vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 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: NV

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-01-21 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: NV

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We purchased our home in XXXX of XXXX through J.G. Wentworth and JG Wentworth continued as the loan servicer. The property purchased at XXXX XXXX XXXX has to county apn numbers : # XXXX and # XXXX. The property taxes were paid on one apn and not the other, although both are included in the mortgage paperwork. This information was brought to their attention two years ago after receiving deliquent tax notices from the county of XXXX, CA. This was again brought to their attention on XX/XX/XXXX via email with a confirmation saying the delinquent taxes were received. I received an email on XX/XX/XXXX saying that any deliquency would be paid by the company out of a corporate account. I called the company to confirm, and was informed that the taxes would be paid on XX/XX/XXXX. They wouldn't give me this information in writing by mail or email. I also requested an audit of our escrow account, because the escrow amount should have covered the deliquent taxes. Our loan was then transferred to a new servicer, Freedom Mortgage, effective XX/XX/XXXX. I immeditely sent the deliquent tax notices to the new servicer. The reviewed the infomation and assured me that the taxes would be paid on XX/XX/XXXX and that an escrow audit would be performed and sent to me by XX/XX/XXXX. Again, they wouldn't confirm this information in writing or give me a confirmation number. Freedom Mortgage has also added hazard insurance and an additional flood policy in addition to the homeowners and flood insurance that I already carry. I notified my flood policy agent ( XXXX XXXX of XXXX XXXX ) that the maximums of the policy needed to be increased, and they did increase them right away. I have received a letter again telling me to increase my flood policy maximums or they will obtain a policy for me. They are increasing my payment from {$1600.00} to {$1900.00} to cover this. It seems that they are adding things without my authorization or need and not paying the property taxes for the second apn. The deliquent taxes equal {$10000.00} with penalties. I just want the property taxes paid and I want to see where all of the escrow money has gone if it wasn't used to pay the taxes. I have not been late on payments and I have carried proper flood and home owners insurance since the inception of the loan. If this isn't remedied immediately, I will be forced to take legal action.

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 2020-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2019 I tried to login to my account but was unable. I was locked out of my account. someone else had gained access to my account and changed the login info. 
After contacting PayPal multiple times I was finally able to access my account and I realized that my PayPal balance was gone. {$480.00} had been fraudulently withdrawn on XX/XX/XXXX at a XXXX. 
I contacted PayPal and they were very unhelpful. they weren't even able to provide basic info like how it was even withdrawn as they are supposed to ask for photo ID. they also could not provide info about which XXXX location it was withdrawn as it can be at any location in the world. they assured me that the issue would be resolved. 
so I filed a dispute with PayPal. 
After review, this was their response : Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. 
Case details Dispute reason - Unauthorized access Case Status - Closed Date reported - XX/XX/2019 Transactions not refunded I then called PayPal again to get some info about their decision and they just kept repeating that the " transaction was not unauthorized '' since it was " an in person transaction '' Basically someone at a XXXX somewhere ( but they can't tell me where ) had withdrawn the money in person so it's not considered fraudulent. 
I then called my local police to file a report but the officer was dumbfounded by the lack of info PayPal was able to provide and he said there's nothing the police can do since they don't even have the basic info of the location of the withdrawal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
MoneyLion will not allow me to transfer XXXX dollars to my XXXX   because they have XXXX extra balance requirement which is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
I have received invoices from companies and I have never heard of theses nor do I know what this invoice was for

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 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: DISCOVER BANK
State: IL

Complaint narrative:
XXXX for Discover Card in Iowa. This has been going on for several months. I explained the situation. I XXXX, have XXXX  and XXXX. Their conduct has been poor. The last day wasXX/XX/2020 I get called about about 8 times a day. I have had enough. I am under the ADA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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:
the Following accounts are fraudulent : XXXX XXXX {$1200.00} XXXX {$680.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ga XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
I went to the emergency room on XX/XX/2018. My part of that bill was {$250.00}. 
The collecting agency now is ARSTRAT - PHONE : XXXX # XXXX Since that time I have spent the majority of these months on XXXX XXXX  XXXX. I receive XXXX XXXX. {$250.00} is a little amount - but to me it is a lot. My mom agreed to help me with the debt even though she is retired and on a fixed income herself. She has made TWO payments in regard to this matter. However, ARSTRAT continues to bill us the full {$250.00}. I have called three times, and they always say they have no record of ever speaking with me and no record of receiving any payments, and that I need to pay the {$250.00} immediately. 

I spoke to the business office of the original billing department, which was XXXX XXXX. They DO have record of two payments, and assure me ARSTRAT has the same capability as they do to see these payments that have been made. So I called ARSTRAT back once again and asked to speak to a supervisor. They transfer me - but then the phone just hangs up and I get a dial tone. 

ARSTRAT has told me repeatedly they can't see any payments I made to XXXX XXXX, although XXXX XXXX says this is not true, and that ARSTRAT can see any payments which have been made to this service on XX/XX/18.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: CA

Complaint narrative:
These accounts are fraudulent and do not belong to me XXXX XXXX account number XXXXxxx openedXX/XX/XXXX XXXX/XXXX   account number XXXX opened XX/XX/XXXX XXXX/XXXX   account number XXXX opened XX/XX/XXXX XXXX XXXX XXXX  + duplicate listed twice account number XXXX XX/XX/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 2020-01-22 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: CA

