vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have had a XXXX  XXXX XXXX Credit card for over 17 years. I have perfect credit and have never once missed a payment. I have always opted for paper statements and have been receiving paper statements without problems for years. Without my permission or knowledge, XXXX  XXXX XXXX switched my statements to e-mail statements without notifying me and used an out of date e-mail address that was on file from over 14 years ago ( not current nor viable ). For two-three months, no statements were received. I was not contacted via phone. XXXX  XXXX XXXX sent information to a credit agency stating I missed a payment, who eventually contacted me via snail. As soon as I was properly notified, I immediately made a payment and then paid off the balance in full. There is currently a credit due to me on my account due to over payment. XXXX  XXXX XXXX then decreased my credit line by 90 % and provided misleading information to the credit bureaus, which resulted in a drop of my credit score ( which was in the mid-800 's ). I've contacted XXXX  XXXX XXXX multiple times to file complaints and initiate investigations as to what went wrong. They admitted that they wrongly changed the bill delivery to e-mail, discovered the disconnect and re-issued the old paper statements that were not received. I requested that their mistake be remedied so that my credit score is not negatively impacted. They just notified me via mail that my request has been denied ( for no reason-it was their fault!!! ). My request is that my credit score, which was flawless until this company engaged in wrongful acts not authorized by me, be rightfully restored.

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 2019-12-15 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: CA

Complaint narrative:
while checking my most recent credit report i found items and inquiries and collections that do not belong to me please validate and remove from my report..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: CA

Complaint narrative:
while checking my most recent credit report i found items and inquiries and collections that do not belong to me please validate and remove from my report..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15 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: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX  XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX/XXXX  # XXXX XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX** XXXX XXXX  XXXX/XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX XXXX  # XXXX XXXX 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 2019-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
At the beginning of my loan i set up Bi Weekly payments and asked my lender to apply any payments as soon as received. XXXX XXXX XXXX/ Dovenmuehle Mortgage INC.
 Then i filled out the form that came by mail with first time home buyer consumer info. 
XXXX  Bi-Weekly Administration. ID # XXXX.  Referance I.D. XXXX XXXX
 And i make sure funds are there weekly as if Bi-Weekly is good Weekly should be better.
 After wondering why my Loan completion date has not changed or Amount owed i inquired and have been told by XXXX XXXX that they hold the payments and apply as soon as the amount due arrives. I inquired into why and she told me thats the way they do it. Then a teller tells me that any amount i pay can be applied at any time. Well i thought i was apply $XXXX per week for 6 years and the money comes out of my account every  week why is it not being applied.
The forms for the Bi weekly were filled out prior to XX/XX/2014 and money comes out of my wifes account weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has charged me for 3 different times for services I've repeatedly esch month have asked to be canceled but each month they take my money off my card then tell me there isnt a refund policy. Like they are stealing from me period. Please help

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 2019-12-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX  XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX/XXXX  # XXXX XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX** XXXX XXXX  XXXX/XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX/XXXX # XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15 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: DISCOVER BANK
State: CT

Complaint narrative:
This dispute has been going on for almost 6 months now. 
I purchased an internet package from the XXXX XXXX XXXX onXX/XX/XXXX for XXXX. The internet did not work ; therefore I went to the internet manager and she credited me for XXXX. The next day I was charged XXXX. I went to the internet manager and she advised that it was a mistake and would be credited again. 
The other dispute is for the XXXX XXXX. The charge of XXXX was for a haircolor. My discount promotion was not applied ; therefore they issued me back a credit of XXXX and charged me XXXX. I am not disputing the amount of XXXX ; I disputed the amount of XXXX. The hair color completely washed out when I arrived home the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
2 months ago, i received a sealed gift card from my customer for my daughters birthday. I kept the card for XXXX shopping and i took it out today. However, it didnt allow me to use it, so i called the number on the backside. The customer service agent said someone already registered card. Since i just opened this card, so i never registered. Even the person who registered didnt match my name, my wife name, even my daughters name. I tried to solve this problem and asked what i can do, the customer service agent answered me to send the copy of card and the original receipt from purchase gift card. Gift card is gift card that i cant get the original receipt. She refused to answer any question since the information does not match. I tried to solve the problem any way, and kept asking, but nothing could be 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 explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ZIONS BANCORPORATION
State: NM

Complaint narrative:
In XXXX of this year we started getting calls from Vectra Bank stating we were behind on our payments for our personal line of credit. We also started getting notice from XXXX  XXXX  that they had posted past due payments on our credit report. We were confused because our payment is Auto Drafted and we set it up to be the required payment by Vectra, and it's been that payment from the inception of the line of credit. We have not missed one of those payments. The " collectors '' noticed that and were confused so they researched it further as well. We called the local office and they didn't know either. They finally got back to us and apprently what happened is that Vectra REFINACED the line of credit WITHOUT our consent and it doubled our payment. We absoluetly can not afford to pay double that payment and now we have over 400 in late fees and our credit score has gone way down. How is this even legal to completely change the terms of a loan that we have had for over 5 years without our consent or even giving us a phone call. I was in the local branch a couple months before they did it so why did they not talk to me then? We live in a small town, they have our cell phone numbers, one of the women that is the lead teller has known my family since we were children. This makes no sense. I want to see the documents with my and my husbands signatures on them that makes this ok.

