vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-16 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: TX

Complaint narrative:
XXXX creditor was paid XXXX still showing on rpt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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:
Due to XXXX Breach back in XX/XX/XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all 3 major bureaus - XXXX, XXXX and transunion.In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN. I've reported such activities to FTC Identity Fraud Department and called XXXX XXXX XXXX. They assured me that they will start investigation. At the same time, I've reported such activities to XXXX. XXXX requested additional documents to proof my point which had been sent to them via USPS XXXX. As of XX/XX/XXXX, literally nothing had been done - these fraudulent accounts still could be seen on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Due to XXXX Breach back in XX/XX/XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all 3 major bureaus - XXXX, XXXX and XXXX.In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN. I've reported such activities to FTC Identity Fraud Department and called Capital One Bank. They assured me that they will start investigation. At the same time, I've reported such activities to XXXX. XXXX requested additional documents to proof my point which had been sent to them via USPS XXXX. As of XX/XX/XXXX, literally nothing had been done - these fraudulent accounts still could be seen on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2019, we started an application process with Bank of America for a new home for our son. We agreed to be cosigners on the account. We are "preferred" customers with them because we also have our investments with Merrill Lynch.There was no realtor involved. We were buying the house from a friend/ neighbor.The signed contract was sent to the bank on XX/XX/2019. A flurry of activity occurred for other papers to be signed and all were done and sent back to the bank by XX/XX/XXXX.Mortgage commitment was given on XX/XX/XXXX.Closure disclosure papers were given on XX/XX/2019. Which by now  was way too long. We thought the closing was going to take place before this and the house has been vacant since XXXX weekend. The rate lock ran out on XX/XX/XXXX and they have extended it at no cost to us until XX/XX/XXXX which is this Friday. We are still waiting to close. I have been told that it has been escalated to management. I have threatened to remove our money.  I have threatened to go to another bank to get the mortgage... all has fallen on deaf ears.The really sad part all of this is that we have enough money in this bank to almost pay for the house outright and still are being treated like this.The mortgage dept is in XXXX and the processing and underwriter is in XXXX and this is where the problem lies. They do not communicate. I just sent back a document to the mortgage dept for a 4th time.I feel frustrated. We look foolish to our friend and my son still is not in this house. This experience has been absolutely horrible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Claim is for a debt of XXXX allegedly owed to Pay-Pal, from an address I have not lived at for more than 8 years. not sure how my information was obtained but need this to stop. they call multiple times a day. Have demanded proof of debt, which they refuse to send me. XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX   XXXX XXXX, Wa XXXX, is their  physical address, mail address is XXXX XXXX XXXX, XXXX, Wa XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX creditor was paid XXXX still showing on rpt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 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: HOVG, LLC
State: TX

Complaint narrative:
XXXX creditor was paid XXXX still showing on rpt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had 2 fraudulent charges on my credit card account on XX/XX/XXXX in the amounts of XXXX & XXXX form XXXX XXXX card. During the dispute the charges remained on my account as this was odd they wouldn't temporary remove the charges until investigation was closed. I already felt there was bias. After 3 weeks I received a letter stating I was responsible for the charges as the chip card was used. This was impossible as I had the card in possession and used it that day on other transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I WAS PLACED AS AN AUTHORIZED USER AND I WOULD LIKE TO BE REMOVE OFF THE ACCOUNT. THE ACCOUNT IS HINDERING THE INTEGRITY OF MY CREDIT AND I WOULD LIKE THE ACCOUNT TO BE RMEOVED AS SOON AS POSSIBLE. PLEASE CONTACT THE FURNISHER TO HAVE MY NAME OFF THE DISPUTED 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 2019-12-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I WAS PLACED AS AN AUTHORIZED USER AND I WOULD LIKE TO BE REMOVE OFF THE ACCOUNT. THE ACCOUNT IS HINDERING THE INTEGRITY OF MY CREDIT AND I WOULD LIKE THE ACCOUNT TO BE RMEOVED AS SOON AS POSSIBLE. PLEASE CONTACT THE FURNISHER TO HAVE MY NAME OFF THE DISPUTED ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This account is transferred/sold. There should be no late payments on this 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 2019-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
Although I do not believe this to be my debt, I called the debt collector ( Pollack and Rosen) and they agreed to settle fort an amount of XXXX as paid in full. However, they refused to give me a satisfaction of judgement letter I need to secure a HELOC loan for much needed repairs to my home. Even though they accepted  a settlement of XXXX as paid in full they told me I had to give them over XXXX before they would give me the satisfaction of judgement letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAM National Arbitration and Mediation
State: TX

Complaint narrative:
They keep calling my number to collect on some ones debt. I have told them the have the wrong number in numerous occations. They said they would remove my number but I keep getting these calls. Call is from number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I received a call from Convergent in late XX/XX/XXXX stating that i owed debt to XXXX. I explained to the representative that i did have debt with XXXX, but i settled with them and paid back in XX/XX/XXXX. So then a couple of weeks later in XX/XX/XXXX i received a letter in the mail saying that they verified the information with the original creditor and that i owed {$490.00}. I immediately gave them a call and was told by the rep that i had an account with XXXX back in XX/XX/XXXX of XX/XX/XXXX-XX/XX/XXXX of XX/XX/XXXX and that i owed them. I explained to her that was impossible because during those years i was under my mother 's plan and when i had XXXX was in XX/XX/XXXX, which i settled and paid my debt in XX/XX/XXXX. Not to mention i have proof on my credit report that i settled my balance with XXXX back in XX/XX/XXXX and the dates that they claim i was with XXXX was never on my credit report. The rep then spoke with supervisor and came back on the phone saying they can settle with me for {$200.00}. I told her that i wasn't paying anything because i didn't owe any money. So then i spoke to the supervisor and he basically repeated the same thing that the rep said and couldn't explain to me why that if i had debt since XX/XX/XXXX then why did i never see it on my credit report. I'm reporting Convergent because i feel that they are trying to scam people out of money that they don't even owe. Once i did my research i saw plenty of reviews like mine where people said that they didn't even owe debt. This is ridiculous and they need to be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I had started a streamline refinance back in XX/XX/XXXX and have been rescheduled 3 times for various reasons. Everytime I have gotten a date as the date approaches who ever I e been dealing with disappears into thin air and the closing date comes and goes and I'm left with no answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent letters to Capital One on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 complaining of their new policy as follows : I pay the total transactions each month in full. If that is all I do, the following months transactions will incur an interest charge unless I pay the full amount of the transactions plus the minimum payment required. Including the payment of the minimum amount to avoid interest charges on purchases the following month makes no sense which makes it an unlawful charge. I have had no response to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
There was a payment of XXXX taken from my credit card ending XXXX on XX/XX/2019 that I never authorized or submitted for payment. Last payment I submitted online for approval was on XX/XX/2019 XXXX which posted on XX/XX/2019 and no other payments were authorized to be taken off that card after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION
State: AZ

Complaint narrative:
In XX/XX/2019, I initiated a transfer via Alliant Credit Union's website, to transfer $XXXX from my XXXX XXXX checking account into my Alliant Account. The app told me that it would be available on XX/XX/XXXX. In the past, each transfer I have made in this manner has cleared on the date that the app said it would be available. I logged into my account on XX/XX/XXXX and noticed the money had not transferred. Further, I logged into my XXXX XXXX account and them money had never left XXXX XXXX. I went into my transfer history and pending transfer list on the Alliant app, but no transfers showed. It appeared that the transfer was somehow deleted. So, I initiated the transfer again. Sure enough, the next day a transfer appeared, and a second one occurred thereafter. This second transfer caused the XXXX   XXXX account to become overdrawn. The second transfer was returned, and XXXX XXXX charged me a $XXXX  fee and Alliant   charged me a $XXXX  fee. All of this was because of the glitch on Alliant's end where the deposit did not clear when it was promised, but more importantly, did not even show as a pending or historic transfer. There was no evidence on the app that the transfer existed at all. I called Alliant on XX/XX/XXXX and requested these fees be refunded. I further told them that they should let their IT team know about the issue on their app with pending transfers not showing up. I was told a supervisor would contact me to discuss the issue. I was never contacted and the fees were not refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone stole {$460.00} from my Bank of America EDD account on XX/XX/19. I believe this person must work for the bank because they had a copy of my card, knew my PIN number and they knew the exact day I get paid because they accessed my account the very same day my unemployment payment went through. Ive never felt so violated in my life and for the bank to turn there back on me hurts so much. I filed a police report. I dont know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE FIND THE ATTACHED DOCUMENT WITH THIS DISPUTE. PLEASE REMOVE ME OFF THE DISPUTED ACCOUNT FOR I AM NOT THE OWNER OF THE ACCOUNT. IT HAS BEEN AFFECTING MY CREDIT AND I WOULD LIKE TO BE REMOVED 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 explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
I purchased a {$10.00} gift card for XXXX XXXX. I gave it to my wife as a XXXX XXXX XXXX. The card says it was issued and copyrighted in XX/XX/2012. The card also says : " No fees or expiration date applicable to this card. '' My wife put the card away and came across it today and another similar card. 

She was able to redeem the other card but this one I am complaining about initially said it was accepted and then said it had expired. 

I called XXXX and they told me that they had trouble with scammers and now their cards have an expiration date and they decided to retroactively apply this policy to all cards. 

It's only {$10.00} but the idea that they can announce that a card that says, " No fees or expiration date applicable to this card. '' is now expired seems wrong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc.
State: UT

Complaint narrative:
I was taken to the emergency room of the XXXX XXXX XXXX on Friday, XX/XX/XXXX, after sustaining a serious injury from a XXXX XXXX. I submitted my insurance information and my dad helped pay off the {$220.00} remaining after insurance paid the rest. I assumed it was all taken care of by then. However, I received a phone call from North American Recovery on XX/XX/XXXX saying that I owed a debt of {$460.00} on that same bill. I called back a week later after confirming that North American Recovery was a legitimate agency and not a scam, and I told them that as far as I knew, the bill had been paid in full. I attempted to contact the XXXX XXXX XXXX to ask about the debt, but I did not receive any response. On XX/XX/XXXX, I sent an image of the receipt, and I received a response on XX/XX/XXXX that my dispute was not legitimate. I later discovered that this debt was to pay the XXXX   doctor, which was different from anything that had been paid already. However, I did not receive any notice, written or oral, about this bill until XX/XX/XXXX, and it was added to my credit account on XX/XX/XXXX ( before I got notification that it was a legitimate bill and had not yet been paid ). I do not feel I was given enough notice that this bill existed. I did not receive any communication from the hospital that I had any outstanding debt, and furthermore, I do not feel like I was given adequate time to confirm the legitimacy of the debt after it was sent to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have been a US Bank customer for 25 years. Despite having no branch locations where I live, I've maintained the relationship. While traveling, I deposited an insurance settlement check in the approximate amount of {$4900.00} at a US Bank ATM in XXXX XXXX, NM on Friday XX/XX/XXXX. The check was made payable to myself, my wife, and two lien holders. ALL parties had endorsed the check. Nonetheless, US Bank reversed the deposit and now intends to mail us an " indemnified check '' which we are instructed to mail to company headquarters in XXXX, MN  along with a deposit slip.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Credit Card services has not been following the law on applying payments in excess of the minimum due on the credit card to the amount with the highest interest first. Instead, USAA applies the excess payment to the lowest interest first and then to the highest interest. I have been in contact with USAA about this and they continue to apply excess payments to the lowest interest portion first in order to illegally generate more interests from the and other unsuspecting XXXX and XXXX XXXX personnel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: CO

Complaint narrative:
I called IQ Data international on XX/XX/2019 to pay a debt. When I talked to the representative XXXX, he told me that I could pay the principle amount and have it taken off my record if I was able to pay within ten days of the first payment I made. I made a payment of XXXX $ on XX/XX/19 and planned on making the other XXXX $ payment today XX/XX/19. Now Im being told that if I only pay XXXX $ that I will not have this taken off my record and there will be a remaining balance. When I asked to speak to a supervisor XXXX hung up on me. When I called back and spoke to the supervisor, the supervisor hung up in my face as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief