vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NV

Complaint narrative:
While reviewing my credit report on XX/XX/2020 notice that an Bankruptcy filing from the U.S. court of Nevada, XXXX XXXX. There were information in regarding the bankruptcy that was reported to the credit bureaus by these data providers who are third party recorder who report information to the three credit bureaus. Which are XXXX XXXX XXXX I am exercising my rights under the fair credit reporting act, section 609, to request information regarding. As per section 609, I am entitled too see the source of information, which is the original contract that contains my signature from these three data provider XXXX XXXX XXXX XXXX, Lexus nexus. If either of these parties disclose this information to the credit bureaus which is illegal without my consent I am requesting that this item be removed from my credit report within 30 days of this complaint. These data providers are illegal selling consumers information to the three credit bureaus for their company profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one failed to verify the debt. I asked for signature, contract and debt owed. They constantly call from sun up to sun down!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
After a previous complaint with CFPB ussa contacted me and stated they would attempt to help me. they refunded me for two nsf charges, I was originally charged 22 fees resulting in {$630.00}. I was told that they would try to help with the rest of the fees after further review. later in the day I recieved a email stating that ussa only charges a max of 3 nsf charges per day. after seeing this I check my online statement and saw that they changed every nsf charge ( that all were originally charged and dated within a two day period ) to reflect that there were evenly spaced charges, three per day. I've never seen anything like this! this has to be illegal!! They fraudulently changed the dates off these fees to fit their policy so they would not need to refund them. I have cell phone pictures of the original screen showing the real fee transaction dates, which were all in two days!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Navy federal credit union calls from sun up to sun down I ask for validation of the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
Called today, left no message. I have no unpaid debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Homeward Residential was my original mortgage servicer but later it changed to Ocwen. Loan My mortgage was paid off in 2013 ( I have attached copies of the letter I received at that time ). Recently I applied for a home equity loan at my bank and was told that I still had a mortgage showing for something like {$69000.00}. I showed the loan officer at the bank the paperwork I had showing this was paid. The loan officer told me that the Satisfaction of the lien paperwork for my mortgage was never sent to the city for recording. This was approximately 3 weeks ago. I called Ocwen and explained  my situation. The person I spoke with ( I did not get their name ) agreed that the loan was paid and said they would send something to the bank verifying this information. This was on a Monday. I thought everything was being processed so my loan should go through now, however that week on Wednesday the loan officer called me again asked me to come in so we could have a conference call with Ocwen and she would tell them exactly what she needed as far as paperwork is concerned because the paperwork that was faxed to her was not signed by anyone at Ocwen ( copy also enclosed ). I went to the bank that Friday and with the loan officer we called Ocwen and explained the situation again. The person I spoke with did not seem to understand what I was saying because they kept asking me if I wanted to make a payment so eventually I asked for a supervisor. The man I spoke with ( I did get this ones name but don't have it in front of meXXXX something ) stated he needed 48 business hours to research the matter. The bank told me she would probably know something by the following Wednesday morning. I did not hear from her but on that Friday Ocwen called and said they needed another 5-7 business days to research the matter. It has been about 3 business days and I am still in limbo. This is really interfering with my plans. The bank initially offered me a {$260000.00} home equity loan but because they can not see that my mortgage is paid they have dropped that sum to {$95000.00}, despite me having excellent credit. I told Ocwen this was a time-sensitive situation but can not seem to get cooperation. I am aggravated with talking to a different person every time and this not filing of paperwork should be illegal. The satisfaction paperwork should have been filed with the appropriate agencies 6 years ago and due to negligence somewhere along the line I am not able to get the credit I need and deserve. God forbid I was incapacitated and someone taking care of my estate had to deal with this nonsense, they might have taken my home or money that is not owed to them. What would happen if I tried to sell my home?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TX

Complaint narrative:
I am a victim of fraud. XXXX set up service at a location I lived at 14 years ago. They apparently did not ask for proof of identity. So today I find myself with problems because XXXX allowed me to become a victim of fraud. 

On or around XX/XX/XXXX, I received an email notice regarding a change in my credit report. I found that fraud has occurred and a derogatory item placed on my credit report.. After hours and hours and a few days, I discovered the charge was for XXXX. The only way I have discovered the facts of this case was actually through XXXX XXXX who placed this on my credit report on behalf of XXXX. ( XXXX ) and this is what I learned through XXXX XXXX AFTER filing a fraud complaint with XXXX as well as all 3 credit bureaus. 

