vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
XX/XX/XXXX charges were made to a new credit card account number ending in XXXX that was generated by USAA Credit Card Banking Services without authorization request or knowledge of this new card or account. This card was then activated and used by the person whose name it was issued to and accumulated charges all on date referenced above in the amount of {$2000.00}. Additionally, charges were not declined when the credit limit was exceeded by almost this entire amount. This was brought to my attention by a fraud alert message on my phone the day of transactions to which I responded. All the charges were removed initially and pending investigation resulting in One of the charges removed from my account as unauthorized however, the others remain on my account which holds a different account number and has held this number for many years. I have sent three letters to USAA Credit Svcs. and have received no response addressing the specific issues stated in the letters ; XX/XX/XXXX and XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Back in XXXX Citimortage did not give me any options when I was having problems paying my mortgage. I even inquired about a deed in lieu. I made countless calls and stayed in communication but I ended up getting foreclosed on. I just found out that based on CPA of XXXX and the CFPB mortgage disclosure rules od XXXX, that they should have tried to help me. What are my options 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 2019-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: FL

Complaint narrative:
I was contacted on XX/XX/2019 by Medical Business Bureau ( MBB ) about two medical bills. I had previously contacted the creditors when I received their bill and informed them that my insurance company was still processing their claim. I was about to board a flight to my country as I am a XXXX  XXXX in the USA. I  explained to the agent that my insurance company and processed one account and the other was still being processed by them. I requested that MBB contact XXXX XXXX XXXX XXXX to get an update on my file. I explained that I was leaving the country and that I would contact them upon my return. The agent told me they would make a note on my account. When I returned on the evening of XX/XX/XXXX, I found a collection notice dated XX/XX/2019. On XX/XX/XXXX when I returned to the USA, I called the collecting agency and told them that one bill was paid on XX/XX/2019 and the other was still being processed based on the Explanation of Benefits ( EOB ) from my insurance company. The agent told me that I needed to mail the EOB 's to them and that if the debt was not settled by XX/XX/XXXX it would be reported ro the credit bureau. I asked how can you be putting a collection on my credit report when my insurance company has not completed processing the claim and they are responsible for paying the bill? I requested an email address to send the EOB to but was told it had to be mailed in, they do not use email. I mailed the EOB 's of the paid claim and the one that showed pending to them on XX/XX/2019. On XX/XX/2019 I called MBB again informing them that the second claim was now processed ( XX/XX/2019 ). I told them I was mailing the EOB to them. Last night ( XX/XX/2019 ) I checked my credit via XXXX XXXX and see both bills being reported as collections!!. I disputed both collections recorded with XXXX and provided the EOB for both bills showing that the insurance company paid both bills. This morning ( XX/XX/2019 ) I called MBB to ask about it and was told that they only have the EOB showing the bill that was paid and the one showing that the other bill was pending. I told them that the completed EOB for the next claim was mailed to them over two weeks ago. They have not even contacted XXXX XXXX   XXXX XXXX to update my account. Even though they confirm that they received the first EOB showing one payment, they still reported it as a non-payment to the credit bureau. When I asked about this, the agent told me he would remove that one!! Isn't this dishonest? I told him that I sent both EOB 's confirming that the insurance company paid and that I wanted both removed or I would contact a lawyer. Medical Business Bureau should not be reporting collections to the credit bureau without the correct information!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
An unknown number called me today XX/XX/2019 at XXXX and left a message to call them back at ( XXXX ) XXXX. After calling the number the guy on the other line stated that he was an attorney and I was going to be sued and served papers to my home and or workplace on a specific date if I did not pay in full. He asked if I was trying to commit fraud and had all of my information without my permission. I have contacted the company to dispute the information and feel that I am being pressured to pay when I do not have the funds. They are trying to get a third party debt collector involved by saying they are attorneys when they really arent. Threats coming to my home and workplace is very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I filed a claim for an unauthorized charge in XX/XX/2019. The company never followed up concerning the investigation. I paid the entire balance of the card off with the exception of the disputed charge of {$210.00}. I have received notices from syncrony bank stating that I am not liable for the charge during the period of the investigation yet I continue to receive monthly statements that I am paying. When I brought this issue to the banks attention they told me to ignore the monthly statements. The bank can not continue to charge me for this disputed amount and I can not ignore a statement, it will ruin my credit.

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 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Hi, I contact you because I need your help, My Bank took from our account the amount of XXXX dollars for an alleged fraud ; On XX/XX/ 2017 a check was deposited in our account from the same entity for this amount for a job I do, the money remained for about 15 days in my account until I need it, now after almost two years the bank withdraws from my funds this amount saying that the check had a report of theft and that it was badly endorsed, this before being deposited, it is assumed and I already made them notice, that they should not have taken this check first for the report it already had, second because the endorsement did not belong the check of themselves and third party without having asked to identify the person who deposited it, now they want to make me guilty and they tell me that they do not know why they did it but that the bank has every right, it is not fair to me, it's a lot a money to lose it so I come to you to help me with this injustice, my family and I are desperate. 

Thank you very much for your attention and help, I await your response.

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 2019-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: TN

Complaint narrative:
I have found myself having a hard time making the {$340.00} payment each month. I reached out to Amplify to ask for a payment reduction and they said all they offer is a one time skip a payment or an extention which is also a one time thing. They are charge an excessive interest rate of 535.34 %. I am on a fixed income and this is causing me great stress. I have made 4 payments for the above amount. I have 8 more payments to make and when it's all done I will have paid {$4100.00} for a {$1000.00} loan. Is this even legal? If they would work with me to get a lower payment I can pay this loan off. But they seem to be unwilling to offer any solution. If this is an illegal loan I don't believe I should have to give them anymore money considering I have already paid {$1300.00}. I also asked about a payoff amount and the quoted {$1600.00} is what it would take to payoff this loan. That means I'm still going to pay over {$3000.00} on a {$1000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I paid American Express a total of {$1700.00} in Membership fees this card member year. Due to an unwarranted account closure I am not receiving the spending ability and the associated benefits that I have paid for. American Express stated " We are unable to credit the Annual Membership Fees In the last year, the Cards that were billed Annual Fees are listed below. These accounts are ineligible for an Annual Membership fee credit '' I am unsure what this is supposed to mean, it is akin to saying " We are unable to return your money that you have given to us in return for goods, though we have never supplied the goods as promised '' Annual Membership Fees are charged to the consumer so that the consumer is a able to take advantage of the perks and other related benefits of that credit card, not so that the bank can take the consumers money and not provide the benefits of that card. American Express states " In your complaint you referred to the annual fees you had previously paid on your accounts and that you would like them to be refunded. Per the terms of the Cardmember agreement ( CMA ) that you agreed to when you used signed or kept the cards, the annual fee may be refunded if you voluntarily cancelled your accounts within the billing period the annual fee was billed. Since the accounts were not voluntarily cancelled by you no refunds are due for the annual fees previously paid ''. Practically speaking American Express is stating they can decide to shut down any consumers account after the consumer has paid the annual fee without recourse. To me that sounds illegal and unethical ; to be able to shut down a consumers account at whim after charging the annual fee without having and or proving a valid reason for the shutdown. Especially in my case, where the reason for shutting down my American Express account has been proven false and unfounded. I hope that the CFPB can take the necessary action against American Express for the unwarranted closure of my accounts and for falsifying information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 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: NY

Complaint narrative:
I have an issue with the way Experian is handling my investigation requests..I disputed the accounts I noticed that had inconsistant and inaccurate information about me on my credit. I wrrote to Experian over 7 times and they have NOT performed the investigations at all .. The other 2 bureaus DELETED the accounts listed and wrote me. Some of the companies I disputed wrote me too. I pulled a new credit report from Experian and they are the ONLY company still reporting the information on my credit. HOW? I know they have ignored my requests which is a direct FCRA violation and this manipulation of my score is causing damage and harm. I am incurring postage fees and spending money I dont have to make Experian comply. I am writing CFPB for help with this issue and a record of them receiving my complaint before I have an attorney review this case. I do not think this is right and I will find out if Experian is targeting 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 non-monetary relief
Consumer complaint received 2019-09-26 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: NV

Complaint narrative:
BK and a few accounts are on my report that's not mine.

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 2019-09-26 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:
Mailed in a lengthy thorough dispute that went ignored by Transunion, I also upload the same information using their uploading system. Since the law requires them to respond to muy claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft. Every time I called on the phone a representative located in another country could not locate what I mailed in.

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 2019-09-26 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-09-26 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: NV

Complaint narrative:
BK and a few accounts are on my report that's not mine.

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 2019-09-26 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: NV

Complaint narrative:
BK and a few accounts are on my report that's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I opened a credit card account with Capital One and they sold it to another company by the name of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX never contacted me and never sent me a certified letter saying that they were going to take me to court. They went to court, where I was not notified again, and sent out a judgement against me to garnish 25 % of my check each pay period for the amount of XXXX. On XX/XX/2019 I tried to resolve it with Capital One and XXXX XXXX XXXX and was told, by XXXX XXXX of XXXX XXXX, that my only two options were that I had to either pay it all in full or they were still going to garnish my checks. I feel like we could have came to an agreement of how I was going to pay off this balance only if someone would have contacted me. 

XXXX XXXX- ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is once again doing illegal things. I have sent them two certified letters with DL, social security card and two utility bills and i have requested that they remove an illegal security freeze that they fraudulently put on my credit report and they are refusing to remove it. I did not request it be put on these guys just did it to hurt me and to get me denied credit. also XXXX and XXXX are also doing the same thing. Putting illegal security freeezes in my file and not reporting removing it. These jerks are just playing with my credit file and they need to be investigated.

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 2019-09-26 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-09-26 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
House hold bank opened in 2011 false charges been over 7 years they keep electing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: MI

Complaint narrative:
On multiple occasions I have sent the attached letter to Transunion stating " According to the FCRA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see VERFIABLE PROOF ( an ORIGINAL CONTRACT WITH MY SIGNATURE ON IT ) you have on file of the accounts listed below. Your FAILURE to POSITIVELY VERIFY these accounts must be removed and if you are unable to provide me a copy of VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. '' The accounts I am addressing WITH PROOF of letters from the companies are XXXX XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX. I have separated and reported separately the XXXX XXXX ACCOUNTS with legal documentation. 

You will see there is NO PROOF OF A CONTRACT, NO PROOF OF MY SIGNATURE, ACCOUNTS TAKEN OUT NOT USING MY FULL NAME AS I USE WHEN APPLYING FOR LINES OF CREDIT, NO PHONE RECORDING OF ME ASKING FOR A LINE OF CREDIT, NO VIDEO SURVEILANCE OF ME APPLYING ONLINE FOR A LINE OF CREDIT. 

How then, with this proof, is TRANSUNION VERIFYING 100 % that these are indeed my accounts. THEY CAN NOT and the proof is attached. Statements, payments made by someone, goods received by someone, does not constitute legally that these are my accounts. 

PLEASE SEE DATES ON LETTERS : XXXX  XXXX XX/XX/2018, XXXX   XX/XX/2018, XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX XXXX XX/XX/2018 XX/XX/2018

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 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX is once again doing illegal things. I have sent them two certified letters with DL, social security card and two utility bills and i have requested that they remove an illegal security freeze that they fraudulently put on my credit report and they are refusing to remove it. I did not request it be put on these guys just did it to hurt me and to get me denied credit. also XXXX and Transunion are also doing the same thing. Putting illegal security freeezes in my file and not reporting removing it. These jerks are just playing with my credit file and they need to be investigated.

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