXX, and the same thing happened. My agent provided them with the same declaration page and billing info, but still no payment was made. I called them again on XX/XX/XXXX, and they were provided the declaration page again along with the billing. Because the premium was due XX/XX/XXXX, I asked for a callback and was promised one Monday XX/XX/XXXX. After no callback, I called in again on the XXXX, and provided the declaration page and billing info once again! XXXX from customer care called me today- XXXX to confirm they finally received the billing and was mailing the payment regular mail. When I asked them to overnight the check, he refused- saying hopefully the payment will make it to XXXX XXXX in time for my 30 day grace. When I asked to speak to his manager, he said none was available.

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 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank closed two deposit accounts I had totaling {$15000.00} on XX/XX/2021. As of XX/XX/XXXX, I have not received those funds. Citibank has told me that on two occasions, they have mailed closing balance checks and have verified my address as the correct one. I have made a dozen calls to Citibank banking division with no resolution.

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 2021-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Wells Fargo Predatory practices Issue started XXXX until the present Over {$50000.00} Wells Fargo attempted to escalate several foreclosures on property cooking their books changing ledgers and entries not applying mortgage payments to account stealing and not reporting over {$45000.00} in an escrow account or my activity report of XXXX XXXX repair funds from vehicle impact to the residence. XX/XX/XXXX Continually lied several statements to the Controller of Currency about having the funds and managing my account until I showed Wells Fargo the evidence I had of all my allegations humiliating me and defaming my character to obtain my claim funds meanwhile escalating foreclosures. Whereabouts pictures and documents and receipts of completed repairs had been submitted for over one year Where they finally admitted to taking the money XX/XX/XXXX Heinous way of obtaining funds by way Wells Fargo 's endorsing a check to me for the deposit, Wells Fargo tactic to put something on check for fraud to alert my bank and have proceeds sent back to them. 
Wells Fargo targets minority victims causing more financial hardship where safety and health concerns were a factor and egress to property no front entrance mail delivery was an issue and violations. My credit and reputation were compromised family member was placed in a XXXX home due to Wells Fargo 's actions Wells Fargo 's public notices of foreclosures made my property a target of vandalism and theft. causing security concerns and stress. Wells Fargo has done much more it is a criminal enterprise, not a bank.

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 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Okay I got issued a American express serve card last year well about 6 months ago someone stole it out my purse. I called American Express and ordered a replacement card okay being I forgot my username and password and I didn't have my card 15 digits to retrieve it I couldnt update my mailing Info to change my address.so they mailed it to my old address I havent seen it yet.i called them and changed my address and still havent received my card I have XXXX on it from my stimulus check. I would really like to get my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: DE

Complaint narrative:
I have tried 3 times, supplying the documents needed to get my mortgage escrow set-up to pay my HO insurance. This should have been done at account origination. The company is United Wholesale Mortgage. Their documentation and follow-up is not that of a regulated company. I have supplied what they needed electronically with proof that they received, then the next agent tells me they never got the documentation. Just plain sloppy.

Company response to consumer: Closed with explanation