vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: COMMERCE BANK
State: IL

Complaint narrative:
I first started a balance transfer transaction in XX/XX/XXXX in response to a solicitation from Commerce Bank that went nowhere. I have since tried half a dozen times more. After spending nearly 4 fruitless hours on the phone with various representatives, I was told my card was not valid, despite the fact that Commerce 's automatic system validated it. I was told a new card had been sent out XX/XX/XXXX, but none ever arrived. At no time did Commerce ever try to contact me, despite having all my contact information, to tell me what the problem was. I have since incurred over {$1500.00} in additional interest because of this fraudulent activity on the part of Commerce Bank and I expect to be reimbursed in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have owned a Costco visa credit card, and I was having a XXXX  emergency for an aunt who was battling the virus and later died. At the time in mid XXXX, I spent above my credit limit, but the credit card company harshly went ahead and closed my account permanently. 
I now have privacy issues with the credit card company because it has logins to my bank account together with the account balance. I find this intrusive and unheard of.

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 2020-05-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : USDOE/XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MN

Complaint narrative:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for the Savor One Capitol One credit card. I was accepted and they said they sent the card. I never received it. From XX/XX/2020 to XX/XX/2020 we went back and forth with calls because they issued me a new number but never sent another card. 3 months passed and I was never able to activate and use the card within the 3 month spend {$500.00} get {$150.00} back rewards. This is the whole reason I got the card. After calling them they said they could send another card but would not honor the cash back reward. So I closed the account. What a waste of time and a ding on my credit score for applying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: DISCOVER BANK
State: IL

Complaint narrative:
My discover card was lost/stolen in XX/XX/2020 sometime because it was used in my area so I believe it was lost in my area. I reported it to Discover in XX/XX/2020. They claim they tried to notify me by email but I dont access my email a lot. They denied my fraud case because they said previous fraud claim and was used locally and their were returns made on the account also and not usual for someone when they use a lost/stolen card. Said some of the merchants were merchants I used before. I should not be liable for unauthorized charges. If I lost it in my area then someone in the area found it and used it in my area and the returns maybe they wanted to get cash back but could not. As for the other fraud cases, well I am not responsible maybe and sorry if I lost my card before but I am still not liable for unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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:
As of today XX/XX/2020 Equifax is reporting inaccurate, misleading, Unverifiable information on my consumer reports. Under the account name : XXXX/XXXX. 

: Account currently reports inaccurate balance and credit limit a violation of FCRA rules section 1681.

: Account currently reports a payment amount of {$69.00} after Account has been closed a violation of FCRA rules section 1681. 

: Account currently reports last status update as of XX/XX/2020 but still reports multiple inaccuracies. A FCRA rules violation section 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: FL

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UMB FINANCIAL CORPORATION
State: CO

Complaint narrative:
Found out about this on my credit report. Mailed a check to the address on the credit with a letter I was unaware of the debt but would pay only if they removed. They cashed the check then sent a letter refusing to remove the debt from credit. I dont even know what this is for! I dont have a letter or statement from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: MN

Complaint narrative:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Unexpected increase in interest rate. Interest charge XX/XX/20 {$530.00}, XX/XX/20 {$32.00}, XX/XX/20 {$31.00}. 
Call company to let them know that was not aware of interest increasing.

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 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: RI

Complaint narrative:
This was the worse company I have ever worked with. It took over 2 months to refinance my home mortgage. I complained many times and never got a call back from any manager. I had to do a lot of work myself that I was paying for the company to do like getting the pay off amount from the bank and the final tax bill from the town. I asked my loan processor and originator for a phone number to call and complain and I never got one. I was not given information about the closing either. I had to ask how the money was going to be sent to the company and only after I asked was I told about the wiring requirement.

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 2020-05-12 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: FL

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: FL

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase is refusing access to safe box although following all their rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
My account with Barclay has been paid off less the amount of {$15.00}, a payment has posted as of today, XX/XX/XXXX, bring the account to this balance. This amount is in dispute, a NSF fee which will not be paid. As stated in numerous past CFPB complaints, I was unaware Barclay resubmits payments for processing, if returned the first attempt. on XX/XX/XXXX a payment in the amount of {$50.00} was returned after second attempt ... ... I made a replacement payment which did in fact clear, contrary to what a XXXX XXXX claims. Had I known Barclay resubmits payments, I would not have made a replacement payment. XXXX left her number to reach out in prior CFPB replies, a total of three messages left, not one returned. As stated above, this amount, {$15.00}, will not be paid ... Should account sent to collections agency, the issue will be explained and more than likely, account referred back to Barclay. I am sure any reasonable person, unlike XXXX, will see fee is not valid and will cease and desist.

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 2020-05-12 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: IL

Complaint narrative:
equifax is refusing to allow me to get my annual free credit report i have called and talked to rep and tried online with no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: MS

Complaint narrative:
XX/XX/XXXX, my daughter totaled her XXXX XXXX XXXX. XXXX XXXX made a payment to XXXX XXXX XXXX dated XXXX XXXX for {$13000.00} ( paper ). XXXX XXXX issued a second payment to XXXX XXXX XXXX XXXX dated XXXX XXXX for {$740.00} ( electronic ). The payment for {$720.00} was for extended warranty cancellation due to total loss. A payment was issued to XXXX XXXX XXXX XXXX on XXXX, XXXX for {$720.00} and cleared XXXX XXXX on XXXX XXXX. XXXX denies this transaction and will not credit my account, therefore allowing no closure. The main issue is they are reporting me 90 days past due. I have been consistent in my correspondence with XXXX and XXXX. We suffered a devastating fire XXXX XXXX. We lost everything. We have been in temporary housing trying to purchase a new home or credit for new appliances and furniture. Needless to say XXXX XXXX has tremendously affected my credit score due to their inaccurate bookkeeping. XXXX XXXX has admitted they posted our credit to the incorrect account and refuses to correct it. I have been denied credit due to this. I have been more than cooperative with XXXX. I have sent every piece of documentation requested including the invoice and copy of the front /back of check that was paid on my behalf. I was reported 90 days past due today.

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 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX  ( XXXX, NJ ) transferred the servicing of my loan to Loancare ( XXXX XXXXXXXX, VA ). XXXX sent me a notice on XX/XX/XXXX that they had become the servicer for my loan. That letter said that if I had auto-pay set up, then I needed to take no action, my loan would continue to be paid in that way. 

It is now XX/XX/XXXX, no payment has been made. I have no access to the XXXX online system, and I have no coupons or other materials to send them a check. I have contacted customer service and I keep getting new dates for when my loan will be active : initially XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, now XX/XX/XXXX. 

My loan is accruing interest based on the amount of principle that is owed. I normally make an substantial payment of additional principle on top of the amount paid in my normal mortgage payment. 

And so, I am now nervous because no on-time payment has been made. And additional interest is accruing based on the outstanding balance of the loan that I can not pay down - either through a normal mortgage payment or through an additional principle payment. 

The new servicer also charges an additional fee for online payments that are made online ( the previous servicer did not ). That fee structure escalates throughout the month, {$5.00} after the 5th of the month, and {$10.00} after the 10th of the month. And so I will now incur additional charges to make my payment of additional principle because of this delay.

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 2020-05-12 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: ERC
State: CA

Complaint narrative:
I checked my credit and I saw some fraudulent things that need to be removed of my credit.

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