I had a previous address of XXXX XXXX XXXX XXXX XXXX, XXXX, Tx. I moved from there, to XXXX XXXX, TX and I have not lived in XXXX since XXXX. That is currently 14 years ago.Someone moved into my previous address and connected XXXX in my name. The date of the fraud occurrence was XX/XX/XXXX. As I stated, I have not lived in XXXX since XXXX. XXXX set this up for someone without any proof of identity, and, they set it up under my name. I fault XXXX for inadequate procedures requiring proof of identification. 

Today, per instructions from XXXX, I contacted the police department in XXXX to file notice of fraud. I am also waiting for a fraud packet from XXXX. 

TransUnion has now notified me that my claim was denied and found to be valid. This is wrong. It is absolutely NOT valid as it is NOT my debt. It has taken me hours and hours to investigate this issue on my own. Had it not been for the info I received from XXXX XXXX, I would still be in the total dark over this issue. 

My credit score has fallen 43 point due to this action. This is not my debt and it is absolutely wrong to expect me to pay {$690.00} on behalf of a thief who has stolen my identity. Again, I state that I was not living there in XXXX, having moved in XXXX. I keep a close eye on my credit. I know who and what I owe at all times. 

The right outcome is to remove this from my credit report. This is the right thing to do. 

I remain hopeful that someone somewhere will help me with the correct resolution. This is not my debt. 

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 2020-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ive been Charge with over 12 Overdraft fees since COVID 19. I tried to resolve this matter with the bank but each time I speak with a representative Im being told something different. I became unemployed and it seem as if thats when the bank started to take fees from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Ive been Charge with over 12 Overdraft fees since COVID 19. I tried to resolve this matter with the bank but each time I speak with a representative Im being told something different. I became unemployed and it seem as if thats when the bank started to take fees from me.

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I provided a one time consent to pull credit on XX/XX/XXXX to GM Financial. The vehicle was delivered to the primary buyer on XX/XX/XXXX with no problems and the account opened on my credit. 

In XXXX the primary buyer was told that a minimum of 3 references were now required. The buyer was forced to do so under void of contract despite already having possession of the automobile with an open account and another credit inquiry was generated. 

The account was opened on XX/XX/XXXX with the primary buyer taking possession and no need for any further credit inquiries were warranted. The unauthorized inquiry on XX/XX/XXXX is self evident as an unauthorized inquiry since the account was open. 

The sales person who can attest to the single credit pull and sale completion on XX/XX/XXXX is XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: NC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX   XXXX US DEPT ED XXXX US DEPT ED 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 2020-09-02 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I contacted the XXXX XX/XX/XXXX in reference to an account with Barclays. After the XXXX contacted them I got a call from someone in HR 3 weeks later saying they were working on my complaint and someone would address it in a few more days. I called back several times before I reached someone who saw the notes on the account indicating a settlement offer could be initiated. I was told the settlement offer was {$1100.00} and it could be sent overnight to XXXX XXXX XXXX XXXX DE XXXX. I was pre-approved for my mortgage XX/XX/XXXX. I was told this account was still showing an open balance of {$2500.00}. It was never updated to " balance XXXX, settled for less than the full balance. On XX/XX/XXXX, myself, my lender, and the credit department from my lenders office called on a conference call, and was told the payment was received and I owed nothing. Fast forward to Monday XX/XX/XXXX I called Barclays inquiring about why the debt hasnt been updated on my credit report and I was told because I didnt pay the entire balance. I asked the rep to review the notes on the account, which she did. She came back and apologized after seeing the notes, gave me a reference number XXXX and no explanation as to why 3 months have passed and this has not been updated on my XXXX credit report. They acknowledged the payment had been received and I know it was received because it was sent certified mail. I need it DELETED from my credit report at this point. Calling is a hassle because a person will be transferred 3-4 times before getting to the correct department and the problem still will not be resolved.

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
this is dated last XX/XX/2020. 
regarding the credit amount of {$4800.00} plus transaction fee and penalty fee. 
because they didn't resolved the disputed amount but I sent already and provide all the documents that they request. 
the reason why I wanted to refund was because I was in a subtle way cheated and deceived with all of my hard earned money. In fact, I have an evidence to prove that they were lying about the price on their website. The price has not been updated up until now.

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 2020-09-02 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: SC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX   XXXX US DEPT ED XXXX US DEPT ED 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 2020-09-02 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX   XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation