vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: MD

Complaint narrative:
I am writing to report fraudulent use of a {$200.00} prepaid MasterCard card I purchased in fall XXXX. It was issued by U.S. Bank. I took the card out of the original packaging on XX/XX/XXXX and went to use it for the first time at XXXX XXXX, but was only able to use {$4.00} of the {$200.00} value. When I got home and looked online at XXXX, I could see that it had been fraudulently registered online to someone in California, who {$190.00} charged last XX/XX/XXXX to a merchant I do not recognize. 

I called the customer service number on the packaging on XX/XX/XXXX, and was told that they had notes on their system from last fall indicating suspicion of a fraudulent registration due to an unusual phone call at that time. They said that I would need to FAX them a copy of my drivers license, the front and back of the card, and the purchase receipt in order to move forward with resolving the issue. I explained that I no longer had the receipt, and they told me to send in what I had. However, they could make no assurances that this would be sufficient to have my stolen funds restored, provide a case number or direct contact number or email for those at their institution who would be dealing with this issue, or give me a general timeline for resolution of the issue. 

I will FAX them the driver license and card image as they requested, but because they can provide no assurances that this will restore my funds I am also filing this complaint. As directed on your site, I am not providing my name or the card number here.

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 2019-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Something does not seem right with the amount I paid for my home the loan amount vs the selling price. I was billed around XXXX XXXX, 2012 for my home but I checked XXXX to see what houses are selling for in my area an it said my house last sold for {$190000.00}. I feel the realtor fudge the numbers ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XXXX XXXX ( XXXX  ) markets a XXXX through Barclays Bank that advertises free checked baggage. There are multiple restrictions and loopholes that effectively voids this benefit. Ive tried to resolve this issue with XXXX  and they refer to the fine print. XXXX & Barclays fraudulently advertise a benefit that is not available except under very specific conditions resulting in consumer fraud.

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 2019-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
LexisNexis Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with LexisNexis and the 3 credit  bureaus and it came back verified. I wrote a dispute letter to LexisNexis and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: UT

Complaint narrative:
" NEW ISSUE '' Experian and XXXX  XXXX, WY continue to report an account that was opened in my name without my permission. Additionally this was a result of fraud and identify theft. I have disputed this account to be removed. Police report is your responsibility to retrieve and investigate. Continue to report this account is a major violation.

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 2019-10-07 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: Credit Bureau of Carbon County
State: UT

Complaint narrative:
" NEW ISSUE '' XXXX  and COLLECTION CENTER, WY continue to report an account that was opened in my name without my permission. Additionally this was a result of fraud and identify theft. I have disputed this account to be removed. Police report is your responsibility to retrieve and investigate. Continue to report this account is a major violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with XXXX and the 3 credit bureaus and it came back verified. I wrote a dispute letter to XXXX and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item is being reported accurately.

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 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with XXXX and the 3 credit  bureaus and it came back verified. I wrote a dispute letter to XXXX and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I received an offer from American Express yet when I applied, I was NEGLIGENTLY denied. Their so called reasons were ERRONEOUS. Not only do I make SUBSTANTIAL income ( ironically more than most at American Express ),  my FICO score of XXXX NOT XXXX ( it is now due to American Express inquiry lowering it by 8 points ) is beyond acceptable for acquiring a credit card. I know others who received American Express cards with less than half my income and a worse credit score. Please explain that to me! 

Furthermore, my Financial Consultant who is handling my credit reports verified there are NO derogatory public record and ALL current accounts are paid as agreed. He verified that any past delinquencies and any collections are erroneous since I had auto paid and insurance. Therefore, if stated other wise, there is EGRIGOUS NEGLIGENCE on XXXX. 

In addition, please be advised, as it should be stated on my credit report, the serious delinquency American Express is trying to use as an EXCUSE is my mortgage. I was involved in a fraudulent Mortgage Company. When I refinanced my mortgage, thousands of monies paid were never applied to my mortgage thus the supposed delinquency As such, I am currently suing XXXX and XXXX XXXX XXXX. Hope, FHA and the FTC are aware of this scam. 

If my qualifications were not up to their standards then why did American Express give me an offer to apply? As such, my XXXXredit score decreased by 8 POINTS!! Obviously, I would of never of applied if I did not receive the offer to apply. This type of behavior is a shady manipulation at least. I found out after the fact that American Express is known for trapping people to apply who are expecting to be approved only to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: Continental Finance Company, LLC
State: VA

Complaint narrative:
I received a credit monitoring alert a little after XXXX EST on XX/XX/XXXX, stating that a lender requested a copy of my credit file. When I logged into my XXXX  and XXXX XXXX  portal, it was clear that Continental Fin Co had in fact pulled my credit without my authorization. I have not applied for any products with this merchant. Furthermore, the address that the consumer provided to XXXX is an address that is over five years old that I have not occupied since 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 2019-10-07 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: NY

Complaint narrative:
The following companies gained access to my credit report which was not permissible : XXXX XXXX Inquiry Date : XX/XX/2019 XXXX XXXX XXXX Inquiry Date : XX/XX/2019 XXXX  XXXX Inquiry Date : XX/XX/2019 XXXX  XXXX Inquiry Date : XX/XX/2019 XXXX/XXXX Inquiry Date : XX/XX/2019 XXXX XXXX Inquiry Date : XX/XX/2019 I have contacted Experian to have these inquiries investigated on numerous occassions to no avail. Please assist me in this effort.

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 2019-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I recieved a letter from what appears to be a law office in XXXX, Ca. They are threatening to file a form 1099-C against my XXXX taxes. The debt that they are claiming is not owed and is dated XX/XX/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 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted Equifax on numerous occasions to have the following inquiries removed from my credit report as they were not made by me : 1. XXXX  XXXX XXXX   Inquiry Date : XX/XX/2019 2. XXXX XXXX Inquiry Date : XX/XX/2019 3. XXXX XXXX Inquiry Date : XX/XX/2019 4. XXXX XXXX Inquiry Date : XX/XX/2019 Please assist me in having these removed. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: AL

Complaint narrative:
This is an attempt to correct my Equifax, XXXX, and XXXX credit report ( s ).  I have identified fraudulent accounts and inquiries. Please block the listed accounts. 

Accounts : XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX Inquries : XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the accounts listed to be permanently removed and block from my credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have money on deposit with Chase Bank. It is my money. I tried today to schedule a valid payment of {$600.00}. Chase accepted the transaction but delayed it pending " review. '' No other explanation was provided. I waited a reasonable time ( 12 hours ) then contacted Chase. My first call was put on hold 5 minutes when I got a recording saying they were too busy to answer, and I should call another number.. 

Then I called a customer service number. they said they would not help but would transfer me to XXXX. 

I called that number and was on hold 30 minutes. 

Meanwhile I tried the website again, and when I tried to log on, I received the following message : " Important : We locked your account to protect it from suspicious activity. 
To unlock it, call XXXX. 



After waiting on hold for 30 minutes, " XXXX '' answered and asked me personal questions about my transaction that were none of her business. Nevertheless I answered her questions. She put me on hold again, and returned and said she would not help me. I insisted on an explanation, and she refused. 

This is not just bad service it is theft! The minimum a customer should be able to expect from a bank is that if the customer deposits good money, he should be able to draw it out when he wants. Even if the bank has no sense of ethics, there must be some regulation that requires that they not obstruct my transactions and confiscate my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: AL

Complaint narrative:
This is an attempt to correct my XXXX, XXXX, and Transunion credit report ( s ).  I have identified fraudulent accounts and inquiries. Please block the listed accounts. 

Accounts : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Inquries : XXXX/ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the accounts listed to be permanently removed and block from my credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights.

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 2019-10-07 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: AL

Complaint narrative:
This is an attempt to correct my XXXX, Experian, and XXXX credit report ( s ).  I have identified fraudulent accounts and inquiries. Please block the listed accounts. 

Accounts : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Inquries : XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the accounts listed to be permanently removed and block from my credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights.

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 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Acceptance Rentals, Inc.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ACCEPTANCE RENTALS, has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I acknowledge that I fell behind in my mortgage payments do to family problems and I have sent a hardship letter providing the details. I also stated that the death of my father has ended this hardship for good. I explained that my mother was in a situation where although she was divorced from my father and him and I had no contact, my mother felt this unnatural responsibility to him. 
I have also stated that although I fell behind in mortgage payments I have not allowed the home/property to go into collapse. I have placed new windows, a new roof, removed a large leaning tree and also had a heating system upgraded. I have also told my service provider that I have {$40000.00}, that i can use as a down payment for a modification. Unfortunately my service provider has sent me an agreement which although I make monthly payments, the payments are over {$4000.00}. a month with a balloon payment of over {$190.00}. by XX/XX/2020. 
This to me seems to be the opposite of a company that wants to work honestly and fairly and I am begging that I be allowed to remain in my home, along with my XXXX year old mother and my husband. thank you

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