vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
Hello CFPB. Pleas send the documents to Discover bank. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I had an inquiry pop up on my report CHRYSLER CAPITAL for an auto loan account ending # XXXX ... ... I have never done business with them its unknown to me. Its preventing me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: FL

Complaint narrative:
see attatched XX/XX/2019 statement confirms on XX/XX/XXXX, XXXX posted a credit of {$200.00} & {$280.00} USAA posted Temporary Credits THERE CAN NOT BE 2 CREDITS FOR ONE PURCHASE!!!!!! ON XX/XX/XXXX AND XXXX ALREADY GAVE THE CREDIT. ( see XX/XX/XXXX Adjustment Purchases ) THESE ARE TO BEGIN A FRAUD INVESTIGATION** AFTER THE MERCHANT PAID**.??? These are NOT MADE PERMANET & on XX/XX/2019 USAA FRAUDS ME CREATING PERMANET NEW CHARGES {$200.00} & {$280.00} FOR WHAT WAS JUST PAID **REVERSING MERCHANTS CREDITS CLAIMING they are usaa 's. 
*** USAA STEALS MERCHANTS CREDITS LEAVING CONSUMER WITH THE FRAUD MERCHANTS COVERED. ***

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit 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 2020-04-12 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: CT

Complaint narrative:
I had a Capital One Quicksilver Credit card that I missed 5 payments on. This was due to one I had moved from XXXX to XXXX in XX/XX/2019 and the statements were not forwarding to my new address. In addition, I thought that I had paid the balance off. There was one XXXX $ owed and not including over XXXX $ of late fees I received in that time. Once I became aware of balance and late fees I immediately paid off the entire balance. In addition, I called capital one and spoke to them about the issue and that I had paid off the balance and they ensured me that they would remove the delinquent marks for my credit reports. This was over six month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit 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 2020-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Razor Capital, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX sold my account to razor capital a debt collector. Razor capital/XXXX XXXX had account through XXXX XXXX XXXX. When I went to pay agreed payment amount, XXXX said account was closed and couldnt tell me anything. Never received anything saying debt was still owed. Then went to sell my house and it says razor capital has a lien on it. Call razor capital and they tell you I owe and tell me to call XXXX XXXX  and XXXX another collector. Call them and they say if and when they get the account they can tell me how to pay. Had the real estate lawyer call and they get the run around as well. They got a letter from razor capital saying how much I owe ( XXXX ) but not how to repay it. They dont give you any way to get the lien off of the home so that I can sell it. Im only getting what is owed on the house Im not making money off of it. They will not tell me how to get lien off. I have called numerous times in the last 4 months or so and still get the run around. When I did the court agreement to pay {$25.00} a month which I did until they closed account it never said anything about a lien. I believe the account was closed and the lien should have been taken off. I co-own the home with my ex as well. So I dont know how they can have a lien on something that is not all mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Last month me and my friend, tried to buy an XXXX throw XXXX. The scammer told us to send XXXX dollars throw XXXX. At the end I did not accept it. Later on I got inside my bank account and I didnt have XXXX dollars, on wells fargo and XXXX XXXX. So I called both banks to report it as a fraud transaction. The next days when my friend told me that he did made the transaction. We went to the police station, we contacted XXXX but they told they would not be able to do anything. 

At the same time XXXX XXXX answered me saying that they could not process my claim so I would not get my money back. I expected the same from Wells Fargo. So we did not change our claim. 

Days pass and we recieved an answer from wells fargo saying they would not be able to refund me the money. 

So this is my last option.

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 2020-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an accounts at Synchrony Bank & XXXX XXXX XXXX company. I did not open or authorize these accounts. 

Enclosed is a copy of my Identity Theft Report supporting my position showing the fraudulent items related to the accounts that are the result 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 explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-04-12 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: TX

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-04-12 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: TX

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter and Ive called 3x to have any and all comments removed along with any pending disputes. The representative told me they would be removed In 3 days. I have a mortgage application pending due to this and I will lose my home and the money Ive already paid. Why do they keep lying to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank sent consumer a personalized cash offer payable into a newly originated checking account upon completion of certain terms. Consumer completed these terms by depositing more than {$4000.00} in payroll and ordinary income to newly opened account within 90 days of origination but was not subsequently credited bonus of {$300.00}. 

Attached are relevant documents - " statements '' contains pdf statements with relevant deposits indicated with black circles XXXX XXXX bank sends account welcome document confirming aforementioned bonus terms XXXX XXXX consumer contacts bank via post with account inquiry about missing {$300.00} XXXX XXXX  bank responds via post declining to credit account stating that terms not met

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 2020-04-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Costco Visa Credit Card administered through Citibank. I am for the most part very happy with the cards benefits, the convenience and especially the customer service. One of the benefits that I took advantage of last year was a 0 % Balance transfer offer. I try to avoid interest fees at all costs so from XXXX through XXXX of this year, when I received my statement, I called to ask what is the amount that I need to pay in order to avoid interest. This amount is not specifically listed on the statements like it is on some competing credit card statements. When I receive my statements, I call up Customer Service to ask how much do I need to pay in order to avoid interest and am given amount by their telephone representative. I pay the amount and have been surprised to still been charged interest each time. The amounts are not huge but these days every penny counts for me. Today, thankfully I reached a supervisor and she reversed my fees incurred since I took my balance transfer but my concern is am I going to have to call again? Thankfully in two months I will pay the card off but if I ever want to take advantage of an offer again will I go through the same process of calling? I get offers from Citibank several times a month for balance transfers. What I would like for Citibank to do is to give an accurate figure on their statements detailing the amount due to avoid any interest. As I mentioned, many of my other competing accounts due this. Why not Citibank? 

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 2020-04-12 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: MI

Complaint narrative:
On XX/XX/XXXX I opened my Credit report and found unauthorized inquiries on my report. I don't know where they came from and I have no knowledge of them. Please correct this error. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12 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: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/XXXX I opened my Credit report and found unauthorized inquiries on my report. I don't know where they came from and I have no knowledge of them. Please correct this error. 

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 2020-04-12 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: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX I opened my Credit report and found unauthorized inquiries on my report. I don't know where they came from and I have no knowledge of them. Please correct this error. 

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 2020-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not 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 explanation
Consumer complaint received 2020-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not 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 explanation
Consumer complaint received 2020-04-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: MI

Complaint narrative:
On XX/XX/XXXX I opened my credit report and noticed unauthorized inquiries on my report. These were unauthorized and I have no knowledge of where they came from. 

XXXX XXXX Inquiry date : XX/XX/XXXX XXXX National Credit Card Cos . 
Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an accounts at your company. I did not open or authorize these accounts. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
Due to Covid 19, I am unable to pay my mortgage. We do not have enough money coming in to cover the mortgage and maintain my family. I apply for a forbearance Plan however, this will compile four month of payment at the end of the forbearance Plan. I live in XXXX XXXX XXXX, according to the governor, XXXX XXXX, the three month will be added to the end of my long. This is not what Roundpoint is offering. I am afraid that in XXXX, I will not be able to pay over 10,000 in mortgage payments. This is what they are stating on there website, At this time, Investors and Insurers are providing temporary relief for those financially impacted by COVID-19 through temporary forbearance plans ( a suspension of your monthly payments ). We will update this page and notify our customers as the Investors and Insurers release additional relief programs. 

Click below to request a temporary COVID-19 Forbearance Plan. 

https : //www.rpmservicing.com/coronavirus Please help me resolve this issue and insure that my home is secure.

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