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 2019-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I provided a written 30 day notice I was moving. And being that I lived there for 8 years maintenance was not willing to fix anything that was wrong. XXXX  has been informed to remove this account. I need them to remove fro XXXX  and XXXX. 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 2019-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The following two collection companies are reflected on my credit report. I have never had an account with either company and these are reporting in error as I have requested the signed agreement in which I made with both companies at which they stated they didn't have one. I notified XXXX XXXX and Transunion so as to have this erroneous information removed to no avail. The two companies being reported on my credit report in error are below : 1. XXXX XXXX XXXX : XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX Texas 2. XXXX XXXX  ACCT : XXXX XXXX XXXX XXXX XXXX, MA 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 2019-12-15 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The following two collection companies are reflected on my credit report. I have never had an account with either company and these are reporting in error as I have requested the signed agreement in which I made with both companies at which they stated they didn't have one. I notified XXXX, Experian and XXXX so as to have this erroneous information removed to no avail. The two companies being reported on my credit report in error are below : 1. XXXX XXXX XXXX : XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX Texas 2. XXXX XXXX ACCT : XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15 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: CT

Complaint narrative:
The following two collection companies are reflected on my credit report. I have never had an account with either company and these are reporting in error as I have requested the signed agreement in which I made with both companies at which they stated they didn't have one. I notified Equifax, XXXX and XXXX so as to have this erroneous information removed to no avail. The two companies being reported on my credit report in error are below : 1. XXXX XXXX XXXX : XXXX XXXX XXXXr XXXX, XXXX XXXX XXXX XXXX XXXX Texas 2. XXXX XXXX ACCT : XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a business card with Capital One and have a problem. On XX/XX/XXXX my account access was locked. I contacted Capital One and they not only did not resolve the problem but they permanently locked the account with no explanation or cause. The account is in good standing, never late and is over five years old. I recontacted Capital One on XX/XX/XXXX and they refuse to resolve the issue or even let me know what is the problem so I simply made a payment. Here is the issue ; 1. Capital One refuses to provide any statements, 2. Capital One refuses to provide interest paid forXX/XX/XXXX which is needed for tax reporting 3. Capital One refuses to provide any statements going forward in XX/XX/XXXX 4. Capital One refuses to provide any person, escalation path or information regarding the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
According to my last statement dated XX/XX/XXXX 2019 my total year to day overdraft fees are {$1000.00} plus one {$35.00} NSF fee. This is extremely excessive. My account is currently overdrawan {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION
State: LA

Complaint narrative:
BBVA decreases my card limit despite me having a great payment history AND paying off large balances in the past. 

Totally unfair and unwarranted! 

Are they mixing things up with my sons credit power? He has the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
This issue has been going on since XX/XX/XXXX. The first representative filed the issues as a dispute and not fraud, so I was never issued a new debit card. After months of phone calls and a CFPB dispute it was reopened as fraud but only the {$250.00} was reopened as fraud. The {$110.00} was not reopened as fraud and now has been sided against me because they redid it as a dispute a 2nd time. 


First dispute case : XXXX XXXX XXXX 2019 {$110.00} first case Charge # 2 XXXX {$250.00} XX/XX/2019 The {$250.00} is now a fraud case # XXXX The {$110.00} provisional credit will be removed from my account on XXXX XXXX 2019. 

This is absolutely absurd. I have called USAA so many times I have lost track. I just want this issue taken care of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I dont have an account with any of these companies or never applied for an account with these companies. it is affecting me from getting a small business loan for my business. 

XXXX XXXX XXXX XXXX is unknown to me i been trying for years to have it removed after my ftc case in 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE 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 2019-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, I initiated contact with a website called XXXX  regarding a puppy under the name of XXXX. They soon sent me a message from text from the phone number listed on the website, but also sent me a detailed email about the puppy. I was charged {$650.00} for the puppy and an additional {$150.00} for the air shipping. I initially sent {$500.00} through the application called Zelle on Friday the XXXX, then sent {$300.00} on Saturday the XXXX, since my daily limit was {$500.00} per day. On the XXXX I received another email from a so called XXXX XXXX from XXXX XXXX ways. They gave me a website to track my puppy as well. They soon said to proceed with the delivery they required me to buy a thermal crate of {$1800.00} and was promised a refund at delivery. However, they then all stopped responding. I was able to trace the photos I was sent by the breeders from other websites. I have phone numbers, screenshots of conversations.

Company response to consumer: Closed with explanation