vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-03 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unauthorized inquires on my Experian credit 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 non-monetary relief
Consumer complaint received 2019-11-03 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXXXXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2019 my checking account was short of fund for a couple of bucks ( less than {$50.00} ) for the last 2 hours and after that really short time, I did fund my account, as I always do ( I do have a link savings account ), and direct deposit also. Then, to my surprise on XX/XX/XXXX TD bank charged a fee of {$14.00} because of an insufficient fund that I actually trying to figure out if after 20 plus days TD Bank can do that retroactively, because of my two accounts with them have enough fund since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
My name is XXXX XXXX, and this month I will turn XXXX years old. I am dealing with a serious medical issue with my wife of 35-years. My situation is complicated, but I have been pressed with an acceleration letter to foreclose on my home. My home can be worth anywhere from {$170000.00} to {$210000.00}. I owe {$130000.00} on my mortgage that includes back payments. My recreational vehicle was repossessed, and I am virtually living on a fixed income. Accordingly, I request the opportunity for Bayview Loan Servicing to give me the opportunity to list my home for sale. My wife and I should be living in an assisted living center, and our current matters both medically and financially are just too difficult to deal with. I request a cease and desist on any foreclosure actions, as my home has equity and it should sell fast. A foreclosure action will only cause me financial losses that I simply can not incur at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a few addresses listed inaccurately, so when the company of which I owe the debt to attempted to contact me they were unable to due to the fact of having inaccurate information inturn the debt was sold off to a collection agencys I also was exonerated on the bail by the judge so the only fee I should owe the bail company is the process fee not the the amount being portrayed

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 2019-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On XXXX, a person who goes by the name of XXXX scammed me out of {$120.00} for music festival passes on XX/XX/2019. The event was called XXXX XXXX XXXX.He sent a zelle request under the name of XXXX XXXX saying it was his business account. He claimed he was on tour dj'ing and will let me pick up the passes at will call. When I inquired about receiving a confirmation email, he blocked me on XXXX.i proceeded to contact him on XXXX and he blocked me on there.I contacted my financial institution ( XXXX ) to report it. It is being investigated. I also contacted Zelle and they opened a case.Upon doing research, his name is XXXX XXXX XXXX and he is from XXXX, IL. I saw on XXXX, several other people have been scammed by him. I was not able to screenshot the messages on XXXX between us because I was blocked. They all disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: IL

Complaint narrative:
OnXX/XX/XXXX,three(3)fraudulentchargesweremadetomyCITIBankAAdvantageExecutiveMasterCardatthefollowinglocations:{$5400.00}--XXXXXXXXIL{$840.00}--XXXXXXXXXXXXXXXXIL{$780.00}--XXXXXXXXXXXXILTOTAL:{$7000.00}AtXXXXonXX/XX/XXXX,Ireceivedatextnotification(detailsincludedinattacheddocumentation)askingmeifIattempted{$1900.00}atXXXXXXXXXXXXXXXXwhichIimmediatelyresponded"2''(NO).Ithenreceivedanauto-responsetoopenafrauddispute,whichIdidinlessthan1minute(detailsincludedintheattached)afterreceivingthemessage.

IspokewithafraudspecialistatCITIfor7minuteswherewewereabletoidentifytheaforementionedthreechargesthatwereNOTauthorizednormadebyme.Thefraudpreventionspecialistthenshutthecarddown,mailedmeanewcardandassuredmetheclaimswouldbetendedtoimmediately.

OnXX/XX/XXXX,IreceivedaletterfromCITI(detailsintheattached)informingmethattheydidnotconsidermydisputetobefraudulentactivityandtherefore,myaccountwouldberebilledforthethecharges.Sincereceivingtheletter,IhavespentcountlesshoursonthephonewithCITItryingtoresolvethedispute--which,includedthereopeningandquicklyreclosingoftheinvestigation3times--allresultinginthesamedetermination.

CITIiscurrentlyinviolationoftheirowntermsandguarantees"AtCiti,youwillnotberesponsibleforunauthorizedcharges(chargeswhichwerenotmadebyyou,oranyoneallowedtousetheaccount)'':https:XXXXAsaloyalCITIAAdvantagePlatinumcardholderformanyyears--acardthatcarriesa{$500.00}annualfee--thishasbeenacompletelydishearteningandunprofessionalexperienceandhavelostallfaithinthebank.

