vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-01 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear 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 2018-09-01 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 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: CA

Complaint narrative:
I would like to report this credit reporting agency 's violation of the FCRA. On my last letter I faxed to them last XX/XX/XXXX, Listed several accounts including 1. XXXX XXXX XXXX Ref # XXXX and 2. XXXX XXXX XXXX Ref # XXXX, Opened XX/XX/XXXX to be investigated and these items doesn't seem to be correct and valid. More than 30 days have past and nothing has been done. This credit reporting agency still reports incorrect information which continues to damage my credit. I have sent them another letter again today, XX/XX/XXXX to request for copies of the document used to verify these pieces of information reported on my credit report, the name, address and phone number of the person who verified the information if, within 30 days I will not get a a proper and lawful response and action from this credit bureau, I will not hesitate to get a legal counsel involve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I do not owe money to anyone. There is no reason for any debt collection service to be calling me. I am on the do not call list. I get multiple calls a day, four or five days a week from some company whose number comes up on my caller id as Portfolio Recovery. The phone rings once or twice, then they hang up. There is no message left. If I answer, they hang up. This has been happening for several months. I have called them back and told them to stop calling me. They insist they need all sorts of personal information from me to take me off their calling list. I have offered to give them the phone number only, but they keep insisting they need other personal information from me. I do not know these people. I owe no outstanding debt to anyone. I refuse to give out my personal information to them, but I want these calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I've requested proof funds were received by myself from a check fraudulently cashed in my name from Capital One, they provided info for the third party whom intercepted the check and cashed it, did not provide proof check was cashed by myself and funds received. This is a replacement check sent on or around XX/XX/XXXX, delivered to my address on XX/XX/XXXX while I was away on vacation. Another party intercepted the check, signed my name on it, deposited it to a XXXX XXXX XXXX. A XXXX XXXX provided info showing the account was at one time linked to my Capital One account, not when check was cashed which is what matters. Had the account been linked at time check was cashed by other party, that might show funds were received by myself, which they were in fact not. A funds transfer from XXXX XXXX to my account showing the amount would constitute proof of receipt of funds. However, account was not linked at that time and there is no transfer of funds. She also references a check deposited in the amount of XXXX from the XXXX XXXX account to my Capital One account, which has nothing at all to do with check cashed in my name and funds not received. That check, in the amount of XXXX, has nothing at all to do with check in question in the amount of XXXX. I will again reference my signature on file, a signature card was provided at time of account opening, this is my true signature and is not the one on check, Capital One/XXXX XXXX will not bother to check this as they know I was not at my address to receive, sign check, cash it. Needless to say, they have no proof at at. At this time I would request the name of the supervisor of XXXX XXXX, in order to speak with him or her about this matter and the fact she has failed to provide the physical mailing address to send notice of small claim suit to or provided evidence I received check, cashed it, received funds.. She continues to refer to a third party web-site address which handles such notices, that site did not show a mailing address. She stated previously she would not reply to additional complaints and is again saying she might not reply ... .This goes to show her level of ignorance, I believe a reply is required by the CFPB which she should know ... In closing, she could avoid continual complaints if she wants to get check reissued. I am owed a total of XXXX by Capital One, they chose to stop payment on a prior check which was cashed by myself, the day before I left on XX/XX/XXXX..This is their error which they will not admit to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018 I made a check deposit {$300.00} on my Checking Account. On XX/XX/2018 the available balance was {$240.00}, BOA rejected a payment of my XXXX XXXX {$220.00}, charged {$35.00} returned item fee, hold {$100.00} for deposit hold only available XX/XX/XXXX at XXXX XXXX PT.

On XX/XX/2018 I went to the bank, the Bank didn't solve the problem, asked me to wait until XX/XX/XXXX. I asked to close my account, have my money to pay the rejected loan, the Bank told me that it was not possible. 


Bank Information : Case ID XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 monetary relief
Consumer complaint received 2018-09-01 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: CA

Complaint narrative:
I would like to report this credit reporting agency 's violation of the FCRA. On my last letter I faxed to them last XX/XX/XXXX, Listed several accounts including 1. XXXX XXXX XXXX Ref # XXXX and 2. XXXX XXXX XXXX Ref # XXXX, Opened XX/XX/XXXX to be investigated and these items doesn't seem to be correct and valid. More than 30 days have past and nothing has been done. This credit reporting agency still reports incorrect information which continues to damage my credit. I have sent them another letter again today, XX/XX/XXXX to request for copies of the document used to verify these pieces of information reported on my credit report, the name, address and phone number of the person who verified the information if, within 30 days I will not get a a proper and lawful response and action from this credit bureau, I will not hesitate to get a legal counsel involve.

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 2018-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I tried to make payment with company and everytime I do so, it gets rejected. I don't have any troubles with no other credit card but this one. I called them several times, and was told they made an error of not getting my account number right from my bank to make the payment to there credit card. I received a bad inquiry on my credit report and lost more then 50 points to my credit report and also had 3 other credit cards drop my credit limit due to there mistake and tell the credit bureaus that I was 30 days late. I try to make payment over the phone and they don't take a mastercard debit card. I also tried to give them my routing and number and checking number and they said there system is old. I have to go to a branch and make a payment, which is inconvenient to me because its a 30 min drive from where I live and work. I think this bank is a joke and needs to get better service. I have documention showing I tried to make payment and then shows being returned and then company charging me a return fee. On my document I submitted there is a lot of return payments. Payment reversal dates are XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18. As you can see its every month and I try every month to pay. Please look at documents I uploaded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to report this credit reporting agency 's violation of the FCRA. On my last letter I faxed to them last XX/XX/2018, Listed several accounts including 1. XXXX XXXX XXXX Ref # XXXX and 2. XXXX XXXX Ref # XXXX to be investigated and these items doesn't seem to be correct and valid. More than 30 days have past and nothing has been done. This credit reporting agency still reports incorrect information which continues to damage my credit. I have sent them another letter again today, XX/XX/2018 to request for copies of the document used to verify these pieces of information reported on my credit report, the name, address and phone number of the person who verified the information if, within 30 days I will not get a a proper and lawful response and action from this credit bureau, I will not hesitate to get a legal counsel involve.