Complaint narrative:
These accounts are fraudulent and do not belong to me XXXX  XXXX  account number XXXX openedXX/XX/XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX XXXX + duplicate listed twice account number XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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:
fraudulent loans were opened up in my name XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX accountnumber XXXX XX/XX/XXXX XXXX   account number XXXX XX/XX/XXXX I have included./ attached following documents -FTC identity theft report - driver license -social security card -A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
How I am being treated is not fair early XXXX I put in a dispute because there was a large pending charge on my account I question they canceled out my card and sent me a new one from my understanding it was being investigated today I received a email that my account was being suspended and closed because my dispute also a family member over heard me that lives in my household upset and admitted and apologized for using my card I told the card company what happened they lady said she will note the closed account she was very rude I called back numerous amount of time because customer service kept hanging up on me to explain the circumstances also wrote a letter to them they closed and locked my account with funds inside I have a XXXX I take medication that prevent me from having XXXX today tomorrow I am due for my medicine I have no way of getting treatment I have a XXXX XXXX XXXX to take care of without getting my medication I can have a XXXX anytime now I also explained to them my XXXX check was supposed to be deposited this week and will not be able to access funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The Citi Double Cash credit card deceitfully has the " World Elite Mastercard '' logo prominently displayed on the back of the card, though it is not a World Elite card. World Elite Mastercards have additional benefits that standard Mastercards do not have. A list of benefits can be found at the link below, which includesCell Phone Protection in case a mobile phone is damaged. 

XXXX XXXX XXXX For years I have been paying our mobile phone bill every month using this credit card, as the card is supposed to be aWorld Elite Mastercard. On XX/XX/XXXX of 2019, the screen on my wife 's phone was damaged. I called Mastercard to file a claim for the screen to be repaired. Mastercard told me that the card is not aWorld Elite Mastercard. I explained that the card has the World Elite logo very prominently displayed on it. They told me that the matter would have to be taken up with Citibank, as Citibank isthe card issuer. I took up the matter with Citibank and spoke to a few representatives all of which agreed with my concern. Because of this, they escalated the matter multiple levels to their Executive Offices. On XX/XX/XXXX, XXXX, which can be reachedat phone number XXXX, advised me during a recorded conversation that this credit card was not aWorld Elite Mastercard. I asked why the card has the World Elite logo very prominently displayed on it, and he could not offer an explanation. I asked to have it escalated as this is bait and switch, and completely illegal. He told me that I have reached the top level of escalations and that the matter could not be further escalated. Repairing the screen costs {$350.00}, which XXXX said he would not have Citi cover as a courtesy. 

Again, the Citi Double Cash card has theWorld Elite Mastercard logo displayed prominently on it, though it is not aWorld Elite Mastercard. Even Citibank themselves acknowledged this on XX/XX/XXXX during a recorded conversation. Why are hundreds of thousands, maybe even millions of consumers, being deceived with these bait and switch tactics?

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 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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:
the Following accounts are fraudulent : XXXX XXXX {$1200.00} XXXX {$680.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX ga XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Additional investigation required. I opened a Capital One prepaid card to restore my credit. I paid {$99.00} to activate a {$200.00} credit card. 

I was going to the hospital for a bit and I called in to set up autopay. 

I was hospitalized for 3 months. 

When I got home I got my bill. I was surprised to see the bill was overdue. 

I called in and made a debit of {$160.00} to keep the account current. 

I was told by PHONE that my account would be ok. 

A week later I got a refund check in the mail and my account was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
In XX/XX/2018 I began home loan mortgage process with Quicken Loans DBA rocket mortgage which closed XX/XX/2018. I found out later on that my home and finances met the criteria for a USDA loan which the lender never offered and instead wrote the loan for an FHA. They also ran my credit report 3 times in an 8 month period w/out authorization of one. When I contacted them to request that the one be removed I was told " no they would not remove it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased two cakes at XXXX. 

The cashier told me " {$33.00} ''. I handed my card. I was not given a receipt, and I did not sign anything. 

On my Capital One credit card statement, I saw that the charge ended up being for {$36.00}. I did not authorize this charge. I did not sign anything. I did not approve this number. 

I attempted to reach XXXX, the merchant, but failed. 

I called my credit card company to notify them that I did not authorize this charge. 

They requested *evidence* of how much I had authorized. I indicated that I have none, since I was not given a receipt, and I did not sign anything. 

On account of my not providing evidence that I *did not* make the charge, Capital One denied my dispute, and informed me that the charge would be reinstated. 

This is *not* reasonable. I *did not* authorize the transaction. And the onus is not on me to show that I didn't ; the burden of proof, clearly, is on the merchant and the credit card issuer, to show that I authorized the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Look its simple, but department store is difficult. I purchased clothing at kohls in XXXX for like {$95.00} bucks with cash, while purchasing I got myself a kohls debit card and it was accidentally charged to the card as well. So I paid cash money on XXXX XXXX or the XXXX and never should be in this situation. The receipt says kohls charge so I filed with kohls to solve this by looking at the cameras on the date and time of purchase to show me handing over {$100.00} cash to the employee. Kohls has repeatedly called and called wanting money while I wait for resolution. Im being charged and affecting my credit unfairly. This needs to be resolved they are affecting my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: CA

Complaint narrative:
fraudulent loans were opened up in my name XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX accountnumber XXXX XX/XX/XXXX XXXX  account number XXXX XX/XX/XXXX I have included./ attached following documents -FTC identity theft report - driver license -social security card -A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: CA

Complaint narrative:
fraudulent loans were opened up in my name XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX accountnumber XXXX XX/XX/XXXX XXXX   account number XXXX XX/XX/XXXX I have included./ attached following documents -FTC identity theft report - driver license -social security card -A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Comenity bank refused to honor SCRA benefit for XXXX credit card I informed them in writing sent required documentation they refused to adjust the account. Comenity violated this law for accounts XXXX XXXX XXXX XXXX This company should be held accountable for unfair practices Dates of benefits are incorrect and was never applied

Company response to consumer: Closed with explanation