vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-21 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: CA

Complaint narrative:
A fraudulent account from XXXX XXXX is reporting on my credit. I did not live in the State of California in the year 2018. I live in the State of Louisiana. My address at the time this account was open was : XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account 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 2020-03-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX open on XX/XX/395 & And XXXX XXXX XXXX XXXX XXXX. XXXX . Open on XX/XX/19 With the corona crisis I cant support my family with this negative info on 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 2020-03-21 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One reported me 30 days late despite the fact that every month I had auto pay in place and payments were being deducted from my checking account monthly. However capital one increased my minimum payment by XXXX dollars but failed to properly notify me. They had an incorrect email address on file. It was only after I received a letter from them of the issue, Is when I was made aware of the situation. After which I immediately called Capital One and disputed the charges. However I promptly paid all past due amounts in order so that my credit would not be affected. 
My subsequent formal filing of a dispute with Capital One did not resolve the problem. They denied my dispute and no explanation was given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX open on XX/XX/XXXX  XXXX & And XXXX  XXXX XXXX XXXX XXXX. XXXX . Open on XX/XX/19 With the corona crisis I cant support my family with this negative info on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: ME

Complaint narrative:
I was never notified of this debt in writing or by phone call from the debt collector. I discovered the account on my credit report and had no opportunity to resolve the matter before suffering negative consequences of a collections account on my credit report. The debt collection agency has never contacted me to discuss this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi has sent my home equity line to XXXX for servicing. And now my balance is displaying incorrectly on Citis web site and mobile app. As of XX/XX/ it shows a balance of {$140000.00} whereas the correct balance - as displayed on XXXX web site, is {$99000.00}. 

Im sure this discrepancy is causing a lot of confusion and stress to Citis customers. I would like this issue fixed for myself and all other customers and some goodwill compensation for having to be the one to point this out to the company.

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 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX I filed a Chapter XXXX bankruptcy for 36/60 months. I canceled my service with XXXX and returned all the equipment back to them. Since the cancelation, I have received a collection notice from numerous collection agencies and each time I dispute and verified that I am in Chapter XXXX and returned all leased equipment ( I still have my original Drop-off package receipt from returning the equipment. ) In XX/XX/XXXX a new creditor named Diversified Adjustment Service , Inc. reported {$1100.00} on my credit report without any notification of an attempt to collect. XXXX received its equipment and sold this debt before verifying, that debt collector verified but still sold the debt and now we have this collection agency purchasing a fake debt and instead of verifying just put a derogatory marks on my credit report ; while I'm still in Chapter XXXX bankruptcy. I would like to be clear, the amount is for the leased equipment and not for early termination. I open the account with a XXXX in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I had previously reported these as fraud : XX/XX/XXXX. XXXX XXXX XXXX. {$1500.00} XX/XX/XXXX XXXX. {$120.00} XX/XX/XXXX. XXXX. {$75.00} XX/XX/XXXX. XXXX. {$100.00} XX/XX/XXXX. XXXX. {$230.00} XX/XX/XXXX. XXXX XXXX. {$82.00} XX/XX/XXXX. XXXX. {$24.00} XX/XX/XXXX. XXXX. {$75.00} XX/XX/XXXX XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX. XXXX XXXX {$60.00} XX/XX/XXXX XXXX XXXX {$94.00} XX/XX/XXXX. XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX. {$77.00} XX/XX/XXXX. XXXX XXXX. {$88.00} Total : {$2700.00}

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 2020-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I am being blocked from accessing my usaa checking account after I reported my bank earlier this month to the fob for stealing a funds transfer, from an external bank into my usaa account. Several weeks after reporting to the cfpb, usaa blocked me from online and telephone access. They provided a number for me to call and they never picked up intentionally. They locked me out of my account after stealing my money. Here is proof attached. 
I have money in my account that I transferred in and when I swipe my debit card it does not work. They are blocking me from the money I transferred in and stole it and locked me out from accessing the account, Through the debit card online and by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
Dovenmuehle mortgage had taken out XXXX today out of my escrow account stating for Hazard insurance. When they last paid my hazard insurance on XX/XX/2019 for XXXX the full balance. I thought maybe there paying this in increments? But the amount that was taken doesnt even make sense. I demand to know where you sent MY escrow money and why this was even done when we had just paid the full amount 4 moths ago! Are you attempting to place us in negative escrow balance again to raise our monthly payments like you have already done?! Our taxes are due soon and we wont have enough for them due to this!! Escrow fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XX/XX/20. I called M & T bank to get the 90 day mortgage relief program announced by governor due to Coronavirus and they refuse to help they said that not able to help

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 2020-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Because the coronavirus has not worked for three weeks and has no desire to spend, I did not check the balance of the bank account. I accidentally found that the bank fined {$34.00} for an overdraft of {$8.00} again. I am very angry. The government departments have already said To postpone collection of these fees during this difficult period. But the banks still do so. This is against humanitarianism and illegal. Please exercise strict supervision on the banks and return the fines.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently went to XXXX XXXX XXXX XXXX as my mother wanted to add me as a beneficiary on her checking account. The representative we worked with successfully added me to the account. However, when I returned home, I received an alert from Experian saying that I had a hard credit inquiry from XXXX XXXX XXXX XXXX. We were never told that XXXX XXXX XXXX XXXX would run a credit check on me, and also were not even aware that this was part of the process. The representative at XXXX XXXX XXXX XXXX we worked with made no absolutely reference to this at any point and I never was asked or consented. I have set up checking accounts at other banks and a credit check was never run. I called XXXX XXXX XXXX XXXX several days later and they indicated that it was part of their process, but again, they never indicated to us that they were running it and I would have refused this.

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 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Seven years ago after refinancing my mortgage with USBank they promoted a company called XXXX XXXX who would pull half payments out of my account on the XXXX and XXXX of the month which would shorten the amortization of my mortgage. XXXX XXXX was acquired last year by a company out of XXXX XXXX called XXXX XXXX. 

It has come to my attention that XXXX XXXX  is indeed pulling half payments routinely out of my account on the XXXX and XXXX of each month, however they are only remitting a full payment to USBank once each month, not twice as I was promised. I also received from USBank on XX/XX/2020 a monthly statement from USBank indicating my XX/XX/2020 payment had not been paid and as of XX/XX/2020 I owed two payments. After contacting XXXX XXXX this week they shared with me payments are routinely remitted to USBank between the XXXX-XXXX of the month. 

So not only is XXXX  XXXX not making two half payments to USBank each month, they are collecting full payments and sending them to USBank beyond the XXXX of the month due date. Both are serious issues the could involve thousands of consumers. When I contacted USBank about this they took no responsibility about the program or it's shortcomings even though they promoted this to me. My mortgage balance is higher than it should be due to both of the payments issues, again as is perhaps thousands of mortgages across the country. Finally, XXXX  XXXX  is charging me {$270.00} for each of the two ACH withdrawals they make monthly out of my account, only to then make the payment late to USBank on my behalf.

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 2020-03-21 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: NY

Complaint narrative:
Ive disputed incorrect derogatory remarks on my credit file. Ive mailed out disputes certified mail to rectify the problem. It is now 30 days since i mailed out my letters and i havent recieved physical written proof my matter was investigated

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 2020-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: NJ

Complaint narrative:
The debt was discharged and remove from my credit report after correcting the situation with XXXX XXXX. The account is over 7 years, the car was auction off and debt was settled. This company is reporting {$21000.00} the cost of the car, making the amount owed wrong. I have disputed this with the credit bureau 's it was removed and placed back on my account, ow they won't let me dispute it again. I don't have a complete account number. The company never contacted me, the debt just show up on my report. : XXXX XXXX Deville Assest Management XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Acct XXXX Report # XXXX I have worked hard to keep my credit in good standing, I tried to apply for a loan, turned down because of this. Also, this is how I found out they were on my report. Please help me solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Im customer a chase bank! I send {$400.00} to my friend to XXXXwith  XXXX The money went a totally different phone # I lost my money I went to my local chase bank on XXXX XXXX in XXXX XXXX XXXX I filed a complete and they tell me to give them 7 or 10 business days and 15 business days I call chase and the answer I got Im sorry you lost your $ XXXXdollars. I went back to chase on XXXX XXXX in XXXX XXXX! Same answer Sorry nothing I cant do you lost yours {$400.00} dollar!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: OK

Complaint narrative:
On Friday, XX/XX/XXXX, I logged into Discover Cards site and attempted to send a message to customer support regarding payment options after my layoff during the COVID-19 crisis. Accessing the Secure Inbox, I attempted to follow the prompts and select options to access relief but received the following message. 

Hold that thought! Sorry, we're unable to receive messages at the moment. Please try again later. You can also reach us via Chat or call XXXX for immediate assistance. 

Not wanting to sit on hold, I tried to find the chat function to no avail. 
I checked the mobile app but also could not find anything. At XXXX Central Time on Saturday, XX/XX/XXXX, I received an email from Discover that Important Changes to your Discover Card Account Terms Now Available. I attempted to load the link, but the URL would not load in three web browsers. Finally, I tried a fourth, which loaded a login page. After logging in, it instantly logged out. I tried the mobile app, which had a notice with a timestamp of XXXX XXXX. Sadly, selecting the notice resulted in the error that it could not load in app and to login to the website to see the notice. 

Finally, I called XXXX after XXXX on Saturday, XX/XX/XXXX. The customer service representative informed me that no new notice was issued, and that the last one was from XXXX of 2019. Because of the email and the in-app notice, I kept pressing, and ultimately, she said there was a notice increasing fees and penalties for missing payments. Due to the denial and reversal, I did not trust anything else she stated. 

The timing of the fee increases coinciding with a declared national emergency is too perfect, especially when competing banks are openly announcing relief programs for customers. Some might call it predatory. Specifically, it is as though they detected my partial attempt to communicate with customer service and placed me in a group of increased late fees to profit from my difficulties. In addition, I still can not access the notice and confirm what was relayed on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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:
The credit bureaus have been very negligent and taken longer than 30 days to investigate my original dispute was XX/XX/2020. The information On my credit reports is causing irreparable damage and none of the information has been officially verified. There are unverified names and accounts on my credit reports. I cant get approved for anything, not a car or even an apartment to live in.

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 2020-03-21 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: Selene Holdings LLC
State: OH

Complaint narrative:
Good Afternoon, Submitted Ongoing dispute : XXXX  DISPUTE # XXXX and Seline Finance in XX/XX/XXXX-XX/XX/XXXX. 
This fax is a dispute Seline Finance as they have misapplied and in error marked my payments as late on my credit report for : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Base on Supporting documents : Please see the attached XXXX XXXX  Payment activity, Electronic Check numbers, Bill Payment transactiohistories and Electronic online payments noted with an asterisks and arrow with Seline payment as proof of all payments from XXXX XXXX  Banker XXXX XXXX. 

Seline Finance : After review, please reconcile the late payments you have marked on my credit as disputed above. Note : XXXX XXXX XXXX XXXX  is now servicing my loan as of XX/XX/XXXX. 
On XX/XX/XXXX I recieved notification from XXXX  and Seline that they did not acknowledge correction on my credit. Even my bank XXXX was shocked and said they probably did not even look at the supporting documents including account payment activity transactin history and electronic check numbers. XXXX XXXX suggested a file complaint through the you, the Consumer Financial Protection Bureau. 
Thanks, XXXX XXXX Property Address XXXX XXXX XXXX XXXX Ohio. 
Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: Millco Management
State: AL

Complaint narrative:
Someone has being going to the ER using my name since XX/XX/2014. 

The police here in Alabama has just arrested the person, i contacted AmeroFinancial Solutions with all the documents they asked me to send in, which was only the Police Report. 
I called in after i submitted the police report and they informed me all of the accounts were closed. 
So i disputed the collection and they keep verifying its accurate, this company is a crook. 
Please have them remove this fraudulent medical collections from my credit report immediately!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Sent certified letters for dispute for Capital One Credit Card for charged off account that is still showing a past due balance. Asked them to fix this or remove. Company and Credit Bureaus state they investigated these accounts and that they are verified. Did this in XX/XX/2020 and XX/XX/2020. Have receipts and of certified letters From credit bureaus and date of Capital One employee emailing me back with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Associated Credit Services, Inc.
State: VA

Complaint narrative:
Associated Credit Service has placed a negative remark on my credit report on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is a utilities company in the state of New Jersey. The remark states that the account was opened in XX/XX/XXXX. I have not resided in the state of New Jersey since XX/XX/XXXX. I have not authorized anyone to open an account in my name. This was either opened fraudulently, or assigned to me incorrectly. I have disputed this with credit reporting agencies and have contacted the company but have not been able to remove this remark from my credit report.

Company response to consumer: Closed with explanation