vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX I have disputed items on my credit report with transunion and XXXX. XXXX and Transunion are great companies this is the first time I have had issues with my credit report involving removing items. XXXX  and Transunion are displaying incorrect information. There are also duplicate accounts on credit report when I only have one account. All accounts are closed because I filed Chapter XXXX. Some accounts were removed and then they reappear and then they remove them and then they reappear. Accounts that are closed are still open and showing that I missed a payment. I have asked that these accounts all be removed. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE DEBTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2019-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capitol one, restricted use of my secured line credit card without any reason or prior notice, after calling in and advising them that the card was not working they then said they were unable to provide me any information and transferred me to Fraud, after trying to get proof of the reasoning behind the restriction. 

I even advised that they are violating my rights according to FCRA. 

A consumer has a right to obtain all of the information in their own file. Consumers have a right to contest inaccurate information. 

I then advised them that I can verify every single transaction made and why was the card restricted they were unable to answer the question. I have spoken to almost 10 supervisors and who have provided me 1 simple reason and now my credit score is being affected due to them failing to accept payments and or mail me an updated statement as requested to completely close the secured lines they refuse and will not send me a bill but theres {$250.00} remaining on my credit report. This is unfair reporting allow me the opportunity to resolve my debt and cease all communication and update my report is all I asked or I will seek damages and reimbursement of all legal fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
When I received myXX/XX/2019 statement, the due date for my next payment was delineated as XX/XX/2019. I paid the minimum balance of {$65.00} on XX/XX/2019. This payment is evidenced on my XX/XX/2019 Best Buy Credit Services statement. Strangely, Best Buy Credit Services imposed a {$27.00} late fee on my XX/XX/2019 statement. I did message Best Buy Credit Services on XX/XX/2019 to ask that my {$65.00} payment be appropriately applied to a specific promotional balance so as to avoid excess fees. On XX/XX/2019, the customer service representative messaged me back and stated that Best Buy Credit Services made the adjustment as requested. Without explanation, Best Buy Credit Services appears to have printed three ( 3 ) transactions taking place on XX/XX/2019 instead of the one ( 1 ) for my " online payment '' from my checking account. I checked with my bank and Best Buy Credit Services never returned the {$65.00} to my checking account, therefore the payment was paid by me to Best Buy Credit Services on-time and a late fee of {$27.00} should not have been imposed. I called Best Buy Credit Services on XX/XX/2019 and after a review by the customer service representative, I was told that it was Best Buy Credit Services ' mistake and that it would be taken care of. When I called today ( XX/XX/19 ), I was told that my account was sent to the internal collection 's department. The disputed {$27.00} late fee continues to appear on my account.I am concerned that I may lose the benefit of all my promotional purchases due to Best Buy Credit Services ' error as the promotions require timely payment. In addition, I fear Best Buy Credit Services may report my account more than 30 days overdue to the three ( 3 ) credit reporting agencies.

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 2019-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
This company refunded the {$370.00} and then waited 5 days and then added it back on I have paid ahead to my XXXX payments but they are stealing money as I said there are not late fees the late fees were part of the original payment arrangements with the original lender not Mr. Cooper. This company is sneaking and lying. Here is a full list of the transactions were they have lied about not charging late fees and then charged them where they credited back this false charge and then re-issued it. I find it ridiculous and I wish companies were not allowed to sell mortgages without consumer agreement. This is a terrible company to deal with. I demand full refund of the stolen funds. They have stolen the money and I want it all out back on my account. I would never ever choose to do business with such a fraudulent entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
In XX/XX/2017 swiss company checked my credit report without my knowledge or authorization. They have an account listed on my credit file and I have asked them to validate the debt that is being reported in which they have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a Best Buy card back in XXXX. Upon application I was assured that there were no additional fees or payments to be made other than interest charges. Best Buy somehow signed me up for a protection plan through a company called XXXX that now partners with Citi Bank. I never knowingly opted for any debt protection plan nor would I have wanted to. I DID NOT agree to anything of the sort verbally or otherwise. Any proof that may be procured that may prove otherwise was obtained fraudulently. 

So now, for the last 8 plus years I have unknowingly been paying for this program and the charges total to over three thousand dollars. In addition, these charges are not clearly stated. They were labeled as " Regular. '' I hadn't noticed this until the representative I spoke with on the phone pointed it out to me. Even if I had noticed it before, I would have assumed it was an interest charge. 