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 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
All three credit agencies are showing way off differences. I was using XXXX XXXX to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. Redit   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been Kate on a payment and my score keeps dropping

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
All three credit agencies are showing way off differences. I was using XXXX XXXX to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. XXXX   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been XXXX on a payment and my score keeps dropping

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 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
All three credit agencies are showing way off differences. I was using XXXX XXXX  to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. XXXX   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been XXXX on a payment and my score keeps dropping

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 2018-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My card with Chase Bank has an official credit limit of {$500.00}, yet Chase has been letting me charge more than double over the credit limit for over a year. I seriously thought my credit had been increased already because for the past year my transactions have not been declined at the {$500.00} threshold, and are allowed to go up to well over {$1000.00}. Basically, they still get the benefit of their merchant fees for the hundreds of dollars in purchases I make ( and pay off in full ) every single month, yet tank my credit by reporting my limit as half the amount they are actually allow me to charge. 

Today, I called them to discuss reconsideration on my account for a limit increase and it was a lengthy phone call pretending to go over all these things, yet ended in them saying no. They claim all these excuses about why they can't increase it my limit, but those same reasons are not a concern when letting me charge up to more than double my limit? This seems like discriminatory banking geared towards minorities. They are actively destroying my credit with a reduced limit " on paper '' while it is clear the don't think I'm a risk or they wouldn't be allowing charges of more than twice the limit FOR THE PAST YEAR. If they really don't think I'm worth the {$1000.00} limit, then they are allowing charges banking on me going into default so they can charge exorbitant fees! That's predatory lending! 

So which is it, Chase? Do you intentionally target minorities to destroy their credit ( the new redlining ), or are you predators allowing charges beyond the risk point betting on customers to default so you can swoop in and collect your scavenger fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Received a letter in the mail informing that I opened a XXXX XXXX/ XXXX XXXX credit card account and after the fact I noticed a hard credit pull in my credit report from XXXX XXXX XXXX It appears this account was fraudulently opened with my personal information and since then I have tried numerous instances ( over 15 phone calls ) to  reach the fraud department of XXXX XXXX through the customer service phone number on the website, but the automated service does not allow me to speak with a person to flag it as a fraudulent activity. I would like this account to be closed and the credit inquiry removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX I received a phone call and a voicemail was left, saying I owed a debt from U.S. BANK in the amount of {$1800.00} ACCT # XXXX his name was XXXX XXXX, I called him back and told him I never had any debt with U.S. BANK and requested they send something in writing, he instead asked for my email address and sent me a DocuSign document wanting me to fill out and acknowledge the debt. They told me if I didn't do this, they would contact my employer to garnish wages I guess? He's saying the amount owed was from XX/XX/XXXX. I called U.S. BANK to even double check and they even said they had nothing on file with my name on it. He had me listed living in XXXX, XXXX at that time and I am pretty sure I was living in XXXX. I believe this to be a scam and want to report this. The name of the company is XXXX XXXX XXXX they first called me from this number ( XXXX ) XXXX ( XXXX ) then they called again today XX/XX/XXXX from this number ( XXXX ) XXXX ( XXXX  ) both times reciting I call back this XXXX number ( XXXX ) XXXX. I did provide him with my email address so I could respond to the email to have a paper trail and told them that if they want me to pay anything, they need to send me something certified mail with my debt protection rights and the actual information about the debt. I hope this helps. 

Sincerely, 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 2018-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Called to get in one driven repayment plan. Then when I looked up the interest racked on for a year was astronomical it was almost 4000-5000 added on to my loan that is absurd never had that much interest tacked in ever. It unfair loan practices. Have never got more than 1000 in interest. Tried to call and got around numerous times. There phone system can call you all day. When you try to call its a long wait. I waited 3 hours never got someone that could fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I've been a Usaa client from since XXXX. I've never missed a payment or been delinquent on any of my credit cards I have 4 to be exact I've had credit cards since XXXX when I was XXXX. I've always been responsible. My credit card limit was {$3900.00}. I paid off the account in full it wasn't easy due to experiencing a total lost of our home in hurricane Maria last my sister died the same week & also divorced. It took everything in me to payoff but it was my highest credit card & I wanted to improve my credit score. I thought someone scammed me because I called my card to make another payment because I made a few transactions & on XX/XX/XXXX they decreased my account from {$3700.00} to {$2700.00}. Not only I'm I hurt I'm confused & I don't know why my credit card company would do this to they're Loyal Client. I was not notified nor was I contacted from them about the decrease which is unprofessional & I feel it is illegal because they call for everything else I trusted them for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
My home is a VA backed mortgage and the new servicing company is called XXXX XXXX XXXX, in the past two months they have committed fraud, theft, lied, attempted to use my name to obtain and change my Insurance Policies, attempted to extort cash from me. 

They have lied numerous times all documented on a Gov recorded phones and to my Insurance company. They have been misleading me a XXXX Veteran and attempting to extort fund from me illegally. 

They have on now several occasions false called people using my name to obtain personal and private data in an attempt to defraud me and the US Gov is a Mortgage fraud scam. 

I urgently request a Criminal Investigation commence at once

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My account was closed without notice and when I called into the customer service department I was advised the explanation would be sent via mail in 7-10 days. I am due a rewards balance of {$170.00} and was told I would not receive this because my account is closed.

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