vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently disputed an item on my Experian credit report and the results came back as being accurate. XXXX/Univ of XXXX has an item on my report stating that {$1100.00} has been charged off. The issue that I have with this reporting is that the report reflects a balance of {$1100.00}. If this amount have been charged off, this should not be reflected as a balance on my report. Its listed as the original balance which is correct. Listing it as a balance while also indicating that is charged off is inaccurate. I am once again requesting that this account is deleted from my report as I have given Experian the opportunity to update this account, however they responded informing me that this account was accurate.

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 2019-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have always paid my bills on time and I am having an issue with Kohls where my auto pay stopped and I was not aware. I have also recently moved. I am requesting that all late fees from XX/XX/2019 are reversed as they were charged after I was told they would be waived by associates on the phone. Kohls says that have no record of such request. Some fees have been reversed but not all. 

XX/XX/19 LATE FEE {$27.00} XX/XX/19 INTEREST CHARGE ON PURCHASES {$2.00} XX/XX/19 LATE FEE {$27.00} XX/XX/19 INTEREST CHARGE ON PURCHASES {$1.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On Friday, XX/XX/XXXX I deposited a check I received as a paycheck for a job offered to me through my college email. I accepted the position due to needing money and the ease of it's workload ( A secret shopper position where I'd be sent money, purchase products, and submit reviews ). 

XXXX XXXX XXXX XXXX then proceeded to freeze my accounts, tell me I was complicit in fraud possibly, and after a week of no contact, they forcefully closed all my accounts, forbid me from opening new accounts ever, and mailed me my remaining money that I need today through USPS. 

This is insane. I didn't commit fraud. Is this going on my credit report? I demand my accounts be reopened so I can close them MYSELF. This bank is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/19 I received an email from my banking institution that informed me that Barclay Card US had changed my credit card number and they had updated that information on the bank site where I pay my bills. I was notified in the same email that there was no need for further action. Further stating if I had questions to contact the credit card company directly.

I immediately made that call to Barclay only to be met with " a why worry attitude '' by every representative ( I spoke to 3 ), regarding this change. I further expressed my concerns that they could go in and change a card number without notice, that I had not initiated due to a lost or stolen or fraudulent event. Expressing that this was " NOT NORMAL '' procedure, they caused me a great deal of momentary grief and concern as I attempted to find the answer to " why ''. Their only response was " it was a security measure that they commonly practice to insure my card was secure. '' I stated I'd been doing business with them for at least 10 years and never had this happened. I have had ample credit cards throughout my life and NONE had ever taken such a measure to secure my card unless " I initiated '' the change due to a lost/stolen or possible fraudulent transaction. All I kept getting from them was apologies for the inconvenience and nary a legitimate engagement regarding my concern this happened in the first place. 

When I asked them to make sure that the powers that be get my escalated complaint of this poorly initiated changed and failure to communicate that it was happening I could not help but feel like they were humoring me only by saying they'd submit a report of my complaint and call. 

To clarify I also left an email ON THEIR WEBSITE from my login area that was secure. In that note, I stated that I received an email from them -- -THAT WAS AN ERROR and oversite on my part and incorrectly stated. I immediately saw red, became concerned and overlooked who the email was actually from which was my banking institution. I have saved a copy of it and will attach, along with the last copy of my billing statement from Barclay that has the last 4 of the old number, and a snapshot of the new barclay page reflecting the last 4 of the new number. They said the new card is in the mail as of XX/XX/19 and that the old card would still be good until XX/XX/2019. I expressed my grave concern that to me, they had INCREASED my possibility of being compromised having TWO active number cards circulating, of which I DO NOT EVEN HAVE THE ENTIRE NEW card number yet!!! Again, a very wrong way to go about " securing '' a clients card.

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 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I was paying down a debt that was in collections and the original collection agency didn't inform me that they sold the account, and I made a couple more payments to that company and now this new company wants more money. I'm not going to pay anything more. This practice should be illegal and today I'm calling the Texas Attorney General office and have this stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: VA

Complaint narrative:
I have contacted XXXX  and TransUnion multiple times since XX/XX/2019. I have opened disputes and they have not correctly resolved the issue and my credit score is negatively affected. My XXXX XXXX account is listed as post due for the month of XX/XX/2019. XXXX refunded late fees and interest to my account so that the balance was {$0.00}. XXXX  and TransUnion will not change the status from Past Due to current even though I have provided statements showing the refunded fees. XXXX said the account is up to date in their system and not past due for XX/XX/2019. Their recommendation was to dispute with the agencies which I have done multiple times. I dont understand why XXXX  updated the report and the others refuse. My credit score dropped significantly because of this. So much so I was advised against putting an offer on a house until it was resolved and now the house is no longer on the market!

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 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I was interested in applying for the new XXXX XXXX issued by Goldman Sachs Bank but it is restricted to just allowing XXXX XXXX or higher users to even apply. I would think that this general purpose card is using the requirement that applicant 's have not only a specific product brand but only the more recent versions is in fact a type of redlining. They do not seem to have a way for anyone interested to apply for credit ( maybe after getting the card a consumer would then want to purchase an XXXX XXXX. Application is also not supported by individuals that may have any number of other XXXX products except the XXXX. 

If this was a store card only accepted at XXXX or only able to be used in the XXXX wallet as XXXX Pay then it might be different but they offer a physical card to use anywhere. 

This just feels like a modern version of redlining as XXXX owners skew to a higher socio-economic level.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
ACCT XXXX CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This collection/attorney 's office put a judgement against my name for my ex husband 's credit card that I never signed for. I called XXXX XXXX XXXX and verified that this is my husband 's credit card and it was never under me. This attorney 's office illegally attached this debt to my name. XXXX XXXX XXXX XXXX only opens cards under the card member 's name who works at the XXXX research lab. I never agreed to this credit card. The judgement needs to be removed from my name. 

The credit card in question is visa ending in # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying since XX/XX/2019 to have Equifax to un freeze my credit report so it can be checked by loan companies to approve me for a VA XXXX. To this day my credit file remains locked, and I have lost over 20 home deals because my file remains locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have contacted Equifax and XXXX  multiple times since XX/XX/2019. I have opened disputes and they have not correctly resolved the issue and my credit score is negatively affected. My XXXX Credit account is listed as post due for the month of XX/XX/2019. XXXX refunded late fees and interest to my account so that the balance was {$0.00}. Equifax and XXXX  will not change the status from Past Due to current even though I have provided statements showing the refunded fees. XXXX said the account is up to date in their system and not past due for XX/XX/2019. Their recommendation was to dispute with the agencies which I have done multiple times. I dont understand why XXXX updated the report and the others refuse. My credit score dropped significantly because of this. So much so I was advised against putting an offer on a house until it was resolved and now the house is no longer on the market!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: BlueChip Financial
State: NM

Complaint narrative:
I did not apply for a loan. I do not want a loan. I keep requesting this company stop the unsolicited contacts.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: NJ

