vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX WHILE CHECKING MY CREDIT REPORT, I FOUND ITEMS THAT DO NOT BELONG TO ME. I REQUESTED LEGAL DOCUMENTS TO VERIFY THESE ACCOUNTS BUT HAVE NEVER RECEIVED ANYTHING. THIS MUST BE IDENTIFY THEFT. I AM A VICTIM OF FRAUD. 

Please delete the following items : 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****. 


You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2020-02-10 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX WHILE CHECKING MY CREDIT REPORT, I FOUND ITEMS THAT DO NOT BELONG TO ME. I REQUESTED LEGAL DOCUMENTS TO VERIFY THESE ACCOUNTS BUT HAVE NEVER RECEIVED ANYTHING. THIS MUST BE IDENTIFY THEFT. I AM A VICTIM OF FRAUD. 

Please delete the following items : 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. 


You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Mortgage company is reporting 60-90 late payment on an account that is paid off

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 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XXXX XX/XX/2020 I was forcefully logged out of my account on my mobile banking app without my consent or any form of contact being made. This is not the first time this has happened and they have restricted my access to my account information, but the 5th time and in the past they have begrudgingly fixed my issues but now I have attempted to fix it again but instead I was forced to remain on hold for 20 minutes. This is unacceptable and I am heavily considering and looking into moving my finances into another bank or credit union after the complete disregard for my financial information and my concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cheadle Law Firm
State: TN

Complaint narrative:
I just caught this a minute ago, I would like to know exactly what this means : " The lender 's contract with this borrower obligates the borrower to pay the lender 's attorneys fees. Those fees continue to increase. '' This looks as if you are saying the attorney fees are increasing. How is that possible? Are you going to try to charge me for writing several responses for {$400.00} per hour or for two sentences? 

I'm not sure how this attorney could say " those fees continue to increase. '' I'm not understanding that. 

Please verify EXACTLY what you mean by this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: NH

Complaint narrative:
Netspend called and said there was a suspicious transaction on my account. I called to verify that it was me who made that. Shortly after getting off the phone, the money was taken out. On XX/XX/09 at approximately XXXX XXXX, {$940.00} was withdrawn from my Netspend prepaid account. I called Netspend 5 times and they dont seem to know where my money is. No one else has access to my Netspend login information. They say theres nothing they can do except launch an investigation that could take up to 90 days.

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 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2020, ,Continued Issues, ,I also Heard That ( Mr XXXX XXXX ) was Fired Last. Week At That Wells Fargo Bank So What Is Company Doing About That Problem And Every thing else, ,So UnAcceptable He Stole From Me And. Some of Customers At The Company, ,So UnProfessional and So UnAcceptable!!, ,So What Is The Company Doing About It ( NOW )!! And Also Went To Get Cash At The Bank on about The 5 or 6, ,At The Wells Fargo Bank at XXXX XXXX XXXX , ,In XXXX XXXX NC , XXXX, One Of The Bankers was Very Rude, ,And UnProfessional To Me She Was A Older Woman, ,I Forgot Her Name But She Has Blonde Hair And Wear Glass, ,So UnProfessional!

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 2020-02-10 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: NV

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 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 2020-02-10 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Called chase card customer service at XXXX to book airline tickets. We were quoted a rate for 4 airline tickets in the amount of XXXX, we received and email of this charge, them six minutes later we received an additional charge of XXXX. We had been on the call with the chase booking agent while he repeatedly asked us to repeat our information. He then gave us an itinerary number. What we did not know is that this itinerary number was not associated to the originally quoted amount. Im six minutes our tickets prices had jumped almost XXXX. The only solution escalating this was waiting 72 hours for someone to listen to our call. At which time they offered after the 72 hours ( after tickets were officially booked ) they would refund us the amount of they determined on the call we were quoted the XXXX amount. After speaking with two supervisors we were told this was our last option at which time we cancelled everything, however the credit to our credit card for XXXX would not be back on our card for 24 hours. Chase travel is using deceptive practices to book airline tickets or have not properly trained their call center employees to book the services offered per there services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just check my Credit. I notice an account that I did not authorize. this Account is fraud and I would like to report this I cant understand how this could happen, its like anyone can have access to your personal information. 
I would like this matter to be resolved, also I would like to add an fraud alert to my credit file ASAP so that can no longer happen 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 non-monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Brought XXXX XXXX from XXXX XX/XX/XXXX, Bridgecrest finance the car for XXXX, for 72 months the car was total on XX/XX/XXXX and I still owe XXXX. I wasnt at fault didnt have Gap they claimed. The third party ins took blame was suppose to paid them XXXX they also took my vehicle and left me carless. My problem is I paid them XXXX a month and only XXXX is applied to principal

