vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
on X/XX/17 I made a purchase online from XXXX for school clothes for my son which consisted of sweatshirts and athletic pants. I received the original order and was missing items. I contacted XXXX to report the missing items. I was told via ( online chat session ) that I would be refunded for the missing items. The items that I received did not fit my son ; therefore I sent them back via the prepaid return label that they sent me. I have contacted XXXX several times via phone and chat session and am told every time that " they will investigate ''. That is when I asked my credit card company CITI to help. I received a letter from them ( attached ) that they are unable to assist. I contacted XXXX again today with the same response after chatting with them for over 1/2 hour " they would look into it ''. I was charged {$220.00} for this merchandise, did not receive items and then returned the items that I received. I think it is very unfair that I should have to pay for items that I do not have. I am a single mom ; and this is very rough.

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 2017-10-03 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: TX

Complaint narrative:
HIPPA, CRA VIOLATION INACCURATE INFORMATION MUST BE 100 % CORRECT IF YOU REPORTING

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 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I was advised that an account was open under my name ( XXXX XXXX ) and my business name ( XXXX XXXX XXXX ) @ PNC Bank in New York. I advised them I 've never had an account with PNC and filed a complaint with PNC directly today XXXX XXXX, XXXX. As result causing me to have an issue with opening a business bank account with XXXX XXXX XXXX under my Business Name because it showing up in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Synovus Bank
State: AL

Complaint narrative:
My wife executed a mortgage and loan agreement with Synovus Bank in XXXX, Alabama on XXXX XXXX, XXXX. We had no problems with the local officers. 

However, subsequent to closing we have received contact from XXXX XXXX XXXX from the loan processing department in XXXX ( two emails to me ) and XXXX XXXX from XXXX XXXX XXXX XXXX ( one call to my wife today ). These emails and call state it is part of the post loan closing review. 

They keep asking about the house I included in my bankruptcy which my wife had absolutely nothing to do with. She was not on the note for that home. I provided them a copy of the note which clearly reflects this. 

Lastly, XXXX XXXX has bought the loan and they were my lender on the house included in the bankruptcy. I am continually being questioned about a loan that was included in bankruptcy and I think that violates the current credit law. 

The bottom line is that I would like for the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: U.S. BANCORP
State: MI

Complaint narrative:
Two purchases were made on my prepaid card without my knowledge or authorization ( in fact, I had never even used the card ) : Case # Merchant Date Amount XXXX XXXX # XXXX XXXX/XXXX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$6.00} After discovering two purchases were made on my prepaid card that I had never used, I contacted the card company by phone. They asked me to fax them information about the transactions, which I did, and in response asked for additional information, which I again faxed to them. 
Finally, they mailed me saying that " your notice of dispute was received beyond the time frame allowed. XXXX and XXXX require notification within 120 days of the date the charge posted to the account. '' Unfortunately, my initial phone call was 122 days after the date. However, the stipulation of contact within 120 days is never listed on Terms & Conditions of the card ( which may be found at XXXX XXXX  XXXX ). 

I think that a fair resolution would be for the XXXX XXXX XXXX XXXX to reimburse me for the funds that were stolen, especially in light of the facts that : 1 ) I never used the card or left the card in anyone else 's possession, so the theft was not due to my negligence but rather a weakness in the security of their system 2 ) The card agreement never mentions the 120-day period that they now claim applies.

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 monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Credit & Collection, Inc.
State: IL

Complaint narrative:
I am writing this complaint in regards to the {$1900.00} balance from XXXX XXXX that is trying to be collected by XXXX XXXX XXXX XXXX XXXX.At the time this lease was broken I was involved in a domestic abuse situation with my now ex-husband which resulted in me having to get myself and my Then XXXX XXXX XXXX XXXX out of the apartment and out of the situation.I have contacted the company on multiple occasions getting the run around.First they told me they would contact XXXX XXXX and inquire about a settlement but they never called me back.I contacted them yet again and they told me that XXXX XXXX stated that they would not settle the balance, so I contacted XXXX XXXX myself and they have a new owner and stated that it was not that they would not settle they just did not have the information any longer being that there was a new owner and the amount had already been sent to collection so there was nothing that they could do.Only in my own research of the Illinois State law and getting the constant run around did I find that there is specifically protection for victims of domestic violence under tenants rights in what is known as the safe homes act in the state of IL.This collection balance should have never been sent to the collection agency in the first place under this IL law.This is causing great distress on my now XXXX XXXX XXXX XXXX and I as it is hindering us from being able to establish residency in a new state as well as greatly negativly affecting my credit score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Creditor XXXX XXXX XXXX Account that was included in open Bankrupcty case was removed twice but keeps reappearing on Equifax. They refuse to remove permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I do not mean to be disrespectful to anyone nor avoid anyone but this Bank called again looking for XXXX. My dead dad is XXXX. I 'm XXXX and I have no dealings with this bank and since I receive numerous phishing scams etc. the gov themselves states do not give out any information via phone. I am upset as I continue to be called. You were advised on an earlier complaint and per their own words that upon notification they removed me from their list and I would not be called- Evidently opinion by experience this is par for collections or scammers. -I received a call on XXXX/XXXX/XXXX at XXXX XXXX  Tuesday XXXX XXXX XXXX XXXX XXXX It upsets me they continue. I do believe they can not call anyone but the debtor spouse or lawyer. I hope they refrain from continuing this action since evidently they did not respond truthfully to you on the first complaint!.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NOVA Financial & Investment Corporation
State: TX

Complaint narrative:
XXXX XXXX notified me that my mortgage would be increasing by approximately {$700.00} per month. They reported the cause for the increase was to correct a significant deficit in my escrow account. They reported my account was {$5000.00} short. They report my loan originator is to blame for this. I can not afford such a significant increase in my mortgage. I now own the house and have to pick up a second job to cover the increase escrow estimate for next years taxes and the {$5000.00} shortage. Had nova not recklessly miss calculated my monthly payment I would not have purchased this house because it is outside of my budget with the correct tax calculation. My second job will have me away from home during weeknights and one Saturday a month. Nova home loans needs to make this right and correct their error by helping me recover from this and pay the {$5000.00}.

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 monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and Education Ombudsmen it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the Ombudsmen involved to no avail. XXXX XXXX XXXX always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: Midwest Acceptance Corp.
State: TX

Complaint narrative:
Today XX/XX/2017 i received an alert through XXXX XXXX that XXXX XXXX made a hard inquiry on my credit. It reflects on all the three credit reporting agencies as there has been a drop of about 123 points in one of the scores. I wish to state that i did not authorize the inquiry and therefore its fraud. Their contact is XXXX XXXX XXXX XXXX XXXX missouri XXXX XXXX XXXX Kindly please investigate this urgently XXXX XXXX XXXX last four of ssn XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
In XXXX I was a victim of identity theft, where my deceased mother purchased an apartment with my name and initials. Then again, in XXXX in XXXX my social security and name was used to purchase another apartment without my consent. I reported police reports but the collection agency have not resolved this problem with my credit. 

Company 1 : XXXX XXXX XXXX XXXX 2 : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX, 2017 for a toxic property sold to me at XXXX XXXX XXXX XXXX, Arizona with arsenic, and that caused default. I received no response from them except one recent reply from transunion. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?

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 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX 2017 for a  toxic property sold to me at XXXX XXXX XXXX XXXX  Arizona with arsenic, and that caused default. I received no response from them except one recent reply from XXXX. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?

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 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX, 2017 for a  toxic property sold to me at XXXX XXXX XXXX XXXX  Arizona with arsenic, and that caused default. I received no response from them except one recent reply from XXXX. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time  wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and XXXX XXXX it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the XXXX involved to no avail. XXXX XXXX servicing always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and Education Ombudsmen it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the Ombudsmen involved to no avail. XXXX XXXX servicing always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
For the last 9 or 10 months of XXXX, I have not been able to log on the Site of Of Capitalone. They claimed It was XXXX that blocked the site. I reached XXXX and they told me they are not blocking the site. I also asked the best Computer Scientist @ our University and they couldnt see anything in the Setting. So No Access to site, No permanent phone and No statements I am in the dark. I have requested statement for all 3 accts and its been hap-hazard. Some times I get one or more but when I do its very late and the due date is days away. Recent attempts to pay by phone ( Public Phone ) have also failed due to the Phone Voice telling me the Credit card number I have entered is NOT recognized. Several attempts Like this end in failure for me.

Company response to consumer: Closed with explanation