vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I am trying to put freezes on my credit. With Equifax I first tried their website, then several phone numbers. In every case they say then need to verify who I am. One of the questions they ask is my mobile phone number. I do not have a mobile number. After that question they say they can't verify who I am and hang up. I never actually get to talk to a person. I sent an email to them saying I did not have a mobile phone. They sent me an email from XXXX XXXX XXXX - Customer Service Support <cust.serv@equifax.com>. on XX/XX/20 listing 3 customer service phone numbers. Every one of these numbers asks for my mobile phone number as a verification question. I can't be the only one in this country without a mobile phone. Please tell me how I can get Equifax to put a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX XXXX advertises the benefit of partnering with him on your deals and providing 100 % financing and paying out 50 % of gross profits. I signed up and submitted a deal immediately but he kept asking for the package over and over again after it being submitted for over 3 weeks he finally signed and agreed to the purchase price and I scheduled the contractor to come out and when the contractor came out there was a buyer lined up to purchase once complete. He backed out of the deal and could not provide solid proof as to why. He was very rude while I asked for the realtor information of whom certified the values but could not provide one and could not justify what comparables where used.There were only three properties that were sold that wasnt distressed. I found out that they excluded me to only take my deal and make profit behind my back. I would like my refund back of the investment of {$1000.00} that the bank is holding.

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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I've recently been in constant contact with XXXX, Experian, and XXXX  in regards to several accounts reporting on my credit file that were established without my knowledge or consent. After speaking with the local authorities, I was instructed to fill an identity theft report from the federal trade commission. Since I've completed and mailed out the form which included accounts that were from the direct result of identity fraud, I have yet to receive any cooperation or accurate verification from Transunion, Equifax, or Experian consumer reporting agency. I also included several addressed being reported on my credit file that I were never associated with. It now has exceed past the 30 days that the Fair Credit Reporting Act requires for the bureaus to provide accurate verification has Experian has failed miserably. Experian in addition has failed to block under section 605b upon being notified within 4 days of identity fraud related accounts being reported. Sections 609 and 611 also have been violated in regards to provided accurate verification and identity theft. The accounts related to identity fraud are 1. XXXX XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX   # XXXX, XXXX XXXX XXXX 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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX is showing I owe {$440.00} on my credit reports. I have been out of the country doing missionary work.I have never lived where the items were delivered. I never ordered or open a XXXX account. I was compromised by the Equifax breach this may have been a cause of Equifax. Please remove this from my credit reports. I need a signature showing this account is mine and then I can find out who open this account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately new my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I started having issues with my City Double Cash card about a year ago where payments would bounce even when there was sufficient funds in the payment account. I would get a notice from my bank that there was an issue with the transaction and would call City to find out what was wrong and and was told on two separate occasions that there was nothing wrong with the account and that the payment had gone through. A few days later I would get a notification from Citi that the payment had bounced even after being assured that it wouldn't. In all cases I have transferred the money to another account and made the payment from there, therefore I have never been late on a payment due to this. I finally determined that it would only happen when attempting to make a payment out of my savings instead of a checking account, something that hadn't been an issue in the past, nor has it ever been an issue with any other card. On the last occasion I mistakenly selected the wrong account and again tried to make a payment out of my savings. I noticed immediately and scheduled a new payment and attempted to contact Citi to resolve the one I figured would bounce again. I tried daily to speak to an associate and was repeatedly hung up on or placed on hold for hours to then be told that the department was closed by the automated system. During this time I attempted to pay a hospital bill with the card and it was declined. I checked my account online and found that it had been closed without my request or any notification. By the time I was able to finally get an associate on the pone after over a week of daily calls, I was informed that the account was closed due to the returned payments and that there was nothing they could do to reopen the account. This has been my daily use card for years and the closure of the account has negatively impacted my credit score. I have removed the offending funding source from the payment options for what little good it dose on a closed account. I do not understand how two banks not working with each other is my issue.

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 2020-04-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is derogatory information on my Credit Reports that needs to be removed. XXXX placed a {$78.00} amount owed in my credit reports. The Collection Agency hired by XXXX is XXXX XXXX XXXX. I pay all my bills on time and have no debts. 
I paid my final bill to XXXX account number : XXXX on XX/XX/2019 and advised XXXX that there were erroneous charges on my final bill which I do not owe XXXX. I contacted XXXX on XX/XX/2019 to pay my final bill and to advise them of the mistakes on my bill. These are the mistakes on the bill which I corrected in my letter to XXXX. 

I advised them that my XXXX XXXX lease ended on XX/XX/2019. XXXX charged me a XXXX XXXX XXXX for ( XXXX ) XXXX in the amount of {$29.00}. Why would XXXX charge me a cancellation charge for a lease that previously ended or expired? I deducted the {$29.00} charge from the bill. 

I returned the three XXXX  XXXX phones to XXXX, in their unopened boxes on XX/XX/2019. XXXX charged me a XXXXotal Lease amount due of {$6.00} for each of these telephone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX. I deducted the {$6.00} charge for each of the three of them for a total amount of {$19.00} from the bill. 

XXXX over charged me {$29.00} for the XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX Own it in 1 payment price was {$170.00} and not {$200.00}. I deducted the {$29.00} charge from the bill. 

