vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-22 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: TX

Complaint narrative:
Back in XXXX I got fraudulent activity in my card. I contact the credit card to reconcile the transactions that were fraudulent and since then there has been a lot of messages related to that and I do not understand what was going on. the last electronic message was last week ( XXXX ) related to that. 
I have been waiting to close completed my credit card so I can make sure I can see any additional activity. 
Yesterday I called Citi Credit Card to 1 ) ask what is going on and 2 ) close my account.

I spoke to the manager of the call center ID number XXXX and she said the fraud department is the only one that can tell me about the fraud activity and they were closed. i explained I need to understand if everything is OK so I can close my account. I also explained I do not plan to keep the credit card and an annual fee was charged. I asked her to give me options to figure out what was going so I can close my account because I don't want to pay the {$100.00} fee for a card that can't help me resolve fraud issues when it happen. 
She was really rude and told me that I have no options and I must pay the fee and balance before closing my account. 
It feels like the credit card company is delaying solving my problems so they can charge me {$100.00} before closing my 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 monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Analysts of MN, Inc.
State: CA

Complaint narrative:
From or around XXXX thru XXXX my identity has been used by others who lived with me or family members that didn't live with me but knew my information, they used my personal info to receive credit, loans, items under my name. They used my computer, internet, phone, address, personal documents. They had access to all of this because I kept my files in my home fully accessible. I did not monitor my credit report on a timely basis, however some credit issues are just appearing that are dated years back. I'm being haunted with all these issues now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Both XXXX and Equifax have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22 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: Southern Auto Finance Co
State: TX

Complaint narrative:
I bought a XXXX XXXX here in XXXX Texas, when trying to trade it in I had issues. I went to the XXXX Dealer -XXXX XXXX they advised me the finance company SAFCO is not one they use. I explained it was their sales manager that did the financing. I eventually called the finance company to come and get the car. They sent a company. About 4 months later I called to get the paperwork as required by Texas repo laws. They said I did turn the car in. After numerous calls this company decided to report late every month for the past year after confirming the resold the vehicle. I gave the car back in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Both Transunion and XXXX  have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.

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 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Both XXXX and XXXX have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.

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 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XX/XX/XXXX-inquiry without approval or knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX- inquiry without approval or knowledge XXXX-XX/XX/XXXX-inquiry without approval or knowledge XXXX XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX XXXX XXXX-inquiry XX/XX/XXXX inquiry without my approval or my knowledge XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or knowledge XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or my knowledge XXXX-XX/XX/XXXX=inquiry without my approval or my knowledge XXXX ca-XX/XX/XXXX-inquiry without my approval or my knowedge XXXX XXXX XX/XX/XXXX-XX/XX/XXXX inquiry with out my approval or my knowledge XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX inquiry without my approval or my knowledge

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 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XX/XX/XXXX-inquiry without approval or knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX- inquiry without approval or knowledge XXXX-XX/XX/XXXX-inquiry without approval or knowledge XXXX XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX XXXX XXXX-inquiry XX/XX/XXXX inquiry without my approval or my knowledge XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or knowledge XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or my knowledge XXXX-XX/XX/XXXX=inquiry without my approval or my knowledge XXXX ca-XX/XX/XXXX-inquiry without my approval or my knowedge XXXX XXXX XX/XX/XXXX-XX/XX/XXXX inquiry with out my approval or my knowledge XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX inquiry without my approval or my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XX/XX/XXXX-inquiry without approval or knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX- inquiry without approval or knowledge XXXX-XX/XX/XXXX-inquiry without approval or knowledge XXXX XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX XXXX XXXX-inquiry XX/XX/XXXX inquiry without my approval or my knowledge XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or knowledge XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or my knowledge XXXX-XX/XX/XXXX=inquiry without my approval or my knowledge XXXX ca-XX/XX/XXXX-inquiry without my approval or my knowedge XXXX XXXX XX/XX/XXXX-XX/XX/XXXX inquiry with out my approval or my knowledge XXXX  XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX inquiry without my approval or my knowledge

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 2018-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
XX/XX/XXXX I DID AN ONLINE TRANSFER FROM MY SAVING ACCOUNT TO MY CHECKING ACCOUNT IN THE AMOUNT OF {$300.00}.