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 2019-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
On XX/XX/XXXX Unifund CCR, L.L.C. ( a/k/a Unifund ) contacted me and confirmed that their communication was from a debt collector, and included billing statements from XX/XX/XXXX XX/XX/XXXX. Unifund was attempting to collect a purported {$9900.00} debt owed to Distressed Asset Portfolio III, L.L.C.  who purchased the account from XXXX XXXX XXXX, XXXX. ( i.e., XXXX XXXX XXXX  ). 
On XX/XX/XXXX I spoke with XXXX XXXX in Unifunds XXXX Call Center and explained that on XX/XX/XXXX I filed an Affidavit of Identity Theft, pursuant to 623 ( a ) ( 6 ) ( B ) of the Fair Credit Reporting Act [ 15 U.S.C. 61681s-2 ], with XXXX Customer Fraud Protection. 
On XX/XX/XXXX and again on XX/XX/XXXX I wrote Unifund requesting validation that I was the responsible party for the debt to XXXX  XXXX Services ( a/k/a XXXX XXXX XXXX ) and, in turn, to Distressed Asset Portfolio III, L.L.C.,  and/or the debt actually belonged to me. 
On XX/XX/XXXX, I received a letter from Ms. XXXX XXXX XXXX, Unifunds Legal Counsel. The letter merely replicated the same material that Unifund sent on XX/XX/XXXX and failed to produce any contract with my signature but continued demanding payment of {$9900.00} to Distressed Asset Portfolio III, L.L.C. that was being collected by Unifund. 
These repeated demands for an unknown, unvalidated, debt coupled with someone who was purportedly acting as Unifunds attorney was beginning to appear as an extortion rather than a bill collection for a fair debt that was owed. 
On XX/XX/XXXX I received a letter from Unifunds attorney ( i.e., Mr. XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. of XXXX, KY ). Mr. XXXX cited several Federal Court Cases all leading to a continued claim for a {$9900.00} debt that I supposedly owed to Unifund. 
Among the citations Mr. XXXX wrote included : verification of a debt involves nothing more than the debt collector is claiming as owed. If verification only needed to be what a debt collector claims is owed, it would disregard validating if the debtor is the person responsible for the debt versus merely identifying anyone and verify billing statements were sent ( i.e., guilt by accusation ). 
Validating that I was the person responsible for the debt was the issue ; that didnt occur in deference to demanding I pay {$9900.00} to Distressed Asset Portfolio. 
On XX/XX/XXXX Mr. XXXX, representing Unifunds position, sent an e-Mail, where the Subject line read XXXX XXXX XXXX, stating : Mr. XXXX I consider our correspondence on the matters you raised in your several letters and my response letter to be over. However, his phrase was over was undefined, unexplained and/or not specific as to what matter was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
I need to have my name and address corrected on my credit report. My name is XXXX XXXX XXXX XXXX my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX   XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2019-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
J.P. Morgan Chase Bank first put a restriction on my Chase checking account then without giving me a legitimate reason they closed it and gave me the lame excuse that " They could no longer maintain my account '' and had the right to close it without notice! This is unacceptable since I had that account for many years since 2004. They explained that it was a " corporate decision. '' I later read online that the reason they might have closed it was to eliminate arbitration and lawsuits from consumers. This is an illegal and unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
AmexReward Card - Sweep I spoke with various customer representatives in four different occasions.

1. Representative 1 - Per their card agreement there was nothing they could do because the funds had expired.

2. Representative 2 - Transferred me to their supervisor who after I mentioned that I had read their card agreement and was seeking a replacement card hang up the phone.

3. Representative 3 - asked me to pull the same agreement from the internet and told me funds were expired. In the same agreement, I referred her to the paragraph below : Escheatment : Under certain states laws, if the Card is not used for a period of time, we are required to pay the unused funds on the Card to the state as unclaimed property ; if that occurs, we may deactivate the Card, but we will make the full unused funds available to you at your request and will provide you with a new card. For these reasons, if you attempt to use the Card and the Card is declined, do not assume that there are no funds left on the Card. Please check your Available Balance and call Customer Service for further assistance.

4. At the point she transferred me to her supervisor. He once again, quoted the agreement but once I pointed out the section below he failed to acknowledge the process for processing my type of request and said it was nothing he could do.

I asked if there was anything other information or number to another department but he said it was none.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am unable to open an account so to the fact someone opened multiple accounts in my name in XXXX ca. Ive told them over and over Ive never lived nor been to XXXX but Im still being denied an account with any bank

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 2019-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: DE

Complaint narrative:
Hello, I recently refinanced my mortgage and my new lender ( for the 2nd time ) is United Wholesale Mortgage. 

The last time I took out a mortgage with UWM, my online username was XXXX. I went to log in, and it says that I have no profile. Then, I tried to register, and it says my username is not available. 

Theh same applied to my spouse, the cosigner. Her username was XXXX. She can not log in nor can she register.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: MN

Complaint narrative:
Aqua finance failed to process my auto payments properly and made my account fall delinquent where I received bad credit reports and a increase in my interest rate for falling behind in the first place. They claim my card did not work for the regular monthly auto payment yet nothing changed with my card info or my billing information. Upon closer review and after contacting my credit card company aqua finance never attempted to pull the XXXX payment. I believe they did this predatorily to double my interest rates and for there own personal gain

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: DISCOVER BANK
State: NY

Complaint narrative:
Discover initiated a verification process without my consent. The results were very disappointing stating that they could not verify me because I did not file any tax forms in the XX/XX/XXXX-XX/XX/XXXX year and wasn't required to do so. They decided to close my account because of this decision which is unacceptable and now they are ripping me off with an over {$2000.00} balance that they claim I still owe which I am disputing because it was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I leased a XXXX  XXXX XXXX and had auto payments set up to be deducted from my checking account on the date due every month. I made the first monthly payment at the dealership when I did the paperwork. Chrysler Capital deducted the second months payment fine but when the 3rd payment was attempted they tried removing it from my savings and not my checking account and according to their website under my account it showed payments were being met. Next thing I know the vehicle had disappeared from my driveway and find out they repossessed it while I was out of state and away from home for 60 days. I call them and they tell me I can pay the past due to be reinstated and recover the car after being on the phone with them for 40 minutes and as Im getting my debit card to give the information to pay it she says that she just noticed the car was sold at an auction the day before! Ive received absolutely zero paperwork notifying of it being sold to this date but Chrysler Capital shows me owing {$15000.00} and it has negatively impacted my credit by showing derogatory and delinquent. Not to mention all the {$28.00} and {$30.00} fees charged by my bank because they kept trying to deduct payments from the wrong account. Im not sure who to contact but this cant be legal in any fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am so disappointed with the customer service that I have received from Citibank, the card issuer for Shell Fuel rewards card. I recently opened a Shell Fuel Rewards credit card. I did this so that I could use it on the Shell mobile pay app but it has been nothing but problematic and frustrating, to say the least.

My first issue was trying to get the mobile app to recognize the card. I called customer service and had to jump through rings in order to get help. I was told that they ( Citibank - Shell ) did not recognize my card. How can that be? I understand the need to properly identify your customer but after several attempts they could not even identify the actual card and or cardholder, me. Talk about fraud prevention, wow. Why even give out a credit card then. Should I submit my blood type and DNA? Will that help? 
Then after finally getting it loaded into the mobile app, I go to gas up and guess what, I get an error message that I need to contact Citibank. And the process starts all over again. 
I called the other day on XX/XX/19, two times in fact, and was told that I cant be properly identified and that someone will call me back. This is unbelievable. All because I signed up for a card in the hopes of being able to use on the Shell mobile app, in the hope of reducing fraud so that I do not have to swipe my card at the pump. Again, I call and after giving my card number 2 or 3 times, they cant locate me or the card. Then after holding for a few minutes, I am told, sorry but we can not verify you. Again, wow. 
So now I have card that I can not use and they have not contacted me. I attempted to swipe it at the gas pump the other and was told it is declined. Citibank ran my credit and issued me the card and I registered the card online as instructed. So as a consumer/customer, what do I do now.

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 2019-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery llc told me i owed XXXX i told them that amount was not correct i asked for a copy of the orignal credit card statements showing what i owed i was then told if i didnt start a payment plan they would have no choice but to refer my case to the XXXX County DAs office in Texas and i would be charged with ( Theft of service ) and a warrant would be placed for my arrest! i refused to pay them i told them the broke fedral and state law they hung up on me and six weeks later i received a civil lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I need to have my name and address corrected on my credit report. My name is XXXX XXXX XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation