vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-01 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
my credit card number was used to make purchases by someone I do not know. I contacted the credit card company to report the fraud situation. they closed the card and a new one was to be issued. I specifically asked if the new card would continue with the info from the original card ( years of ownership and number of months of good payments ) and I was told yes. 
the new card was issued and I made a charge and a payment. at first the credit bureau was showing the card as closed. now they are showing it as REMOVED. this dropped my score! I have sent numerous secured messages to the credit card company about both issues and also many phone calls. Now the credit bureau is showing an inquiry made by the credit card company. I DID NOT authorize the hard inquiry. I contacted the credit card company again about this. nothing has been done except for getting robo emails from the credit card company.! want the hard inquiry removed and a written letter confirming this has been done. Since I have a fraud alert in place with all 3 bureaus I have no idea how the credit card company was able to do this. I want their fraud alert access procedure investigated.2. I want the replacement card to show the 49+months of excellent payment history and the correct payment amounts on my credit report .3. I want the credit card that was removed from from my credit report to be reinstated on my report with the accurate info ( see number 1 ) this has been going on for several months and has been very time consuming on my part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has not due its due diligence in accordance to the FCRA, they are simply parroting information from their XXXX system. 
I have contacted the original creditor ( OC ) per Experian, the OC is XXXX/XXXX # XXXX.The OC has furnished a letter to me, in turn I have furnished the letter to Experian during the dispute process, the letter categorically states " XXXX has NO APPLICATION/CONTRACT ON FILE FOR THE ALLEDGED ACCOUNT ''. 
Therefor this alleged account DOES NOT ARISE FROM A CONSUMER CONTRACT PER THE FCRA. 
Experian has blatantly continued to violated 15 US 1681 of the FCRA and should sanctioned

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 2019-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
I use XXXX XXXX for my bank and I feel I'm being taking advantage of with all the overdraft fees I'm charged every month. I feel some transactions get stuck in pending, and when a certain day hits they just slam my account with overdraft fees. I can understand that if I overdraft one fee hitting my account, but the way they are charging me I can overdraft by {$40.00} and they will hit me with 4 overdraft fees making my account negative over {$150.00}. This seems to happen every month. I have contacted them numerous times threatening to close my account, but they will not work with me on getting my fees back. I deposit {$1500.00} every month and I feel like I'm a good customer being taken advantage of. I can attach my bank statements to show an example. I am going to change banks but this has been difficult because this is a government account that I use for my son 's social security. So really they are taking money from my son 's account. Any help would be greatly appreciated. Thanks

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 2019-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
On XX/XX/XXXX I wrote a letter to Hunt & Henriques who is apparently working for XXXX ( XXXX credit card ). They had previously sent a letter to me stating I owe {$5500.00}. In my letter to them I requested validity of this alleged debt as well as I stated all documentation sent to my current home address was not valid in XXXX/XXXX because I was not in this home due to a court order. Any information they suggested they sent to me during this time, I never received. Plus due to much desolation, I was prescribed a few XXXX medications and was not myself. So ... I want all the information validated. Well, I received a letter back from Hunt & Henriques stating a bunch of mumbo jumbo legal stuff trying to confuse me stating " XXXX is not a debt collector under federal law. '' And XXXX need not validate the debt. '' And " XXXX is a debt collector under Ca law. '' Then XXXX is expressly exempts original creditors such as XXXX from any validation of requirement. '' At the end of the letter They state " Notwihstanding that XXXX is not required to validate under either federal or state law and that a debtor in NOT AUTHORIZED to request any particular documents as verification or validation of the debt. '' WHAT?? They said I have no authority to ask for validation. I thought it was part of their job. I am disgusted with Hunt & Henriques. They claim to be a law firm ... but I dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: MI

Complaint narrative:
my credit card number was used to make purchases by someone I do not know. I contacted the credit card company to report the fraud situation. they closed the card and a new one was to be issued. I specifically asked if the new card would continue with the info from the original card ( years of ownership and number of months of good payments ) and I was told yes. 
the new card was issued and I made a charge and a payment. at first the credit bureau was showing the card as closed. now they are showing it as REMOVED. this dropped my score! I have sent numerous secured messages to the credit card company about both issues and also many phone calls. Now the credit bureau is showing an inquiry made by the credit card company. I DID NOT authorize the hard inquiry. I contacted the credit card company again about this. nothing has been done except for getting robo emails from the credit card company.! want the hard inquiry removed and a written letter confirming this has been done. Since I have a fraud alert in place with all 3 bureaus I have no idea how the credit card company was able to do this. I want their fraud alert access procedure investigated.2. I want the replacement card to show the 49+months of excellent payment history and the correct payment amounts on my credit report .3. I want the credit card that was removed from from my credit report to be reinstated on my report with the accurate info ( see number 1 ) this has been going on for several months and has been very time consuming on my part.

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 2019-09-01 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: MI

Complaint narrative:
my credit card number was used to make purchases by someone I do not know. I contacted the credit card company to report the fraud situation. they closed the card and a new one was to be issued. I specifically asked if the new card would continue with the info from the original card ( years of ownership and number of months of good payments ) and I was told yes. 
the new card was issued and I made a charge and a payment. at first the credit bureau was showing the card as closed. now they are showing it as REMOVED. this dropped my score! I have sent numerous secured messages to the credit card company about both issues and also many phone calls. Now the credit bureau is showing an inquiry made by the credit card company. I DID NOT authorize the hard inquiry. I contacted the credit card company again about this. nothing has been done except for getting robo emails from the credit card company.! want the hard inquiry removed and a written letter confirming this has been done. Since I have a fraud alert in place with all 3 bureaus I have no idea how the credit card company was able to do this. I want their fraud alert access procedure investigated.2. I want the replacement card to show the 49+months of excellent payment history and the correct payment amounts on my credit report .3. I want the credit card that was removed from from my credit report to be reinstated on my report with the accurate info ( see number 1 ) this has been going on for several months and has been very time consuming on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Around XX/XX/2019, I noticed fraudulent orders on my account amounting to $ 77+ in pizza. I called Wells Fargo and was informed they would investigate and order me a new card. The very next day 26+ unauthorized transactions appeared on my account. Alarmed, I informed Wells Fargo again about the egregious acts. They again informed me that they would take care of it. 

Now I can't make sense of what I owe and what was fraud. They use an accounting-esque system that uses debit and credits much like accountants. The adjustments they note don't even list the reasoning for it. This is absurd and until Wells Fargo returns my funds, I will be out {$340.00}. I live and reside in the XXXX/XXXX area. How charges in other states went unnoticed is just absurd. Everyone in compliance should be fired.

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 2019-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Western-Shamrock Corporation
State: MA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: NY

Complaint narrative:
I sent you a letter notifying you of improper information appearing in my credit report in violation of FACTA. This letter was sent to you by certified mail, return receipt requested, and was received by you. 
Your failure to respond to my demand for correction of my credit report within 30 days is a violation of FACTA. If I do not receive an appropriate response to my original demand letter within 10 days of the date of this letter, I may, without further notice, report your failure to abide by FACTA to the Federal Trade Commission or take other appropriate action. Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accor- dance with the provisions of FACTA , I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/ XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ACCOUNTS : XXXX I also hereby request, in accordance with the provisions of FACTA , that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an infor- mation block has been requested.

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 2019-09-01 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: U.S. BANCORP
State: MN

Complaint narrative:
1 ) Elan has been conducting predatory lending practices. Allowed spending to go well beyond the limit, then started penalizing with fees, higher interest rates for being over-the-limit and for being unable to pay the high minimum payment. The resulting interest rates were exorbitant, usury and gouging. 

2 ) Charing late fees when the payment was received on-time, however I was unable to pay the full minimum due, even though 2/3 of the minimum was interest. 

3 ) The total owed as part of the XX/XX/2019 hardship arrangement contains high interest charges for the past several years, which was based on incorrect information provided by XXXX. I have been unable to reach anyone at XXXX to help correct the information. When addressing the issue with Elan, they refused to work with me until I mention that I was filing a report with CFPB.

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 2019-09-01 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My old mortgage with Chase is still showing delinquent as it shouldnt, that account has been closed and dealt with. I would like it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: NY

Complaint narrative:
I sent you a letter notifying you of improper information appearing in my credit report in violation of FACTA. This letter was sent to you by certified mail, return receipt requested, and was received by you. 
Your failure to respond to my demand for correction of my credit report within 30 days is a violation of FACTA. If I do not receive an appropriate response to my original demand letter within 10 days of the date of this letter, I may, without further notice, report your failure to abide by FACTA to the Federal Trade Commission or take other appropriate action. Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accor- dance with the provisions of FACTA , I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ACCOUNTS : XXXX I also hereby request, in accordance with the provisions of FACTA , that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an infor- mation block has been requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
The cfpb case is cross-referenced with a previous solved case one XXXX - XXXX on XXXX of 2019 I submitted a cfpb complaint on American Express serve. in reference to card account number ending in XXXX which is currently closed. 

After filing the cfpb case I received correspondence through cfpb on XX/XX/2019 from the customer advocate services team of Amex serve services XXXX XXXX XXXX Utah. 

the letter I received after the cfpb case was closed to the previous cfpb case response from American Express serve as a reference letter number of XXXX. 

OnSunday XX/XX/2019 I called American Express serve customer service for three reasons to get print out statements for all XXXX cards closed and to verify that the open card was active. 

I also asked about a dispute but it's past the three-month deadline to dispute an item on the statement from American Express they suggested I file a complaint with the cfpb about getting a reimbursement on a fraudulent charge on my American Express statement I can supply the statement attached to this complaint twisting the fraudulent charge it wasn't XXXX XXXX use XXXX to access my XXXX to fraudulently steel XXXX.. 

it's past the deadline to dispute the transaction with American Express but I will follow the link this complaint follow up with a XXXX complaint asking for reimbursement from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Made a principal payment on my loan ( {$500.00} ) to be effective XX/XX/2019. Freedom Mortgage put the funds into an " unapplied '' account and did nothing with the funds until XX/XX/2019 XXXX the date my regular mortgage payment for XXXX went through ). 

Sent Freedom Mortgage a fax about this ( as they don't take questions about things like this over the phone ) on XX/XX/2019. Asked Freedom Mortgage to adjust the principal payment date to XX/XX/2019. Got a response, dated XX/XX/2019, which agreed with my assessment that the principal had not been applied correctly, and then stated that I should have written a more specific note on what to do with the funds on my check. This is very strange as I called in the mortgage payment and made it over the phone with a Freedom Mortgage employee. 

So, Freedom Mortgage implied that they were confused about the payment date for a spurious reason and then did not offer any resolution. Freedom Mortgage simply took several weeks to send me a letter informing me that they agreed with my assessment of what happened -- and then made no offer to do anything about it.

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 2019-09-01 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: MN

Complaint narrative:
XXXX XXXX XXXX decreased my credit limit, and significantly increased my interest rate, based on incorrect information obtained from TransUnion. This resulted in it being impossible for me to meet the minimum monthly payment due. I tried to contact TransUnion to determine the source of this incorrect information and was unable to reach anyone. I tried multiple times and was unable to reach any live person. As a result, this credit agency is impacting my financial status and I am unable to reach anyone to have it corrected. This seems like a violation of the Fair Credit Reporting Act.

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 2019-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EMG ACQUISITION GROUP, LLC
State: NV

Complaint narrative:
The Lender : Minute Loan center XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX I borrowed {$200.00} from them on XX/XX/19 and was told to pay them back {$150.00} on XX/XX/19 and XX/XX/19. The APR was 428.994  % ( excuse me ). After paying two payments of {$150.00} successfully, I owed a final payment of {$130.00}. EMG Minute loan withdrew {$310.00} from my Account on XX/XX/19. I called them to hear from them that this would be THE LAST payment because they have been paid 3 times over the original loan. They did not answer and hung. Up the office phone several times. Unfair to the Borrowers who are being swindled for their benefit. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation