vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018, I received a Visa/Debit card by mail. It is identified as being a XXXX Spending Account Card. The paperwork shows the card to have been issued by UMB Bank. This card was not requested, not wanted, and I had no knowledge of his account before the card arrived by mail. 

On XX/XX/2018, I called UMB Bank at the number provided, XXXX. They refused to provide any assistance unless I give my full Social Security Number. Already suspecting fraud, I did not give any part of my SSN but insisted that they find the account by my name or the credit card number. They declined to offer further assistance, but said the account must have been opened by my current of previous employer. My current employer confirmed that they had no part in it, and its been 18 months since I worked for my previous employer. 

On XX/XX/2018, I called UMB Bank again and spoke to XXXX. He refused to provide any information about the account, but suggested that I call XXXX. When I called the number suggested, I spoke to XXXX who said that she was with XXXX, the payroll company. When I explained the situation, she immediately assumed that I would not want to give my SSN and she found the account by my name. But she had no information about why the account was opened, except that it appeared to her to be a spending account, perhaps an XXXX. ( Ive never had an XXXX account. ) Still, she could not say who requested or authorized the account to be opened in my name. 

My credit reports have been frozen with each of the three credit agencies since before this card arrived. In the meantime, I have an unwanted card opened in my name with no explanation and no ability to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I recently opened an XXXX  checking account and linked XXXX  consumer credit card with HSBC NA in XX/XX/2018. After making several charges on the card, any further transactions were declined as of XX/XX/2018. Since then, I have not been able to use the card OR access my online checking account. I have called repeatedly to HSBC and have been transferred to the security team ( XXXX ). This line simply puts me on hold for 2 hours and then disconnects the call EVERY SINGLE TIME with no one picking up. I have been calling every single weekday since XXXX, starting at XXXX EST, which is the opening time. I have NEVER had my call answered despite repeating this an average of 3 times a day. After being on hold for 2 hours, the line disconnects. If I try to call by the end of the day, I am placed on hold and then disconnected as of XXXX EST. Whenever I talk to anyone else at HSBC, they state that no one else can fix my problem and that is the only department that is authorized to handle this issue. They refuse to help and state that there is no supervisor, managing office, or alternate means of contact to resolve my issue. I am basically cut off completely from my checking deposits and credit card use. I have tried multiple other phone lines and twitter help. I have not had anyone attempt to call, e-mail, or text me for verifying fraud on my account, as is listed on the HSBC website. This is simply unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: MD

Complaint narrative:
I have been paying this loan for more than a year and the principal has not changed. I borrowed {$2000.00} and have paid {$4600.00} into this loan to date. 
When I called about this, the company said I could increase my payments if I wanted to pay it off faster. The company keeps changing the amount deducted, reducing it so that no principle is paid, just interest fees.

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 2018-12-20 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has placed a block on my credit report making it unavailable for verification. I have faxed over and mailed my State ID and Social Security number and it has still not been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I would like to request my personal information to be updated correctly. I choose to opt-out of all pre approved credit card ads and insurance promotional screenings. 
My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. I am Self Employed Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA 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 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I would like to request my personal information to be updated correctly. I choose to opt-out of all pre approved credit card ads and insurance promotional screenings. 
My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. I am XXXX XXXX   Owner of XXXX XXXX XXXX XXXX XXXX  My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA 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 non-monetary relief
Consumer complaint received 2018-12-20 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: NJ

Complaint narrative:
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT ONLINE COLLECTIONS Account # XXXX Contact Information : XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX   Account # XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF 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 2018-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: OK

Complaint narrative:
on XX/XX/18 XXXX  XXXX pulled funds from my bank card they did not have permission to pull from. I contacted XXXX with the collections dept and informed her and they stated they would refund the card and that she would be in touch with me after the refund took place to set the future payment plan. On XX/XX/18 i received a call from her stating a payment needs to be made today as my pay date is tomorrow. I told her whoa you just contacted me and want a payment. She stated i called you on XX/XX/18 and you didnt return my call. I stated ok you never left a message and im not going to awnser a number i dont know. She said well the phone works both ways XXXX so dont come at me like that. She said hold on im gon na send you to the general manager. I forgot his name but he was rude. Stated he would send this to my bank as a fraudulent transaction. He stated he would require payment now and he wasnt going to play games with me and this will be handled man to man. He was one of the rudest people i have ever encountered on a collection call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied to Capital One XXXX  card and got denied. My credit score is a XXXX. I assumed I had a fair chance. Please help me understand why I was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: First Data Corporation
State: FL

Complaint narrative:
In regards to : First Data Corporation ; XXXX XXXX XXXX XXXX, XXXX is a registered ISO of XXXX XXXX XXXX, XXXX, XXXX, CA ; XXXX XXXX XXXX, XXXX XXXX, NY ; and XXXX XXXX, XXXX, AL. Review First Datas Legal Policy. 

This company processes the credit card payments for all of my customers. I have a dance school and I charge my customers monthly per their classes. It has been over one month that First Data Corp has frozen my money in which they now have explained there was a red flag payments they collected and wanted an explanation. In which I explained to the lady named XXXX XXXX that my students/customers leave their cards on file in which we have authorization in writing from each of them authorizing each charge and to leave their cards on file. First Data Corp has told me that their affiliated/referred company which is the software company that I use has registered my account as not allowing for credit cards to be hold on file. 

I need for someone to please investigate this issue because all they tell me is that their company is the biggest in the country for credit card processing but half of the time they don't give me a correct explanation. I have around {$8000.00} - {$9000.00} frozen and have to use my savings account to make sure my XXXX  can get paid this month. 

This is very frustrating as I am a XXXX  XXXX XXXX XXXX that I have to deal with this credit card processing company not trying to solve or work with what needs to be done so I can have my money that my XXXX paid me.

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 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I check my pnc XXXX XXXX checking account on XX/XX/2018, then I found out there are 2 of XXXX dollar unauthorized ach transfer from my account to a unheard of ( XXXX  XXXX company which I found out from the pnc representative ). And I call the XXXX XXXX company it was XXXX XXXX phone number and no one answers, obviously it is a fraud. Now, pnc doesn't want to take responsible for it, and tell me to wait 10 business dates for the dispute. When I call again on XX/XX/2018, pnc trys to tell me any corporation ach transfer has to report with 24 hrs in order to dispute. This is so XXXX, my hard earning money of XXXX just disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
On XXXX XXXX I sent {$140.00} to a ministry in XXXX for XXXX donation. 
The Western Union in XXXX were not operating hence, receiver told me to cancel the western union transfer and resend the money another means. 
I called western union today XX/XX/18 to cancel the transaction at the XXXX XXXX location on XXXX XXXX, PA.I spoke to 5 different western union representatives to cancel and receive the fund.None of the representatives were able to generate transaction number i needed according to the cashier at the XXXX XXXX location for the refund.I left the location frustrated and warned them that I'm escalating the unacceptable behavior to various organizations. 
I need western union to refund my money plus fees {$150.00} as soon as possible. 
FYI Tracking # for the transaction XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: NV

Complaint narrative:
I pulled up my credit report and saw all of these unauthorized inquiries. I did not apply for employment with an of these organization nor did I request credit from any of these organization. Please Remove from my report. 


XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XXXX  XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 2018

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 2018-12-20 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: NJ

Complaint narrative:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION  COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of  the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX Account # XXXX Contact Information : XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
transunion, XXXX and XXXX showing inaccurate information

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 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, equifax and XXXX showing inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX  and Experian showing inaccurate information

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 2018-12-20 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: NV

Complaint narrative:
I pulled up my credit report and saw all of these unauthorized inquiries. I did not apply for employment with an of these organization nor did I request credit from any of these organization. Please Remove from my report. 


XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXXXX/XX/2018XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX  XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: NV

Complaint narrative:
I pulled up my credit report and saw all of these unauthorized inquiries. I did not apply for employment with an of these organization nor did I request credit from any of these organization. Please Remove from my report. 


XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX   XXXX XX/XX/2018XXXX XXXXXX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXXXX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018

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 2018-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have been battling with US BANK HOME MORTGAGE for months to get the situation settled. Finally I was able to get my PMI removed after paying for an appraisal and a BPO, but now I have found out that I can not remove Escrow for the life of the loan without paying a penalty. The representative stated that Escrow was required to obtain the interest rate that I was given. I have never heard of a rate being contingent on Escrow nor do I recall agreeing to that during the application process or at closing. 

I submitted paperwork for the BPO over 7 weeks ago which included a request to remove PMI & Escrow. PMI was removed but no communication was received for the Escrow. I had called 3 times to inquire with no answers other than it was still in process. Finally on my last attempt I was told Escrow was tied for the life of the loan.

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