Complaint narrative:
I have been receiving daily calls from professional account management llc for months. It is a robo call with no options but to call another number. XXXX is the number that keeps calling. I don't have any debt in collections or anyone in my household or with my number. There seems to be no way to stop them from calling or talk to a human. The call seems like it is fraud. Since there is no way to contact or even go to website to report very difficult company to work with. They are also requiring account number when you do this or other info. I don't have any info that is valid as they are calling for someone else account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I was contact via mail by Resurgent Financial Services in regards to a debt. collection that had a judgement placed on it in XX/XX/XXXX. It was decided that the judgement was to be vacated, because the summons was improperly served. 
Because of the improper service as well as the fact that the debt had reached beyond the statue of limitations, the judgement was vacated and dismissed by the court on XX/XX/XXXX. 
When I received the letter from Resurgent informing me that they were attempting to collect on this judgement that was no longer valid. I responded well within the 30 day time frame that the debt was no longer valid and included copies of the judgement that was dismissed, to verify that it was no longer considered valid. 
I asked them to no longer contact me in regards to this and mailed the letter as well as all corroborating documents, they were mailed certified mail to both address they have listed. 
I do not wish for this matter to go on any further than it already has, I will be sending them yet another letter requesting they stop trying to collect on a debt that is no longer valid, and that their actions in regards to further trying to collect this debt has been reported here. Apparently since they have not chosen to comply with the original request, despite validating that the debt/judgement is no longer valid, I am sure that they will continue to harass me in regards to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
I had a credit card with Alliant that I had stopped using. I kept it open through the end of the 12 month period that was paid under the {$59.00} annual fee. Now here is where Alliant engages in unprofessional, unethical, " gotcha '' fees. I got my XX/XX/2019 statement in mid-XX/XX/XXXX and saw the new {$59.00} annual fee for the upcoming year. So I called XX/XX/XXXX to cancel. Seemingly in-line with the business practices of all banks, credit card companies, etc, I presumed this would be an easy cancel and removal of the fee - ie, calling within the billing cycle when the fee hit. No such luck. They did cancel my card but said they would have to request the {$59.00} refund. I presumed again this was a simple process and assumed it was done, as I didn't hear further. Fast forward to XX/XX/XXXX where I noticed a new online statement with a balance ( the annual fee ). I call and figure this would be a quick waving of the fee. No luck, again. Apparently they buried on page 3 of the XX/XX/XXXX bill, a notice that says one has to call within 30 days of the XX/XX/XXXX bill to avoid this fee. Take note that the {$59.00} fee isn't on the XX/XX/XXXX bill but the NEXT MONTHS BILL. So if you don't read through all the fine print through to page 3 of the bill, then one never sees this. It's clearly intentional and duplicitous to bury this at the end of a bill vs PAGE 1. Plus it's even more tricky to only allow you to cancel BEFORE the actual charge hits your statement. So once the fee hits your statement, what do you know, it's too late to cancel. How underhanded is that??? Reps were rude and supervisors were worse when I called two times to investigate and then confirm this, as I couldn't really believe it could be the case ( except the rep that admitted the fee was not really appropriate - so clearly they get this A LOT ). I really can not believe that XXXX would fight customers so hard over a silly fee and hurt their reputation so badly. If they need {$59.00} fee income, you should worry about their viability as a bank, not to mention their ethics. And I can not believe that this day and age a bank would engage in this practice that is clearly designed to trick customers. Oh and there is no proration of the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello and thanks for your great service wish I knew all that early I would contacted you. I could not find any other option available to send my message so I chose this option, sorry. I lost my two Capital one accounts due to job loss inability to keep up with growing late fees interest etc. I had informed spoken to numerous account managers etc. About the time I called in my accounts were closed some 5 days earlier. To prose a payment plan XXXX per month on wax account was agreed by account manager back in early XX/XX/2019. I had explained to her I did not want to lose my accounts and hoped I could pay down the debt starting in XXXX. I requested her to send me a letter within new agreement she'd agreed I could pay the cards down and also agreed to lower the balance regarding the late fees etc. I was happy I had accomplished something here. But by the time XXXX came the letter she'd said she would send never arrived I was never contacted in writing or otherwise. I had an open relationship they in the past were open to talk and any other related my issues with work and any other issues. I was completely ignored it seemed. I don't want to get overly personal but dromedary I had revealed to them with work and other things Believe they could of handled this in a better way instead of lying and ignoring me. After we agreed to work on this account patient agreement. I don't know what you can do but I have more info and I was only acting to hopeful repair the accounts and debt with someone who identified her self XXXX the agent for Capitol One. Thank you again, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NC

Complaint narrative:
My mortgage servicer ( Selene Finance ) has placed numerous fees on my account which continuously keep me behind on my payments. The fines are unnecessary and phone representatives are unable to explain them. One fine in particular is a property inspection fee which is unnecessary and is charged to my account each month. 

Another issue that I have with Selene is the fact that the company breached my privacy by divulging my personal information without my consent. Selene sent a representative to my home when I was not home and a family friend who was at my house was asked : " when do you expect the loan to be brought current ''. 

Also, my mortgage changed servicers several times. The first time it changed I was in the midst of a mortgage modification with XXXX. During the process XXXX lost my paperwork, denied my request, and committed numerous RESPA and TILA violations. I made some payments during this time however XXXX was unable to show where the payments where applied to my principal. Ultimately my mortgage was transferred to 2 other servicers then to Selene who eventually finalized the modification. The modification placed almost 10 years worth of mortgage payments on the end of my loan which placed me underwater with my home. 

I would like for a consumer finance representative to assist me with this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
After notifying Equifax that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Equifax, presumably accepted my request but without notifying me, converted my request to a dispute instead. Which is in violation of Then 30 days later sent me a correspondence stating they verified the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Equifax verify? Additionally, Equifax refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Equifax has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Equifax refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. Please help me get these fraudulent items blocked from my credit file. 
XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX {$5700.00} XX/XX/XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX   XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$24000.00} XX/XX/XXXX XXXX XXXX {$24000.00} XX/XX/XXXX XXXX XXXX  XXXX {$24000.00} XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$62.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX {$84.00} XX/XX/XXXX XXXX XXXX XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX Collection/Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Westlake Services, LLC
State: MD

Complaint narrative:
This account was settled and Westlake financial is still reporting to the credit bureaus as a balance owed and delinquent. I have disputed this many times.

Company response to consumer: Closed with explanation