XX/XX/XXXX I SPENT THE {$300.00} ON A CAR REPAIR. i CHECKED MY ACCOUNT AFTER THE REPAIRS AND FOUND THAT MY {$300.00} TRANSFER HAD NOT OCCURRED. I CHECKED THE ONLINE BANKING PAGE AND FOUND THAT THE TRANSACTION HAD OCCURRED BUT HAD NOT BEEN CREDITED TO MY CHECKING ACCOUNT. I SPOKE TO SOMEONE AT ARVEST ABOUT IT AND WAS TOLD THAT THEY WOULD EMAIL THE SERVICE DESK. IN THE PROCESS OF THIS I HAD TO MAKE A SECOND {$300.00} TRANSFER TO COVER THE {$300.00} DEBIT CARD I HAD USED EARLIER. I WANT TO KNOW WHERE MY TRANSFER OF {$300.00} WAS CREDITED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
IN REGARDS TO: OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
I DISPUSTED THIS INACCURATE MORTGAGE ACCOUNT THATS REPORTING 30 DAYS AGO. I DISPUTED THIS ACCOUNT WITH THE CREDIT BUREAUS AND IT CAME BACK VERIFIED. NOW THIS REALLY HURT ME, ESPECIALLY AFTER I HAVE BEEN TO CIVIL COURT AND WON MY VERDICT AGAINST ALREADY FOR INACCURATELY REPORTING MY ACCOUNT WRONG. I'VE ASKED THEM TO SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE BUREAUS IS ACCURATE. WHICH THEY INSTRUCTED TO TAKE THE MATTER UP WITH THE BUREAU IT'S NOT THEM. SO HERE I AM AGAIN GOING THROUGH THIS WHOLE DISPUTE PROCESS OF FINDING OUT WHO'S LIABLE FOR REPORTING INACCURATE INFORMATION. IF OCWEN LOAN SERVICING CAN NOT PROVIDE ME THIS INFORMATION OF WHY I HAVE A 30 DAY LATE PAY IN XX/XX/XXXX WHEN I HAVE NEVER BEEN LATE, AND  WHY THEY ARE REPORTING INACCURATELY THAT THE LOAN IS BEING MODIFIED. THEN TO TOP THAT OFF  IN MY COMMENT SECTION INACCURATE REPORTING OF A BALLON PAYMENT OF $XXXX DUE BY XX/XX/XXXX WHICH IS COMPLETELY FRIVOULOUS. IF THEY CAN NOT PROVIDE ME THIS INFORMATION, THEN THEY MUST REMOVE IT AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER, BUT PROOF. UNDER THE FEDERAL SERVICE ACT-REAL ESTATE SETTLEMENT PROCEDURES ACT 12 U.S.C 2605(e), I'VE REQUESTED A QUAILIFIED WRITTEN REQUEST AND RECEIVED NO ANSWER.
DUE TO THIS I FEEL THAT OCWEN IS REPORTING THIS ACCOUNT TO THE CREDIT BUREAUS IS INACCURATE, SO PLEASE PROVIDE ME WITH THE FOLLOWING INFORMATION:
1) ALL TRANSACTIONS PERTAINING TO THIS ACCOUNT.
2) HISTORY OF ALL TRANSACTIONS  PERTAINIING TO THE ESCROW OF THIS ACCOUNT.
3)ALL PROPERTY INSPECTIONS FEES.
4) ALL FEES PERTAINING TO THE ACQUISITION OF THIS LOAN.
5) DETAIL BREAK DOWN OF ALL PAYMENTS, INTEREST AND LATE FEES IF ANY ASSOCIATED WITH THIS ACCOUNT.
6) THE PAY OFF AMOUNT.
IF THIS REPORTING INACCURATELY CONTINUES, I WILL HAVE NO OTHER CHOICE BUT TO CONSULT WITH A CONSUMER RIGHTS ATTORNEY REGARDING MY RIGHTS IN THIS MATTER, AND BASED ON MY RESEARCH OF THE FACTA ACT, AS A CONSUMER I HAVE THE LEGAL RIGHT TO DISPUTE ANY INACCURATE ACCOUNT DIRECTLY WITH THE LENDER/CREDITOR. I KNOW YOUR COMPANY WILL DO THE RIGHT THING, I HAVE ALL DOCUMENTATION AND I'M CAREFULLY TRACKING ALL CORRESPONDENCES. I WILL HOLD YOUR COMPANY RESPONSIBLE IF YOU FAIL TO PROVIDE ME WITH THE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
My issue is with Bank of America 's non transparent statement practices. I have paid my balances on the due dates set forth on each statement however continue to accrue interest charges after subsequent statements being PIF. As you see below in my summary I only had a {$10.00} carryover which accrued interest and was subsequently PIF on the next statement, according to the total balance to be PIF. Having had credit cards for 15 years now and having always handled my statements timely this is a gross abuse of non-transparent practices. 

1st Statement XX/XX/XXXX- XX/XX/XXXX, {$95.00} Balance to be PIF by XX/XX/XXXX. {$95.00} PIF on XX/XX/XXXX.

2nd Statement JXX/XX/XXXX-XX/XX/XXXX, {$8600.00} Balance to be PIF by XX/XX/XXXX. {$8000.00} paid on XX/XX/XXXX. {$620.00} credit on XX/XX/XXXX from rewards. Total credit to account by Due date of XX/XX/XXXX which was {$10.00} short. This was my error and own this {$10.00} carry over.

3rd Statement XX/XX/XXXX - XX/XX/XXXX, {$1400.00} Balance to be PIF byXX/XX/XXXX. {$1400.00} PIF on XX/XX/XXXX. I was charged additional interest of {$13.00} which I understood to be from my previous {$10.00} balance carryover.

4th Statement XX/XX/XXXX - XX/XX/XXXX, {$1600.00} Balance to be PIF by XX/XX/XXXX. Pending payment of {$1600.00} to post XX/XX/XXXX. An additional interest charge of {$37.00} is now showing on 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 monetary relief
Consumer complaint received 2018-04-22 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I have submitted a dispute to Early Warning Services several times now and the false inaccurate information still remains on my report. As i have stated to Early Warning Services the information being reported from XXXX XXXX about a XXXX Checking account, and from XXXX XXXX XXXX for Checking, Savings and Investment accounts are incorrect on the Consumer report they provide. I have made several attempts to contact them and instead of reading my concerns they continue to say the information being reported is accurate. Even though these accounts were opened as a result of the identity theft that had occurred to me. Which i have also informed them. 

These accounts XXXX XXXX XXXX, and XXXX  XXXX XXXX, as well as XXXX XXXX, and now i am seeing a XXXX account all were opened as a result of Identity theft. I never lived at XXXX XXXX XXXX XXXX, Tx XXXX nor XXXX XXXX XXXX XXXX, Tx XXXX. It's also good to note i have reported this identity theft to the FTC which i will attach. As the XXXX information XXXX XXXX is reporting is that these accounts were " Closed for a Cause '' which is affecting me from obtaining another checking account. These account 's were never opened by me, and in fact i did file a identity theft claim with XXXX XXXX. XXXX XXXX Advised me they were " Researching '' Never responded to my claim and i have marked that in my Identity theft report as well. I have never banked with XXXX XXXX, Nor XXXX  XXXX and i want this information removed from my report with Early Warning Services.  XXXX XXXX told me they never reported any Account information to EWS even after showing them proof. So please review and remove these accounts opened as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Chexsystem 's continues to deny my claims that i have identity theft even though i have filed a FTC Identity theft report which i will attach. ChexSystems is reporting that i have " Account Abuse '' with a XXXX XXXX. Which i have never banked with. This is a credit union, i have contacted numerous times and they refuse to work with me. They tried sending me a pay to delete letter but chexsystems still didn't remove it. I advised Chexsystems and XXXX i have experienced Identity theft. I want ChexSystems to actually review my claims instead of just denying my disputes saying if i don't file a police report they won't investigate. A FTC Report is essentially a police report, the local PD can review these reports. 

