vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
Flagstar bank applied the wrong escrow amount to my account, which ballooned my mortgage payment in XX/XX/2019. I had an automatic draft set up, so when I saw my payment increase by XXXX , I stopped payment. It was a XXXX $ charge to me due to me through my bank. After months of going back and forth with Flagstar that I didn't owe that amount in my escrow it was finally fixed, I had to call multiple times a day and endure people hanging up in my face and telling me that payment was correct. After four months, my payment amount was fixed, but I never received my XXXX $ back or a sorry for the treatment I received or stress due to not knowing if I would be able to pay the amount. In XXXX, a couple of managers told me that I would get my XXXX $ back and that the check was sent out, but I never got the payment, I believe they were telling me this to get me off the phone, and the check was never sent out. I called today on XXXX, and the person said they would have to open a new case after four months of waiting.

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 2019-12-12 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: FL

Complaint narrative:
My account was compromised and I filed a fraud claim with the bank and advised them of this fraud activity. Suffering from XXXX I have to keep my Pin number written down and my wallet was stolen with this information. Bank Of America placed a temporary credit on my account at which pint totaled over {$800.00}. I revised a letter two months later indicating that the temprary credit will be reversed because they found no evidence of Fraud. I called into BOA in a panic and spoke with XXXX from Arkansas who after I explained my circumstance, disputed the reversal and told me " no money will be coming out of your account anytime soon ''. I was shocked to wake up on XX/XX/11 and notice that indeed my account is now overdrawn by {$800.00} ecause the bank debited my account, I immediately called and spoke with XXXX from Florida who stated that she was a supervisor and saw nothing that she could do. I asked XXXX what information they used to come up with this and she refused only telling me she will have a manager call me back. I called back in that two hour time frame and spoke with manager XXXX who stated that he was a senior manager from Florida who could not provide me with any information abot what was used, only stating that the pattern did not fit fraud. I then asked form documentation used to make this decision and again there was a refusal to provide this information. XXXX reports to XXXX in Florida

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 2019-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
ON OR ABOUT XX/XX/2015 WE APPLIED FOR AUTO LOAN AT 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 2019-12-12 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: Midwest Recovery Systems
State: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

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 2019-12-12 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: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

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 2019-12-12 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: CA

Complaint narrative:
Thank you so much for taking the time to read this complaint I have a dispute with Transunion reporting incorrect data on my credit report as well as XXXX XXXX XXXXeporting incorrect data as well. 

I have reached out to XXXX XXXX and they have failed to provide proper documentation for this dispute they have not validated this debt. 

XXXX XXXX have not provided a contract validating this debt. 

Transunion is showing no account history. 

There is alot of major discrepncies with this account. 

They keep reporting late payments when the account is charged off.

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 2019-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX Senior Vice President, Consumer Complaint Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX Re : Data Breach on Account Number XXXX Citibank allowed my savings account to be breached on XX/XX/2019. ( as per attached document ) I am requesting a direct answer from Citibank as to why this data breach occurred? I have banked with Citibank for over ( 30 ) thirty years. I believe that a loyal customer like myself is entitled to complete disclosure as to why this happened? More importantly why it hasnt been resolved? Customer Service tells me that they will make a decisions within ( 10 ) ten days as to return the ( {$7000.00} ) XXXX XXXX XXXX XXXX dollars, without any explanation as to why it was allowed to be taken out in the first place? This was a simple fraudulently ACH transfer to XXXX  XXXX XXXX, Why wasnt XXXX  XXXX XXXX contacted immediately, to find out who and where this money was transferred too? This money should have been released immediately. 
I was requested by my bank representative ( XXXX XXXX ) XXXX XXXX Ca. Branch located @ XXXX XXXX XXXX XXXX. XXXX XXXX, Ca. to remove the majority of the money from this account, and to leave it opened, To open a new account, with a new account number later? Without any concern as to when the money would have been released back to my account. 
After reporting this I filed a police report with the XXXX XXXX Sheriff Department. They recommended me to contact all ( 3 ) Credit bureau 's and lock my accounts. In which I have done, however this required ( 3 ) three days of filling out forms, making phone calls, and several correspondence with these three bureau 's. Now the fourth day to contact Citibank via this letter. 
Im a senior citizen with several health problems, this has added to the stress in my life to the point that it is effecting my health. I havent eaten, or slept well since this occurrence. 
In addition it is near XXXX and the funds that the bank seems to have Lost were funds I expected to use during the holidays. 
This is totally unacceptable to me, I have contacted my attorney XXXX XXXX of XXXX and XXXX XXXX   firm, in XXXX XXXX, Ca. they are looking into this breach as well. 


Awaiting your Reply : 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 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: MI

Complaint narrative:
Debt collection is an inappropriate action concerning dispute over rental agreement w/ early termination. There was no language in contract specifying termination conditions ; nonetheless we provided significant compensation and provided plenty of advanced notice. North Carolina law stipulates that property owners must make a good faith effort to rent property, but the company immediately notified us that they wanted to charge us an additional {$1400.00} above the {$5000.00} we offered as an early termination fee due to the fact that I was unemployed, having been laid off by my company. Property management company never followed state law, nor lease agreement attached, in executing a demand we pay {$1400.00} without any attempt to rent the property and before we had vacated premises. Therefore, company had no legal right to forward their unlawful request to a debt collection agency as their had been no extension of credit in this case. Research on our part has found the debt collection agency, Hunter Warfield,  has been cited in numerous complaints around the country for questionable debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX  / XXXX XXXX  which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did TRANSUNION verify this?????? TRANSUNION has failed to do a proper investigation. I demand that TRANSUNION provide the method of verification under section 611 of the FCRA or delete this account immediately

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 2019-12-12 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: TX

Complaint narrative:
On XX/XX/XXXX I received a notice in the mail that my Chase credit limit was being reduced from {$15000.00} to {$11000.00}. 

I called the customer service department and complained about this and they transferred me to the credit underwriting department. I spoke to a account representative and supervisor. I explained to them that I have been a loyal customer for over 20 years.The letter said that my account was being changed because I had been delinquent on a chase card which is false. It said that I had flied bankruptcy which is false. 

Finally, I wrote a letter to the executive offices and complained about this and they did not help me either. In fact, I asked to speak to a manager named XXXX and she refused to speak with me! I feel as though Chase makes their own rules and laws! They lie and cheat consumers and they need to be held accountable! 

I feel like that they are profiling me because I am a senior citizen and I am XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Can not contact company to update my phone number on my extended 7 year fraud alert.

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 2019-12-12 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: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have charges that I have disputed with CitiBank Best Buy Card for charges that occured in XXXX. I did not authorize any of these charges. I disputed the charges, then they transferred the balance of the fraud charges to my new card they issued me. I have never used this card once in my entire life. All the charges on this card are fraud.

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 2019-12-12 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: GA

Complaint narrative:
I have sent Equifax numerous dispute letters as well as faxes regarding reinserting these fraudulent accounts below : 1. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance {$5200.00} 2. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance {$1100.00} 3. XXXX XXXX  XXXX XXXX XXXX XXXX Balance {$36000.00} Inquiries : XXXX/XXXX | Date of Inquiry : XX/XX/2019 XXXX/XXXX   | Date of Inquiry : XX/XX/2019 XXXX | Date of Inquiry : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
Credit card company close my visa credit card out of nowhere when I have excellent credit and I always make my payments on time there is no reason to have my account closed and if so I would like to exclamation as to why my account was closed not just bank policy I also owe a balance on this credit card that would negatively hurt my credit score that ive really been working so hard to be good now that they closed my account my credit scores are going to plunge and I would not be able to get into collage / obtain credit for a student loan on my own ... 
my credit card account was working perfectly until they put a block on my account however they requested documentation I sent them the documentation and it was already verified by the credit card risk department so why is there a need to close my account?

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 2019-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest financial company is engaging in business practices that have prevented me as the consumer from paying off a simple interest car loan early. The unfair business and accounting practices include : 1. Failing to applying 6 different principal only payments totaling {$5600.00} to my loan timely and 2. Adding back the simple interest of the loan when the principal payment is made causing my account to enter into a " payment due '' or arrears status. All six principal payments were made between XXXX and XX/XX/2019. On eight different ocassions, I have called Bridgecrest customer service speaking with representatives who have either failed to rectify the situation or who have started retaliation efforts by locking my online account. After each conversation with Bridgecrest ( XXXX, XXXX, XXXX, XXXX, and XXXX ) and a promise that my account will be brought current, the only actions taken have included again misapplying 4 principal payments and alerts that my account is in the arrears. A full accounting statement was requested from Bridgecrest on XX/XX/XXXX, but has yet to be received. A second request for a full accounting statement was again requested XX/XX/XXXX. This company 's unfair and unacceptable accounting practices prevent consumers from paying off loans early and can potentially damage their credit ratings. The FTC should investigate these practices as consumers will need lawyers to recover monies from overpayments and erroneously reapplied interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts reporting late payment history

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 2019-12-12 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: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

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 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery Associates been trying to contact a person who shares my name for several months regarding a XXXX  XXXX  debt dating back to XX/XX/XXXX. I have written to them several times to tell them they have the wrong person. I have no XXXX  XXXX  credit card on my credit report, and have never had any XXXX  XXXX credit lines in my life. The person they are looking for has a different middle initial than mine, and the last four numbers of her SSN are different than mine, and I have never lived at the address listed on the credit card bills that PRA has sent to me. All of these things can be corroborated through my credit reports and other legal documentation. The only thing I have in common with the person who owes this debt is a first name and last name, and the fact that we both apparently live in Colorado.

Alleged Debt Amount: $XXXX
Billing Period on most recent Credit Card Bill: XX/XX/XXXX-XX/XX/XXXX
Dates of Recent Correspondence from PRA:XX/XX/XXXXXX/XX/XXXX; XX/XX/XXXX; XX/XX/XXXX

This complaint comes on the heels of a similar complaint regarding PRA which I submitted to CFPB in XX/XX/XXXX. That dispute was satisfactorily resolved when PRA wrote to tell me that it had closed out the account.

Company response to consumer: Closed with non-monetary relief