vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This complaint is on the credit card practices of Kohl 's department store and the attempts made to report fraudulent activity. On XX/XX/XXXX, I received a notice from Kohl 's department stores ' fraud investigation team regarding an application using my social security number. I contacted the team immediately to report that I had not applied for credit and that the activity was fraudulent. They asked for me to provide personal details such as name, address, last 4 of SSN in order to open a case. I refused to provide that much detail and they suggested as an alternative course of action that i report the activity to the credit bureaus and establish a credit freeze. I ended the call and promptly contacted one of the credit bureaus to report fraudulent activity on my account. They provided a confirmation number and i received messages from all three bureaus noting the fraud alert was in place on XX/XX/. After this time i received an order of pants from Kohl 's and i contacted them again to report that this is fraud and they issued a return merchandise order. The order was picked up by XXXX around the XXXX. 

I just received a bill from Kohl 's with several hundred dollars in charges on this fraudulent acocunt. I called their fraud line again and tried to report this case as fraud, but they insisted on collecting all my personal information. I provided my name, address, and last 4 of the social security number and they insisted on having my email address as well before they would open a fraud ticket. I was very reluctant to provide this personal information in the first place and refused to provide the email address. I requested to speak with the service rep 's supervisor, but she refused to do so without me providing all my information, e.g. email address. I also asked for them to provide me with a mailing address to their president and they refused to provide this information. 

In this day of information security breaches, these company 's should not be asking for my personal information to load into their systems. I am trying to do them a favor and notify them this is a fraudulent account, but they won't take action or open an investigation and cancel the account so they don't incur any additional charges. It is unconscionable that they should be able to operate in this manner and i will take legal action against them if they damage my credit standing after the attempt i've made to remedy this situation. 

I specifically ask for the CFPB to take action against this company and other credit card vendors to establish rules around the information they are able to collect from honest consumers reporting fraudulent activity. The company 's should not be able to gather and retain this information only for their benefit and continue making arbitrary rules to collect even more information from victims of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I went to open an account online and was denied. I then went to the branch and they said Ive had multiple accounts with PNC of which Ive never had one, ever! 

The branch manager gave me a non working number with a XXXX area code to the executive team. 

Ive been a victim of indentity theft before but I have no information about PNC accounts and branches are less than helpful. 

I would like to Open the PNC Virtual Wallet performance account that I should be entitled to as a new client.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: MI

Complaint narrative:
I tryed to dispute these accounts back in XXXX XXXX XXXX, XXXX, and XXXX XXXX with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from Experian showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX account.

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 2018-02-11 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 tryed to dispute these accounts back in XXXX XXXX XXXX, XXXX, and XXXX XXXX with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from XXXX  showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX account.

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 2018-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I reached out to these companies back in XXXX I disputed XXXX XXXX, XXXX and XXXX XXXX. I asked the companies to send me an original signed contract with my signature and they sent me these documents. I had XXXX XXXX deleted that was reporting XXXX but XXXX is still being reported. I reached out to XXXX  here and s a phone number for them XXXX Also there is a document from XXXX XXXX  that I attached I reached out to them as well and XXXX XXXX XXXX are reporting this account with no original signed contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
An automatic monthly transfer from checking to savings caused my daughters checking account to od. Instead of cancelling the transaction, the bank put it through and charged a {$12.00} fee. Both accounts are with B of A, the transfered money thus never left B of A control. This fee is to high to just cover some transaction cost.

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 2018-02-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD

Complaint narrative:
After reviewing my credit, I noticed a collection item listed on XXXX. This item was listed by I.Q. International ; 2 amounts were listed the original debt {$190.00} and another amount {$290.00}. I called I.Q. international XX/XX/18 to inquire on what the item was the Customer service agent said I owed {$310.00}, I then asked why the difference she said interest accrues daily and if I didn't pay {$310.00} the amount would be more. She also stated that I signed a contract with XXXX the rental bond company, and the documents I signed states that fees would be incurred if debt wasn't paid. I refused to pay the amount and ended the call. 
I then called XXXX inquiring on the debt, which they claimed was unpaid utilities. This does not make sense since the property rented was in XXXX XXXX FL and utilities were in my name, or billed through the monthly payment. According to the original creditor XXXX this item was for utilities after I moved out of the property. 
XXXX customer service did let me know that I did not sign any documents which claimed fees over and beyond my debt would be collected. 
My complaint is that I.Q. Data international is billing additional fees over and beyond a debt I owe. Agents are making false statements in regards to documents I signed. Agent also stated FL law states that the company can collect fees in addition to what I owe. 
I.Q. Data international XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was a victim of Hurrican Irma in XX/XX/XXXX..I called Chase and they advised that they had a defferred payment plan for customers affected by the Hurricane Irma I enrolled both my Chase credit cards in the program. I was told i would be mailed out written verfication of the program and the specifics and payment due dates. I never received and confirmation of the plan terms or new due dates of payment. 
I believed i was enrolled into the Irma defferred relief program until XX/XX/ i believed. Around XX/XX/XXXX I called up to make payments and they said my account was closed and they would not open even if i made payments that i was charged late fees and that they had reported me to the credit bureau for being over 90 days late.They said that the program was for 30 days not 90 like that i was lead to believe. Further i never got any communication that i was in the deferred program or the dates the program began or ended or when the payments were due.I reuested the program because i was without income for 45 days. Now i have been slammed by Hurrican Irma again by Chase Bank. I told Chase i would make payments and bring my account current but they still would not reopen my account. Chase is more interested in destroying my credit than helping to resolve the matter.. I request numerous times to have a call back from management to help resolve the situation but never received a call back from anyone in Chase authorized to correct the situation. 
ironically i have two credit cards with Chase i called Chase on the other credit card and was allowed to make payments and my account was reopened. Why the double standard. 
Chase should of sent me notice of when the program began and when it ended and when my payment was due. i never received any written communication and i was advised by chase when i enterred program that i would receive confirmation. i thought and believed that my payment was deferred until XX/XX/XXXX as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit.

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 2018-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Emergency XXXX of us in danger. 
# Current lender is not related in those problem.But owning home through people are taken benefits through us. 
My family own home which is in XXXX and XXXX of us in US are kind of like hostages on both side. My husband is only person of responsible for our mortgage payment. Evil Main diagram is if he lose job or lack of mortgage payment, divorce, medical problem or anything else may trouble of both of property in US and XXXX. Legally or illegally people attached both of us will benefit to draw out automatically if their system is fail. 
In XXXX, property has being holding by authority since XXXX. It is holding 9 years by now. In USA, I got a letter from XXXX XXXX that foreign asset controlled property under my husband name. Please contact me if FTC need further more info. People have taken accomplished their education, some of the people are getting job or already working using me. Those people distress me, ruined my name in XXXX and US. Those all problem come from hate people who was created their cell phone was stolen by me since XXXX. Their group of people mortgage lenders and associate agencies are still actively created this evil things done. They helped people and supported who need edu, immigration status got through from bridges of our both house. Even sec8 and 2 b room housing program were taken without my consent.Then both of us can be eliminated. Please help us. They made all agencies to participate that their clients need got through from us. Save us our lives. May be immidiately filing law suit. There would be safe of us both of us live in two countries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: ERC
State: TX

Complaint narrative:
This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit. 

I never had a big bill like that one they are misleading people with please remove asap. Cease and desist immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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:
This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit. 

I never had a big bill like that one they are misleading people with please remove asap. Cease and desist immediately

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 2018-02-11 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: OH

Complaint narrative:
I had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This happen during hurricane Harvey. I was given a 3 months grace period of not paying my house payments? Now, Wells Fargo wants all of the 3 months grace money from harvey now? I wanted to add my payment to the end of my existing loan.. During the Hurricane Wells Fargo told me that .I could add too my existing loan?

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 2018-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
APPRECIATED SENORS INVESTIGATORS CFPB AND CEO SIR DIRECTOR FEDERAL AGENCY DEFENDERS OF THE CONSUMER. 

FORGIVE, UNDERSTAND UDS ADDRESS THIS MAN IF HE HAVE PROBLEMS, BUT IT IS NOT THAT APPRECIATED SENORS THIS COULD BE RETALIATION OR FRAUD. 

I WAS APPROVED BY XXXX CREDIT CARD AND I HAVE COME PAYING ANTICIPATELY FROM XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX AND XXXX AND XX/XX/XXXX A CREDIT FOR {$150.00} DOLLARS AND FROM THE ABOVE MONTHS MENTIONED, I HAVE COME PAYING {$50.00}, {$47.00} {$38.00} {$44.00} {$60.00} {$50.00} {$47.00} {$50.00} XX/XX/XXXX AND I STILL HAD THEM AND I HAVE CHARGED FEE UNNECESSARY AND A DISORDER IN THE PAYMENTS MY STATEMENT HAS TWO CYCLES OF PAYMENTS ONE ON THE XXXX OF EACH MONTH AND THE XXXX OF THE SAME MONTH THERE IS A DISORDER WITH MY BILL OR IT IS I HAVE TO PAY IN 1 MONTH 2 TIMES EACH MONTH AND CREDIT LINE .... IT DOES NOT KEEP ALWAYS LOW WITH FEE OF {$35.00} THEN GO UP WITH PAYMENTS, AFTER LOWER WITH OTHER FEE, IN CONCLUSION XXXX WAKE UP WITH MY XXXX  COUNT

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 2018-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I applied online for a loan to pay credit cards, at first they gave me details of the loan ( 19 % interest ) and explained that those terms are subject to credit report. After submitting the necessary documents they approved me for the loan with an interest lower ( 16 % interest ) than the original because of my credit but the payment still the same. I called them and they just tried to confuse me with numbers and they said they cant do anything. I asked to the Rep if my credit was worse the payment still be the same and he said no, so why the payment didnt get lower? 
I believe they dont follow the contracts or at least give info that they get part of the loan for the service provided Docs signed from Bank ( 16 % ) are different interests from their estimate ( 19 % )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC System is trying to collect on an account that has been paid directly to the creditor ( XXXX ). I have no business dealings with this collection company. I had never received any correspondence with IC System until I started disputing their claim and received a letter after my attempt to dispute with the Bureau 's. I have not given a company above written consent to contact connection with the collection of any debt. I have no known relationship with the company I. C System in regards to a XXXX account. They are trying collect on a debt not owed to them whatsoever.

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 2018-02-11 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My account was frozen by the creditor and a statement of {$89.00} was still post on XX/XX/2017. I made several calls since then and talked to multiple account managers. The final decision was my account would be handed over to another department for review and close down. The creditor kept reporting delinquent account to XXXX   and XXXX  during that period. I couldn't access my account since it was frozen. There's nothing I can do with my account. It is extremely unfair to do this to 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 monetary relief