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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just check my Credit. I notice an account that I did not authorize. this Account is fraud and I would like to report this I cant understand how this could happen, its like anyone can have access to your personal information. 
I would like this matter to be resolved, also I would like to add an fraud alert to my credit file ASAP so that can no longer happen 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 2020-02-10 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: FL

Complaint narrative:
I just check my Credit. I notice an account that I did not authorize. this Account is fraud and I would like to report this I cant understand how this could happen, its like anyone can have access to your personal information. 
I would like this matter to be resolved, also I would like to add an fraud alert to my credit file ASAP so that can no longer happen thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: NV

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 explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
CFPB Complaint # 1 - VIOLATION OF RESPA - 12 CFR 1024.36 AGAINST NATIONSTAR MORTGAGE LLC D/B/A CHAMPION MORTGAGE COMPANY Servicer : Nationstar Mortgage d/b/a Champion Mortgage Company Loan # : XXXX Estate of XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ( Legally Named Heir ) Property Address : XXXX XXXX XXXX, XXXX, VA XXXX Trustee Sale Date : XX/XX/XXXX To whom it may concern : Nationstar Mortgage LLC d/b/a Champion Mortgage Company ( Champion ) has violated 12 CFR 1024.36 by failing to properly comply with my Qualified Written Request ( QWR ) which I served on Champion on XX/XX/XXXX. 

I received a letter from Champion Mortgage Company, dated XX/XX/XXXX, acknowledging receipt of my QWR. The letter stated that Champion would respond to questions as set forth in my QWR, as well as provide pertinent documentation by XX/XX/XXXX. To date, I have not received either. 
I have filed a lawsuit against Nationstar Mortgage LLC d/b/a Champion Mortgage Company, however I cant get them to respond to my QWR. The law states that I deserve answers to my questions presented to the Servicer. But the only thing Servicer is interested in is foreclosing on my home on XX/XX/XXXX. Since I am being ignored, I need assistance from Consumer Finance Protection Bureau with this very urgent matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX " XXXX XXXX '' telling my my XXXX frequent flyer account had been terminated. The reason was vague, multiple choice and more of a form letter that anything specific. At the same time they canceled 3 flights of a set I was about to start taking on XX/XX/XXXX. 

I had accumulated XXXX miles in this XXXX account. This from a combination of credit card offers, direct spend on these credit cards and yes, some miles from 2 specific revenue flights. The flights that were canceled has cost an additional XXXX total from my XXXX account. 

On to the Citi part. From some internet research about this issue, it appears that XXXX  is doing this to many " customers ''. The consensus is apparently that I obtained too many credit cards ( and associated bonus miles ) from Citi. Their belief is that using only Citi 's most strict rules, you can only get 3 or so credit cards in a 2 year period. Offers that Citi sends through the USPS mail have less strict restrictions and it is easy to obtain more than the limits XXXX  is applying. 

In short, Citi approved " too many '' credit cards for me and Citi 's partner, XXXX XXXX, thought that my count was too high. Without warning or recourse, they closed my account. Citi provided me with generous credit card sign up bonuses that were subsequently taken away by their partner, XXXX. XXXX believes it can do anything it wants with its program and for any reason. Citi does not provide a warning during the application process and somehow happily allows customers to sign up for too many ( in XXXX  's eyes ).

The frustrating part about this is that Citi can claim it was XXXX  committing this foul, where XXXX   makes vague claims and the bottom line is it thinks Citi gave out too many credit cards with bonuses. 

I suspect XXXX  sold these miles to Citi. Citi issues them to me after meeting various financial obligations ( a significant cost to me ), then XXXX  takes them away? What kind of scam is this? 

I will note, also, that Citi continues to offer XXXX XXXX credit cards to  customers with XXXX  mile bonuses. I still don't see a warning about XXXX  's " right '' to take them away as they please.

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 2020-02-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I renewed my CD with ALLY BANK on XX/XX/XXXX for one year. I called this bank on XX/XX/XXXX to find out what is balance of my CD. I spoke to MS.XXXX, She told me that balance is same as it was on XX/XX/XXXX. I asked there was no interest added to this account. The maturity date of this CD was XX/XX/XXXX. She was very stub-en & rude in behavior. I was surprised that it was fraud, Bank kept my money & paid no interest into this account. She told me that no manager was available to speak to me regarding this problem. This bank had very bad customer service. I am quite upset with 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 2020-02-10 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: Experian Information Solutions Inc.
State: NV

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 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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I have been denied the opportunity to open a checking account by numerous financial institutions due to information provided to those institutions by Early Warning Services. Specifically, Early Warning Services is reporting fraudulent activity on previous accounts, despite no such fraudulent activity having occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: MI

Complaint narrative:
I have been going back and forth with TransUnion and I have not been able to get this harmful and inaccurate information off my credit profile, even after submitting a police report and an identity theft form. Many addresses, phone numbers, and names have been found on my credit profile that I am not responsible for nor associated with. This fraudulent information is harmful to my profile, it is affecting all aspects of my life, and hindering me from any financial decisions. It is robbing me of my basic rights as a citizen of the UNITED STATES OF AMERICA. TransUnion is the company responsible for allowing this information to be reported on my account in the first place. Many people are very ignorant of their credit profiles and do not know that Credit Reporting Agencies make money while their information is on their report, regardless of whether it is true or false information. I did not apply for the following accounts/services, I have been traveling the world back and forth. I did not give TransUnion consent to place anything on my profile, nonetheless anything FRAUDULENT. I am being denied basic human rights such as shelter, safety, and privacy. If the following fraudulent accounts and fraudulent address are not removed from my TransUnion credit profile, I will be forced to hire an attorney and seek damages due to TransUnion 's unchecked and UNLAWFUL actions against my life and my credit profile. 
FRAUDULENT ACCOUNTS BELOW 1. XXXX XXXX ( Authorised User ) XXXX**** 2. DEPT OF ED / XXXX XXXX**** FRAUDULENT INQUIRY 1.  XXXX XXXX XXXX FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX XXXX MI 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 2020-02-10 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: MI

Complaint narrative:
I have been going back and forth with Equifax and I have not been able to get this harmful and inaccurate information off my credit profile, even after submitting a police report and an identity theft form. Many addresses, phone numbers, and names have been found on my credit profile that I am not responsible for nor associated with. This fraudulent information is harmful to my profile, it is affecting all aspects of my life, and hindering me from any financial decisions. It is robbing me of my basic rights as a citizen of the UNITED STATES OF AMERICA. Equifax is the company responsible for allowing this information to be reported on my account in the first place. Many people are very ignorant of their credit profiles and do not know that Credit Reporting Agencies make money while their information is on their report, regardless of whether it is true or false information. I did not apply for the following accounts/services, I have been traveling the world back and forth. I did not give Equifax consent to place anything on my profile, nonetheless anything FRAUDULENT. I am being denied basic human rights such as shelter, safety, and privacy. If the following fraudulent accounts and fraudulent address are not removed from my Equifax credit profile, I will be forced to hire an attorney and seek damages due to Equifax 's unchecked and UNLAWFUL actions against my life and my credit profile. 


FRAUDULENT ACCOUNTS BELOW 1. XXXX XXXX xxxxxxxxxxxx XXXX 2.  DEPT OF ED / XXXX XXXX XXXX FRAUDULENT ADDRESS XXXX XXXX XXXX, XXXX, MI XXXX

Company response to consumer: Closed with explanation