The XXXX agent I spoke with on XX/XX/XXXX put in a request for a refund of the charges and proof of agreement. He then said I would hear from them within a month. However, after doing some research through related public forums, I found out that I am not the only customer who has been mislead and affected by these charges I can only describe as fraudulent. Apparently this has been going on for a very long time and many people have been conned out of thousands of dollars. Many of which were denied refunds and denied proof of ever signing up for the program.

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 2019-05-17 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: GA

Complaint narrative:
I have been 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 2019-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I was on a repayment plan from three months ; XX/XX/XXXX - XX/XX/XXXX, of which payments were due on the XXXX of the month ; My regular monthly payments were {$1400.00} and the repayment plan amount was {$1.00}, XXXX. In XX/XX/XXXX, I called Ditech to inform, that the XX/XX/XXXX payment was being returned, due to my direct deposit pay was being deposited after that date, which the representative indicated that was fine. As a result, the payment was received XX/XX/XXXX ; XXXX was paid on time XX/XX/XXXX ; XXXX 's was paid on time, and. XXXX was the month I would resume my increase payment of {$1500.00} ; l of which I paid {$1500.00} for the month of XXXX, During my conversation in XX/XX/XXXX, with the Ditech representative, I was advised. that once the re-payment expires in a XX/XX/XXXX, monthly payments would increase to {$1500.00}. Prior to her informing me of the increase, I had no idea, I never received correspondences via mail, email or phone. I received a call Saturday, XX/XX/XXXX from Ditch stating I was ( 60 ) days late and owed {$2600.00}. I was floored, for I honored the re-payments and thought I would be current once completed. The representative requested for me to provide my bank statements for the time period I was on the repayment as proof of payment ; Although the call was on a Saturday my bank was opened I immediately went to XXXX and the bank manager fazed the same day. 

On XX/XX/XXXX, I called Ditrech, to inquire the status of the investigation to the outcome as to why I was still in arrears. I spoke with XXXX x XXXX ; she was amazing, through her professionalism, she was able to identify why I was in arrears. She indicated that the calculations, that were calculated by Ditch, were prepared incorrectly. 

As the result, the payment plan was less the amount owed. I thought to myself, here we go again ( happened in XXXX ). Ditech has caused yet another financial hardship. Based on her calculations and my recent payment of {$1500.00} received ;, total I need to pay for ( 6 ) months {$1900.00}. 

Why do I find myself constantly battling with Ditch for employees who are not professional, lack being detailed oriented, lazy and are working just waiting to punch out frim their shift. Im frustrated for this is not my first complaint about the mishandling of my account. Why do I have to be the one to pay for the lack of work ethnics, knowledge and from your employees? This DItech organization has no idea or lack to the understanding as to how they are placing folks in jeopardy of their home.? I do not think that the lack of planning and adequately addressing consumers needs should all fall on me I would like a resolution Thanking you i n advance

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: MI

Complaint narrative:
I hired a home inspector to inspect a home I was considering purchasing. The pile of sand around a heat vent wasn't a tip-off there was an issue with the heat duct. When we asked the inspector about it, he said that duct was fine. Upon moving in, we opened the vent and found a file of dirt. There is a hole deep in the vent I can not access. It will cost quite a bit of money to fix, according to an air duct repair company. 

I filed a billing dispute with my credit card company, Discover Financial Services. Discover closed the case in favor of the inspector. 

I sent more information to Discover for them to re-open the case. I informed Discover that I found out the inspector false advertised that he is a member of the XXXX XXXX XXXX XXXX XXXX. XXXX inspectors have to go through training to be certified. I also informed Discover that the inspector claims to have a money-back satisfaction guarantee. That right there is enough to rule in my favor. 

Discover sent me a letter stating they considered the information I provided and that is wasn't new information. That's a lie. I didn't provide the information and Discover didn't already consider it. 

Discover needs to remove the charges from my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation
State: MD

Complaint narrative:
A notice of cease and desist, as well as a request for proof of contract sent to Performant Recovery , Inc on XX/XX/2019. However, they refuse to respond. Instead harassing and contacting me everyday a couple of times a day.

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 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
I received a certified letter from my banking institution UMPQUA BANK on XX/XX/2019 Stating they were closing my checking & savings accounts with no explanation as to why on the letter. I contacted my branch manager XXXX XXXX to find out why. She said she didn't know But had received a notification the previous day that they were closing my accounts. I asked her to please find out what was going on. She informed me it had to do with being Associated with the XXXX industry! I have never been involved with this industry!! 
I sell XXXX XXXX and have been a XXXX XXXX for the last 20 years. I can GUARANTTE you I have nothing to do with the XXXX industry. I believe they have the WRONG PERSON!

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 2019-05-17 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: AL

Complaint narrative:
I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I've contacted the FTC and my local police and I'm doing this on my own behalf. Dep ed/XXXX, dept of ed, and XXXX. Please have these removed from 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 non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
OnXX/XX/2019,IcheckedmyUSAAcheckingaccountandnoticedtherewasaODAdvanceTransferOUTfor{$210.00}onXX/XX/2019.IcalledandspokewitharepresentativenameXXXXandsheputmeonholdforabout5minutestoinvestigate.Shecamebackonlineandsaidtherewasacomputerglitch/batchingerrorinthebeginningofXXXX.Shestated,USAAITdepartmentnoticedaccountshadtransferredmoneyfromoneaccounttoanotheraccount.Inmycase,moneywastransferredfrommyaccounttomysonsaccount.Mysonsaccountwasnotoverdraftandtherewasnoreasontotransfermoneyfrommyaccount.XXXXstatedtherewasnothingtheycoulddoaboutit.

Iaskedtospeaktoamanager.XXXX,XXXXRepresentativefromtheResolutionTeam,cameontheline.IaskedXXXXhowtheyweregoingtofixthiserror.Ialsoaskedwhydidn'tUSAAsendoutanemail,inboxnotificationorlettertoexplaintheirerror.Theyshouldhavereversethetransferimmediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I received a debt collection notice for a medical debt dated XX/XX/XXXX for the amount of {$1300.00}. I have had previous issues with debts being opened falsely under my name from the years XXXX and I have had a fraud security alert placed on my credit report since last year upon my knowledge of the activity that was taking place. This was before I received a notice from Aargon Agency consequently. After receiving the notice dated XX/XX/XXXX, I replied with a debt validation request dated XX/XX/XXXX requesting the Aargon Agency provide a copy of my signature agreeing to the services. As well, I sent a cease and desist, and requested 30 days to respond to the information provided by the agency and that the debt be withheld from being reported to my credit report during those 30 days. On XX/XX/XXXX, I received the response from the Aargon Agency, dated XX/XX/XXXX. The documents attached were copies of the bill information, as well as personal information such as address, phone number, and social security number, however, the agency did not provide a copy of my signature agreeing to services and billing. This is important seeing as though I have had accounts fraudulently opened under my identity. In my original response to Aargon, I requested a cease and desist from communication for 30 days after their response while investigating the information provided. On XX/XX/XXXX, I received a debt collection call without information of who was calling and who they were calling for. I returned the call to inquire and both representatives refused to identify the agency they were calling from and who it was they were calling for. After making repeated calls, the representative giving me the name of XXXX XXXX, revealed he was calling from Aargon Agency. However, Mr. XXXX would not identify who it was he had called for. On XX/XX/XXXX, the debt was updated and reported back to the credit bureau only 28 days from the response of the Aargon Agency. The Aargon Agency violated my cease and desist while all the while not validating the debt that was placed in my name.

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 2019-05-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Two fraudulent balance transfers totalling {$12000.00} were made to my USAA Federal Savings Bank VISA card on XX/XX/XXXX. These were transferred from two different XXXX cards. I do not own a XXXX card. I discovered this fraud on XX/XX/XXXX as I was paying bills. I contacted USAA immediately. The person with whom I spoke was very nice. She took down all the information and assured me it would be taken care of. 

On XX/XX/XXXX a man who said he was with USAA called my husband on his old cell phone. My husband could not hear very well in part because he was in a noisy waiting room at XXXX XXXX XXXX XXXX. I was in XXXX at the time of the call and could not help him. We really do not know what was said during that call. We do know that USAA cancelled that credit card. They then increased our credit limit to $ XXXX.They also sent us two new credit cards which we have not activated. They also billed us for over {$12000.00}. I paid the legitimate charges. 

After I returned home from a second emergency hospitalization in XXXX, AL, where I live, I contacted USAA FSB again about removing the {$12000.00} from our account. This time the man with whom I spoke was extremely rude and hateful and claimed that he had proof that I had called USAA and requested this. I had not called USAA for this purpose. After a couple of days we called again. This time I spoke with a female supervisor who was very polite. I thought she said she would handle this. I told her I would wait until the following Friday for her to fix this. She has not done so but I have been billed again for the {$12000.00}. 

I have since filed a police report here in XXXX AL. They told me to contact the FTC about identity theft. We did that and the sent us to CFPB.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief