vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: CA

Complaint narrative:
My vehicle was vandalized, my insurance company started working on the claim, and then suddenly I lost all contact with them, I wasnt getting any response from them for weeks, the next thing I hear is that my car is repossessed and that the insurance claim is denied. I am notified that it is my responsibility to bring my insurance company information or evidence proving the guilt of someone other than myself in order for them to go forward with the claim ... the police tell me to stay away from the person who did the vandalism due to a history of violently attacking my property and the XXXX XXXX he had on him due to XXXX into my XXXX  and XXXX  me. But I get notified that my finance company is now brought the balance to collections and it is ruining my credit, I am homeless already and can not afford to pay for something I did not do. So I go investigate the matter, I go back to the apartment complex and I go door to door asking everyone if they remember seeing anything, I find a witness who remembers everything perfectly and I tell my insurance company FINALLY I found the evidence that they so relentlessly needed, and after months of being told I need to do something in order for my insurance to take action and then accomplishing that task only to be told I need to do more, to finally find enough evidence, bring it to them, and now have them tell me, that even though I was insured by them at the time of the vandalism, because the vehicle is now repossessed and in the possession of the Lien holder I do not have the right to file a claim and it would be the responsibility of the lien holder to file a claim if they so chose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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 — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2021 there was a fraudulent charge on my XXXX credit card for the amount of {$4900.00}. The following day XX/XX/2021 there was a second fraudulent charge on my 5/3 Bank credit card in the amount of {$4800.00} from the same company XXXX XXXX XXXX Indiana. This is how I discovered the fraud. I received an email from 5/3 Bank stating that my credit card has been activated when I did not activate a credit card or order a replacement. I checked both credit card accounts after receiving the email and noticed the fraudulent charges. I stated to the customer service representative at 5/3 Bank that I did not activate a card or order a replacement and that I had a fraudulent charge on my account. I informed XXXX as well stating that there was a fraudulent charge on my account. XXXX and 5/3 Bank removed the unauthorized/fraudulent charges from my account. One month later 5/3 Bank informed me that I am responsible for the fraudulent charges because it was a chip card and it was used to make the purchase and proceeded to put the full balance of {$4800.00} back into my account. XXXX resolved the issue and called me to inform me of a similar situation, the customer service representative stated that it was in fact a chip card that was used to make the purchase, I informed them that 5/3 Bank stated the same thing to me and then the XXXX customer service representative stated that a phone number from Virginia called in to activate my card and I informed them I had no knowledge of that number. I am still battling with 5/3 Bank to have this resolved, I have submitted a police report to them, my XXXX bank statement showing that the fraudulent charges were reversed, I also submitted the e-mail I received stating my card was activated. I was working in the state of Illinois at the time of the fraudulent charge and I provided a pay stub and detailed payroll information of my whereabouts on the XXXX of XXXX. After speaking with a 5/3 Bank fraudulent department manager I was informed that there were in fact ( 3 ) cards with the same number in circulation, in which I only had one on me. The past six or seven months before the fraudulent charge was made on my account the only thing that credit card was used for was a reoccurring charge for XXXX. The Fraud manager at 5/3 bank informed me that the card was activated and then used for the purchase 4 minutes after activation, in which it maxed out my credit card. I researched the company name of the fraudulent charges and I can not find any legitimate information, I believe the company doesnt exist and now 5/3 is still telling me I am responsible for this payment of {$4800.00}. This needs to be rectified immediately. The case number for the above matter with fifth Third Bank is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo drop the the ball when we asked for COVID relief on my daughters car loan there system when you call will hang up after you hold for 45min It has happened to me MANY times. The bank rep a Mr.XXXX says there no record of it. I asked for proof they wont give me any!

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 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2021, 2 transactions were executed from the XXXX, XXXX business checking account which resulted in the following payments : XXXX  with XXXX XXXX to XXXX XXXX XXXX debit - {$1000.00} XXXX  with XXXX XXXX to XXXX XXXX XXXX debit - {$1200.00}. Neither transaction was authorized or approved by any personnel of XXXX, XXXX. This was reported on the same day XX/XX/2021, to chase bank as Fraudulent charges claim number XXXX. 
Chase bank subsequently conducted their own fraud investigation and declared that the 2 fraudulent transactions were authorized via finger print scan on a device. 
This is not possible as none of the authorized persons associated with the account had authorized these on any of the devices they own. Chase has subsequently paid the amounts to XXXX XXXX and withdrawing those amounts from the XXXX, XXXX Chase business checking account. On XX/XX/XXXX we received a letter from Chase declaring that the investigation determined the transactions were processed correctly or was authorized. We contacted chase bank and requested the documentation of their findings, which we have not received. A second letter was received with the same results on XX/XX/2021 and the requested information was not sent with the letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX sent information to my email, that I was being reported late on my account, XXXX Master card. i Contacted them i was told that i was 2 months late, i explained to the operator that i didnt know that it was late i thoug it was paid out, she said that they tried to call me, i responded no one called my phone. i only have one number that has been with me over 5 years its a cell phone. she said they called my home phone. i have not had a home phone in 6 years that they called some one else. after i told her that its not fair they could have mail me a letter or Email me but instead they report me to the credit reporting company i ask that they remove the information of 30 days late, since its not my fault they worked from home and not doing the job they are getting paid for. i work hard to get my credit back and they now trying to ruin it. i fell they should at least correct the wrong information on my report i paid the account balance to XXXX  before getting off the phone with her.

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 2021-04-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I already reached out to the credit bureaus and to CITI with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist 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 2021-04-22 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: IN

Complaint narrative:
Trans Union credit bureau is refusing to remove inaccurate information off my credit after being hung up on & told no.

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 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
On around XX/XX/2020 I applied for a 1st mortgage refinancing and after satisfying all requested information I was told via e mail that the company I was working with XXXX has been acquired by XXXX however my initial rate of XXXX will be honored by the new company and they will start the process with the new company name. I went along and resubmitted most of the documents twice, sometime three times. They requested additional verification to lower my principal balance and I agreed. Now they are asking me to take additional insurance to cover my personal items although my home insurance covers the constructed building including all amenities. Im a medical doctor with a very good credit and all I want to take advantage of the low rate to lower my payment. Now after nearly 4 months I will not be able to secure the 3 % rate with no points/cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN

Complaint narrative:
XXXX university sent a debt to conserve for collects. I was never fully enrolled until college. I did not meet all the requirements to be enrolled. This debt is for classes that I couldnt not take due to not being enrolled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital one is on my report as closed derogatory and its under collection through portfolio agency this account should not be affect my score double. The amounts are different on each of them. This is fraudulent activity. 
This account is on my report twice negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX  XXXX is on my report as closed derogatory and its under collection through portfolio agency this account should not be affect my score double. The amounts are different on each of them. This is fraudulent activity. 
This account is on my report twice negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : : XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: IN

Complaint narrative:
I will attach the hard inquiries Customerservice wasnt willing to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I lost my debit card XX/XX/21 and 16 transactions were withdrawn from my account within two days until Citibank finally froze the account and sent me an email XX/XX/21. I called as soon as I saw the email. {$2400.00} total. They say my pin was used and don't want to pay me back. Then they keep asking me for different things to do which take several weeks each like calling the police, getting a police report, calling different numbers, faxing the report, etc. It has been 3 months and still no results when doing everything they have asked me for.

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 monetary relief
Consumer complaint received 2021-04-22 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: IN

Complaint narrative:
XXXX XXXX credit bureau is refusing to remove inaccurate information off my credit after being hung up on & told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TX

Complaint narrative:
I submitted a dispute to EXPERIAN on XX/XX/2020 and it has never been resolved or completed. They do not allow you to view details of the dispute or contact information to inquire regarding the status and amount of time it is taking to complete. At this point, it is well beyond an acceptable amount of time to complete the investigation into my dispute.

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 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Today I received a letter notification from Midland Credit Management. They sent me a letter threatening to sue me if I did not pay a debt for {$1100.00}. The initial debt was owed to XXXX XXXX XXXX for a credit card. However, the original amount has already been reduced with XXXX XXXX. Therefore, this letter is completely uncalled for and under the nature of the debt, blatant harassment by trying to intimate me during a time when the pandemic has put everyone in a difficult financial predicament.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax will not send me my credit report. I requested it by the annual free report phone system, and Equifax sent me a letter saying I have had a free report in the last 12 months. 
This is incorrect. 
I have not received a credit report from Equifax in at least three years. Every year I try to get a report from Equifax, and I fail the questions. I suspect there is incorrect data in their report, but I can not get my report. I can not speak to them on the phone because I fail their questions. 
I locked my credit report with them ( I still have the pin ) at the time of their data breach, but I can not log on to their website because I fail their questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: NV

Complaint narrative:
There are some accounts listed on my credit report to include addresses that aren't mine and or that I have not lived at. Please remove them 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 non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Today XXXX I attempted to deposit 2 checks into my usaa checking account via the mobile app. I was shocked as for the first time ever USAA is only allowing me to deposit {$1000.00}. I called in to speak to someone wasting tons of time out of my day only to find out they did not know the reason as to why. The Represenative said that she could only raise my daily deposit limit to {$2500.00}, which is pure garbage. Additionally, USAA is now only allowing me to withdraw {$600.00} per day from my checking account, which is also pure garbage. I feel very alienated by USAA. I am requesting that the CFPB investigate this matter. I do not want USAA to call me on the phone as I am represented by an attorney. Any phone calls will result in an instant filing. In the event USAA does call me I do not want to be recorded at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
My vehicle was vandalized, my insurance company started working on the claim, and then suddenly I lost all contact with them, I wasnt getting any response from them for weeks, the next thing I hear is that my car is repossessed and that the insurance claim is denied. I am notified that it is my responsibility to bring my insurance company information or evidence proving the guilt of someone other than myself in order for them to go forward with the claim ... the police tell me to stay away from the person who did the vandalism due to a history of violently attacking my property and the assault arrest he had on him due to breaking into my house and attacking me. But I get notified that my finance company is now brought the balance to collections and it is ruining my credit, I am homeless already and can not afford to pay for something I did not do. So I go investigate the matter, I go back to the apartment complex and I go door to door asking everyone if they remember seeing anything, I find a witness who remembers everything perfectly and I tell my insurance company FINALLY I found the evidence that they so relentlessly needed, and after months of being told I need to do something in order for my insurance to take action and then accomplishing that task only to be told I need to do more, to finally find enough evidence, bring it to them, and now have them tell me, that even though I was insured by them at the time of the vandalism, because the vehicle is now repossessed and in the possession of the Lien holder I do not have the right to file a claim and it would be the responsibility of the lien holder to file a claim if they so chose.

Company response to consumer: Closed with explanation