The total amount that XXXX has overcharged me was {$78.00}. I enclosed my check number XXXX in the amount of {$610.00} which was my final payment to XXXX. I do not owe XXXX any further charges. XXXX then to sent the {$78.00} charges to XXXX XXXX XXXX and neglected to remove the erroneous charges from my bill and put derogatory information in my credit reports. XXXX should remove this derogatory information. Please resolve this on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX is showing I owe {$440.00} on my credit reports. I have been out of the country doing XXXX  work.I have never lived where the items were delivered. I never ordered or open a XXXX account. I was compromised by the XXXX  breach this may have been a cause of XXXX. Please remove this from my credit reports. I need a signature showing this account is mine and then I can find out who open this account in my name.

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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX is showing I owe {$440.00} on my credit reports. I have been out of the country doing missionary work.I have never lived where the items were delivered. I never ordered or open a XXXX account. I was compromised by the XXXX breach this may have been a cause of XXXX. Please remove this from my credit reports. I need a signature showing this account is mine and then I can find out who open this account in my name.

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 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2020 I spoke to USAA rep XXXX. REQUEST TO REMOVE XXXX   XXXX XXXX  PAYMENT INFORMATION. OFF MY PROFILE. AS I WILL * NOT BE PAYING ON THIS ID THEFT. USAA PROCESSED A PAYMENT FOR ID THEFT * STEALING MY SOCIAL SECURITY FOR NEXT THREE MONTHS * LEAVING ME WITH OVERDRAFT FEES XXXX  XXXX. ( I DEMAND USAA PROVIDE WRITTEN DOCUMENTATION THIS PAYMENT WAS AUTHORIZED BY ME FROM MY IP ADDRESS. ) I DEMAND USAAs claim BE PROVEN. ** I DID NOT AUTHORIZE THIS PAYMENT. I HAD NO FOOD OR RENT MONEY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
This law firm is contacting me regarding a debt from 2012 in which I've informed the original company doesn't belong to me. I've been harrassed by several collections agencies, and now Linebarer Goggan Blair & Sampson, LLP is contact me 8 years later about this same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately new my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately new my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including bankruptcies. These items are not mine. Please remove them from my report. 

XXXX XXXX XXXX  XXXX {$320.00} XXXX   XXXX {$1800.00} XXXX XXXX XXXX {$3800.00} XXXX  XXXX XXXX  XXXX {$16000.00} XXXX XXXX {$0.00} XXXX  XXXX {$33000.00} XXXX XXXXXXXX {$1200.00} XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX  XXXX {$6800.00} XXXX XXXX {$700.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citicards website is broken and does not display properly my account and all the important details, not allowing me to track the charges. Phone and online customer service does not work. In branch services do not work. As such, I am unable to decide which charges are legitimate and which are fraudulent - as I do not have access to my online account at all. Tried three different browsers, a phone - same results. Phone service auto hangs up.

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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is showing that I owe {$420.00} on my credit reports I have never had a XXXX XXXX  account. I never ordered anything from XXXX I checked with the post office and nothing was ever delivered to my PO box  from XXXX if something was delivered you would have a signature please send a copy of the signature this is not my account please delete from credit reports 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 2020-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
We received an Escrow letter on XX/XX/XXXX that said we were behind on our escrows due to not paying enough on our mortgage. We were paying the amounts if not more that we were billed each month. When I called to inquire on why our payments were increasing monthly, they explained our first payment note from our previous mortgage holder was not calculated correctly and that our payments were now doubled. I requested to speak with the escrow department to whom could not explain how this happened and referred me to the loss mitigation department. I was then told to file for a modification in XX/XX/XXXX. I did and they increased our mortgage payment from {$1600.00} to {$4100.00}. Then we applied again in XXXX and they increased our payment to {$5100.00} and then they put us in a bind financially, liquidating our retirement and putting our other bills behind. The last time I applied for a modification was XX/XX/XXXX and they increased my payments to now {$6100.00}. We never were behind until now and this has been so stressful in trying to get someone in management to care enough to help us. They keep calculating our gross income incorrectly when we sent in pay stubs and W2 's. Please see we are asking for help in saving our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I settled an account with Chase through the debt collector XXXX XXXX XX/XX/XXXX, account cleared payment on XX/XX/XXXX, and I have called and called and requested that my credit report is still not showing balance of XXXX after settling. They have not sent an update to the credit bureaus. On top of that I have a pending mortgage and they are requiring a letter stating that account has been settled with Chase. I have called several times and they are refusing to provide me a letter stating that it is settled. The verbiage is reflecting that it has been settled pending clearing of payment which was cleared months ago. I have spoke to several Chase representatives and requested to speak to supervisors and nobody is helping. This is delaying my process in purchasing a home. I need someone to do something. I need a letter stating account has been settled with XXXX balance, without extra verbiage implying pending payment. 


Also, I settled another account with XXXX XXXX XXXX with debt collector XXXX XXXX End of XXXX, payment cleared on XX/XX/XXXX. I have called XXXX XXXX  USA several times and have not been able to speak to a person to obtain a letter stating account has been settled and cleared. I received it from the debt collector but I am need one from the creditor stating it is cleared and settled. No response from them at all. Automated system leads you in circles. I need a letter asap and mailed to me. My credit report is also not reflecting a {$0.00} balance. I have not received not one letter from XXXX XXXX   USA stating the account has been settled. 

These accounts were paid months ago and I should be able to obtain these items from the creditors. Accounts were resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A payment was made via check to the banks name with the last four digits of the account number on the front of the check, and cashed, funds withdrawn from the checking account, but payment was never applied to the account.

Company response to consumer: Closed with monetary relief