vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 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: CA

Complaint narrative:
My problem is one I can't find the answer for anywhere. I have excellent credit and until recently have had no issues when applying for credit. In the past two weeks, I have had two separate creditors tell me that my credit report is frozen and that I must unfreeze it for them to process their application. One was XXXX, with whom I have an existing credit card account that will show me my credit score ( in the 800s ) at any time, but the agent said she couldn't access that. I spent hours on the phone going back and forth between XXXX and Experian ( which is where they were trying to access the report ), and finally had a conference call with agents from each company. Experian told the XXXX rep that there is no freeze or lock, and the XXXX rep insisted there was. Experian gave XXXX a number to call to a different department, which the XXXX rep says she had tried before and got an automated response. She at this point refused to try any more and kept telling me I had to get Experian to unlock my reports, and that there was nothing more she could do to help. Based on the insistence of the Experian agents, I assumed there was a problem at XXXX and gave up. Tonight I had a different creditor, XXXX, tell me the same thing online : they can't process my application until I unfreeze my account. I have checked with Experian, XXXX, XXXX, and they all say my credit reports are not frozen, locked, and none have a security alert, that everything looks fine. But with 2 creditors telling me I'm frozen, where do I go for help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I deposit a cashier check from XXXX XXXX XXXX XXXX for {$1000.00} on XX/XX/19 at U.S. Bank location at the XXXX XXXX XXXX XXXX XXXX, Mo XXXX. On XX/XX/2019 check online banking stated funds are completed but not transfer into my checking account unable to pay my mortgage for my XXXX payment unacceptable and Im not trying to pay extra interest per day and my mortgage payment is still past due because funds are not deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
In XX/XX/XXXX I closed Discover credit card ending in XXXX because they approved a payment to a company that used an old discover card number that I did no longer wished to do business with. 
I had told Discover to close that old credit card and make sure no one gets paid form that old credit card number. 
I trusted Discover, but they ignored my request, and went ahead and paid the vendor who I did not wish to continue having involvement with. 
It is because of that, that I refuse to do business with discover. 

In XX/XX/XXXX, Discover had an overpayment of {$260.00} from me. I asked them to refund me, and whatever payments they ahd that were outstanding, that the vendors and I will have to sort that out. Today, at XXXX : XXXX XXXX XX/XX/XXXX, I called DIscover asking why they had not refunded me {$260.00} that was overpaid. They said that since I " CLOSED '' the account, they honored a {$25.00} dispute I had with XXXX XXXX 's because they " DETERMINED THE CHARGE WAS OK> Please have discoer shoW me the signed payment, for if it is not signed, I refuse to honor it, AND THEY must refund me. 

If one changes the credit card number so that vendors do not continue accessing one 's credit card, it is my decision if I want to pay such a vendor or not. If I wish to pay the vendor, I will give them my new credit card number to continue the relationship. I deliberately " lost '' the credit card in order to assure that the vendor will not pay a vendor one does not wish to. It is not Discover 's authority to use my . This is why they must be denounced for illegal business practices. 

They said that they also honored a {$95.00} payment for XXXX. That is also wrong because I have a new arrangement with XXXX, so why did they pay when I told them to close my account? 
SO, I denounce discover for theft, and they owe me {$260.00}. 
Until I get that $ refunded, I keep my claim of theft against Discover for stealing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
In XX/XX/2019 I recieved a notice for the possibility of streamlining my current FHA loan to save money on a monthly basis from Village Capital. I called to inquire and the representative took some basic information and informed me that she would not be able to answer all my specific questions but that a mortgage specialist by the name of XXXX would be contacting me. A day later when XXXX contacted me, I inquired about my concerns and legitimacy of the streamline program and made it expressly clear that I would do research and get back to him if I was even interested in pursuing said streamline loan. After research, I found red flags and of course did NOT want to use their company nor did I ever call back to give any form of " go ahead '' or confirmation that I wanted the process to begin. My omission to call back was clearly not acceptable and I can only assume that after several unanswered calls, XXXX took it upon himself to pull pay off information from my current lender and process my loan. I did not authorize anything. When I recieved closing documents I became very alarmed and called both XXXX and the additional contact numbers that were given in the packet of documents. Nobody answered and I left a very detailed message explaining I NEVER gave permission for even my information to be inquired upon, let alone documents prepared for signing. I even warned them that it was an invasion of consumer privacy and that I would be reporting such information if they did not stop the process immediately. Low and behold yesterday, XX/XX/2019 I got a voicemail from a notary confirming my appointment, at my home, for closing! I was unbelievably upset that Village Capital could even begin to go as far without any acknowledgement to even request for payoff amounts, let alone proceed to closing when I provided them with NO information needed to proceed with any legitimate lending. I immediately cancelled that appointment and explained to the second party notary of said fraudulent company. I feel my privacy is extremely violated and my current and legitimate loan with XXXX XXXX could somehow be in jeopardy of being transferred. I have signed nothing, consented to nothing, and want nothing but for Village Capital and Investment to erase all information they have on me as if I never even called them to inquire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: CT

Complaint narrative:
XXXX  and XXXX has not comply with the FCRP law, I have sent validation letters to prove the accuracies of my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  I have no known acknowledgement and accounts have been sold to a third party so I want documentation on how much they sold the account for and yet to respond. After 30 days of no validation accounts should be removed. I have a fraud alert and credit monitoring and I have not been spotting for credit and I have so many inquires that I didnt request that I will like removed. This is so frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I have been an HSBC Premier customer with both banking and credit products for approximately 4 months. From the beginning, HSBC has had on file both my residence address and a separate mailing address. The mailing address is also considered my credit card billing address. 

My mailing address as given to HSBC for all of my deposit and credit accounts is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX In my deposit accounts at HSBC, they have my mailing address correct and there are no problems. However, in my two credit accounts, HSBC negligently and carelessly lists my mailing address as : XXXX XXXX XXXX For some reason, their staff is not only incompetent, but also illiterate whereas they remove all vowels. 

I have corrected this address online at least six different times. After each correction, two days later they revert the correct address back to the illiterate version. I have phoned HSBC and spoke with their dedicated address change team and explained this issue and they corrected the issue on at least 5 different occasions. Again, two days later the illiterate version of my address reappears. 

This is causing me serious problems. HSBC has caused the incorrect and undecipherable version of my address to pollute all four of the major credit bureau files in addition to XXXX. In addition, this intentional and negligent pollution of of my credit bureau files has caused me to be denied two times for credit. Creditors decline my applications because, they state, " Unable to verify my identity ''. When I call these creditors to ask for an explanation, they state that the address I give on my application does not match the address on my credit bureau files. 

In addition, HSBC 's willful, negligent and incompetent conduct has caused me to have online purchases denied when the seller uses the Address Verification Service provided by the major card association. 

I have provided two attachments. One shows how I correct the HSBC address error. The second shows how the error reoccurs within two days of a successful correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: CT

Complaint narrative:
XXXX  and XXXX  has not comply with the FCRP law, I have sent validation letters to prove the accuracies of my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX  I have no known acknowledgement and accounts have been sold to a third party so I want documentation on how much they sold the account for and yet to respond. After 30 days of no validation accounts should be removed. I have a fraud alert and credit monitoring and I have not been spotting for credit and I have so many inquires that I didnt request that I will like removed. This is so frustrated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: CT

Complaint narrative:
XXXX  and XXXX has not comply with the FCRP law, I have sent validation letters to prove the accuracies of my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX  I have no known acknowledgement and accounts have been sold to a third party so I want documentation on how much they sold the account for and yet to respond. After 30 days of no validation accounts should be removed. I have a fraud alert and credit monitoring and I have not been spotting for credit and I have so many inquires that I didnt request that I will like removed. This is so frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have the same name as my father. There are inquiries not mine as well as accounts/tradelines that are there when I was XXXX years old. 

Sometimes items from him get onto my report. I also have had my computer/phone hacked before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have the same name as my father. There are inquiries not mine as well as accounts/tradelines that are there when I was XXXX years old. 

Sometimes items from him get onto my report. I also have had my computer/phone hacked before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have the same name as my father. There are inquiries not mine as well as accounts/tradelines that are there when I was XXXX years old. 