I want this information updated and removed from my ChexSystems report as it is causing personal harm to me. Per the FTC note to furnishers, false information and fraudulent information should be removed immediately per the FCRA requirements of identity theft. Please review the attached report. 

Remove the accounts for XXXX which i never opened and XXXX XXXX and XXXX 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 2018-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On Friday, XX/XX/XXXX, I was defrauded by a ticket seller claiming they had four ( 4 ) tickets to the Indiana XXXX XXXX game in XXXX, Indiana. I contacted the seller via text and we negotiated the price to {$370.00} USD in exchange for four tickets. He claimed he used XXXX XXXX XXXX and we could only use bank-to-bank transfer as a means of payment since he was out of town with digital tickets that he could transfer through the XXXX XXXX application. 

I sent the money to the seller via the Chase XXXX app, an amount of {$370.00} XXXX. After I sent the money, the seller disappeared. I tried to call and my number was blocked. I could tell where this situation was heading so I called Chase as quickly as I could. I sent the money at XXXX XXXX  on Friday, XX/XX/XXXX and was on the phone with Chase at XXXX XXXX, only 21 minutes later and then again at XXXX XXXX  with the two conversations lasting 36 minutes and 41 minutes respectively. 

On the phone with Chase, I told them I wanted to file a dispute because the seller had defrauded me and had went so far as to block my number. We were able to contact him from a different phone number and asked him if he still had the tickets and he said that he did. Chase told me that XXXX is being marketed as an application to be used only between real-life acquaintances and to hope that the criminal would send the money back in good faith. XXXX has never been openly promoted as only a way to transfer money as I took the time to search through all promotional items and commercials ( one commercial even goes as far as to mention paying your dog-walker for her services ). 

So since XXXX can not be used for merchandising, though never being explicitly stated, Chase told us we were out of luck and they would not file a dispute. After discussing the dispute, they made a courtesy claim. We called them back on the morning of Sunday, XX/XX/XXXX at XXXX XXXX for 11 minutes in which they told us they had closed the case and never made mention of it to us. After discussing our future with Chase, they told us this was our error and not theirs and hung up on us. 

On the phone during my initial conversation, the Chase worked made mention of the loophole that the criminal had exploited. In essence, he claimed Chase and XXXX are both aware, and thus complicit, in scamming and criminality. XXXX and all major banks are taking no responsibility despite being fully aware of how their services are being used. {$370.00} XXXX is the difference between paying my bills and not. The two services are not only turning a XXXX eye but encouraging the use of their services to be used for fraud. The seller used a fake name and a spoof phone number and made out like a bandit. XXXX uses legal jargon buried in their Terms and Conditions to protect them despite advertising differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX XX/XX/18 Does not list my Former & Current Employers but on Report # XXXX Dated XX/XX/18 it list Employers Still missing since Report # XXXX Dated XX/XX/18 Nurse Finders & Staffing Plus I have even sent a copy of my XXXX and still no update this has been going on now for over 5 months with current Employers and Experian has not updated nothing. 

No Former or Current Employers showing on page 19 of 20 report # XXXX nothing showing End of report Current Employers : Staffing Plus Nurse Finders Starling Charities All other Employers are Former

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