Sometimes items from him get onto my report. I also have had my computer/phone hacked before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and XXXX  showing I was late on 3 payment totaling 120 days from the Office Of The Attorney General of Texas XXXX  XXXX Division which is inaccurate as I have never been late. I had my my phone interview about my case worker I sign the paperwork and they sent a notice to my employer to garnish my wages and the company complied. So I never had anything to do with sending payments as it came directly out of my check so I have been late. I have mail in a dispute letter to both Equifax and XXXX   with no reply on XX/XX/2019 and have yet to receive any correspondence back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  and Transunion showing I was late on 3 payment totaling 120 days from the Office Of The Attorney General of Texas XXXX XXXX Division which is inaccurate as I have never been late. I had my my phone interview about my case worker I sign the paperwork and they sent a notice to my employer to garnish my wages and the company complied. So I never had anything to do with sending payments as it came directly out of my check so I have been late. I have mail in a dispute letter to both XXXX  and Transunion with no reply on XX/XX/2019 and have yet to receive any correspondence back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
the lease document is legitimate. the other document pdf which shows the breakdown of the amounts seems to be a document created just for this purpose. this case went to court. the court documents will show the LEGITIMATE AMOUNTS and final resolution to the matter. that document seems to be manufactured to fit this ridiculous amount. also as you can see, i moved out 2 days at the end of my lease which started on XX/XX/XXXX to XX/XX/XXXX. the document provided appears to be altered as i did not sign a 12month 20day lease. i signed a 12 month ONLY lease. since when have you ever seen a 12 month 20 day lease. that document is altered. i gave the office a verbal and written 30 day notice after they released and violated my privacy by talking to a third party of whom i was looking to add onto my lease without my permission. basically i was looking for a roommate. the property manager harassed my potential roommate and asked if i was even living there. The property manager then told the roommate i was looking into getting personal information on my file without my permission violating my privacy. i then issued the apartment a verbal and written 30 day notice for doing this. i told them that i would move out by the end of my lease period. we went to court and a judge adjudicated the entire case. *they have not provided any court documents that show the amounts. *they have not provided any pictures to show any damage. i took pictures of the entire apartment and i am willing to upload them. the cleaning fee also seems to be a later addition or part of the altered paperwork. * the second document to show the breakdown is not a legal document. it is not even signed, stamped or dated. there is no proof it was ever delivered. it was never presented to court. how can a case be closed on a seemingly photoshopped document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted Equfax 9 times to solve a credit reporting error with XXXX XXXX XXXX XXXX reporting false, misleading and fraud information. Once again I am requesting method of Verification that I have the right under the FCRA. I have yet to receive any proof that an investigation took place or that a loan exist in the amount of {$19.00}, XXXX that is being reported on all 3 credit bureaus. XXXX  XXXX admitted guilt by stating the alleged loan as charged off- paid in full. Equifax wants me to do their job of investigating the method of Verification used by XXXX XXXX XXXX  XXXX.it is equifax job to abide by my request for method of verification. Please ask for a copy of my credit report dated XXXX. Report confirmation number # XXXX will show the proof as well. I have my copy and download of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I attempted to close my wells fargo account but Wells Fargo refused to close it. Ive been trying to close this account over a month. Wells Fargo also opened up accounts in my name without my consent. WF is opening up fraudulent accounts under my name. I called in over 100 times to fix this problem but its still happening. And WF stole money out of my account over 50 times and they never payed it back. I also asked WF not to contact me again and they keep contacting me over and over again!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a XXXX credit card and filed for bankruptcy. My credit card was in the name of XXXX XXXX. I have filed a dispute through Experian and sent 2 letters to XXXX but my Experian credit report is still showing this account as a collection instead of discharged through bankruptcy. My bankruptcy was discharged in XX/XX/2018 and I am unable to have this reported correctly. I dont know what else I can do. 

I have the same issue with XXXX XXXX my name on the account was also XXXX XXXX I have since been divorced & my name has changed to XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I seldom use this amazon credit card. It is registered in amazon so I don't have to look for the card, it is all entered in the portal. Last week I needed to ask about the details of the card, and I was told the card was reported lost or stolen. I TOLD THEM< IMPOSSIBLE because I had the cared in my hand and never reported it lost etc. I told them to fix the problem at XXXX XXXX XX/XX/2019 i needed to know how much my payment was due, and they told me the card was lost!! I spoke to supervisor XXXX XXXX flor manager from Chase in XXXX who told me the card was reported lost or stolen. I asked him to let me listen to me reporting it lost, stolen etc, or to show me an e mail, written note or voice recording advising of it being lost. He had no proof of it. The bank has made a mistake and closed it without my knowledge. I told him I need the card to pay something at XXXX XXXX today. That I am-OK to go to the bank to pick up a temporary card to make this payment. He said there is nothing he can do but I must wait 2 days or so to get a new card. That is not ok because I HAVE the CARD< and I already told them last week not to close the account. NOw I have no way to make a purchase although I have the card in my hand. 
The bank must show e proof ( verbal recording or written ) that I reported the card lost/stolen. WHO IS GOING TO HELP ME PAY FOR THE PURCHSe I HAVVE to MAKE AT XXXX XXXX TODAY? This is irresponsible banking. I can't wait 2 days for the card to arrive.

Company response to consumer: Closed with explanation