vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 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: NY

Complaint narrative:
My identity was stolen after the XXXX Data Breach in XX/XX/XXXX. I discovered this in XX/XX/XXXX when 8 separate accounts were opened with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from XXXX XXXX XXXX is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with XXXX XXXX. I never had an account with XXXX XXXX that was opened in XX/XX/XXXX which they allege using an address of XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. The XXXX XXXX XXXX account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and XXXX XXXX XXXX. A discover account was opened in my name in XX/XX/XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from XXXX, XXXX XXXX and XXXX XXXX XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with XXXX supporting police reports and verification of my identity. XXXX  is refusing to remove the XXXX XXXX XXXX identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX  report where I could not qualify to even be a member because I have never worked for the federal government

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 2018-10-22 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: DISCOVER BANK
State: NY

Complaint narrative:
My identity was stolen after the XXXX  Data Breach in XXXX. I discovered this in XX/XX/XXXX when XXXX separate accounts were opened with XXXX, Discover, XXXX XXXX XXXX, XXXX XXXX XXXX, Discover, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from XXXX XXXX XXXX is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with XXXX XXXX. I never had an account with XXXX XXXX that was opened in XXXX which they allege using an address of XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. The XXXX XXXX XXXX account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and XXXX XXXX XXXX. A discover account was opened in my name in XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from Discover, XXXX XXXX and XXXX XXXX XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX  is refusing to remove the XXXX XXXX XXXX identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX report where I could not qualify to even be a member because I have never worked for the federal government

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 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: TX

Complaint narrative:
There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s ) {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: TX

Complaint narrative:
There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s ) {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.

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 2018-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I applied for personnel loan to consolidate bills online. got text to call PNC bank at ( XXXX ) XXXX to get verification, wanted las5t four of social and hung up. Called back and when different person answered I asked if this was PNC and the lady hung up. I believe this is a scam to get peoples info. Check this out please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I would like to know : 1. several years ago the highest credit score was XXXX, now its XXXX  2. how is this possible?

3. who gives these credit companies the right to up the scores at will 4. This has created millions of people that are now in a lower bracket and as such, now must pay more for credit!

This is a violation of law under the Rico act, as these companies are aiding major corporations to increase profits and they are doing it for increased income for themselves.

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 2018-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Im trying to work with them on payment owed I reached out on XXXX-18 and was told they would contact me in 30 days. Still nothing.

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 2018-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
i have had a spark business capital one credit card for over 20 years, i never have been late and always paid in full every month, i just received a letter today informing me that my card was being closed by them because after a review they determined that i do not align with their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: MA

Complaint narrative:
On XX/XX/18 I pd monthly payment of {$450.00} @ that time asked how many payments left due to my 6 yr loan was reaching maturity. I was told XX/XX/18 was last payment, but I had rolled over 6 payments to the end of the loan when I had lost my job, so I figured it was 6 more months after XXXX. But I was informed that in XXXX I would owe my last payment of {$450.00} & an additional {$13000.00} for interest accrued for 2 payments that were 60 days past when I was out of work. ( BUT I HAVE MADE A MONTHLY PAYMENT ALWAYS ) I was in shock & stated I could not pay this & new nothing about it. He stated that letters were sent to my online account ( WHICH I DO NOT HAVE ) & they did not need to send me anything in writing. At this time I asked what happens if not paid & was told even though loan had reached maturity they were going to REPO my car in XXXX for the interest owed. They stated that they DID NOT NEED TO SEND REPO PAPERWORK BY MAIL & would just take the car in XXXX. BUT he also stated that EXETER FINANCE CORP out of TEXAS could decide to WAIVE the $ $ $ or LEAVE it what is was & make me pay $ $ it. They make the final choice. I NEED HELP before it gets to the point of them taking my car after I paid if for 6 years & DON'T GET HOW THEY CAN XXXX  IT IF THEY CHOOSE OR MAKE YOU PAY SUCH AN OUTRAGEOUS AMOUNT OF MONEY. I have NO DOCUMENTATION due to the fact that they NEVER mail anything to me & I have requested numerous times to have things sent to me & they IGNORE MY REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: FL

Complaint narrative:
Equifax Confirmation Number : XXXX. Account Name : XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to Equifax regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) Equifax received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) Equifax provided me with the results of their reinvestigation on XX/XX/2018 stating " information disputed has been verified as accurate, however, information unrelated to your dispute has been updated. '' ( See attached copy of Equifax results of reinvestigation. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) Equifax 's reinvestigation results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. Equifax has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623.  Therefore, if Equifax does not immediately remove this account from my credit report, Equifax will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for the Citibank Platinum Advantage card in XX/XX/2018 and used a special code that was sent via mail advertisement to my house. This was to obtain the promotional offer of XXXX bonus XXXX XXXX miles if I spend {$3000.00} within 90 days of opening the account. I fulfilled my spending requirement, however Citibank refuses to credit any more than their basic bonus of XXXX miles. Citibank owes me XXXX miles but will not credit my account unless I produce the original advertisement literature which I have thrown away already. I did not expect Citibank to fail to honor their promotion or I would have retained that evidence. I just want Citibank to honor their agreement and credit me XXXX miles to my XXXX XXXX account and this will be resolved. I should not be held responsible for Citibank 's application malfunction or internal website problems.

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 2018-10-22 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: ONLINE Information Services, Inc.
State: MO

Complaint narrative:
After disputing account # XXXX, XXXX stated the account was verified as belongs to me. I have requested validation of debt from XXXX  and I have yet to receive the documents. Ive contacted the collection agency responsible for reporting the debt and they sent me a generic printout of an account activity. There is a collection that is reporting to my XXXX  report that has not been properly investigated. I have not received sufficient validation of debt from both parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Hello. Several years ago I was called about a XXXX XXXX card that was opened in Colorado sever years after I stopped living there. The person that opened it up had my social security number, the old address, and some other identifying information on me. I'm not sure who it is, but I told XXXX  that the card was fraudulent and they didn't seem to want to do anything about it. I called them back a few times though and got someone who said that they would send me an affidavit I could sign to get rid of the card. I never received it so I called back again and again. I never did recieve it and I'm suspecting that they were sending the thing to the old address they had on file. We tried this about 4 times and then my father ended up having several massive strokes. I didn't have time to deal with the company if they couldn't even get mail sent to my address correctly, so I put things on hold while I took care of him and then forgot about this entirely. I recently went to apply for a house and they said that this account was hurting my credit score by 120 points. I did not get the loan because of it and the house sold. 

I am currently working with them again but this is ridiculous. This time they sent me a questionnaire to fill out via email and say they are processing things, but I have no way of contacting them or talking to them about the issue. I just get a random call center person who looks at the status on the screen. It's been processing for several weeks now and I haven't gotten any word back from them. They probably sent more documents to the Colorado address for all I know. 

What's crazy is that it is XXXX dollars. I have perfect payment history for everything else I've ever had. I spend almost 700 $ a month at XXXX  on Coffee and Lunch but I am done. They won't get another dollar of mine at this point. 

Here is the information on the card. I only have the account number.. They wouldn't give me the card number because I didn't open it. lol Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled my Equifax report # XXXX and there is missing account numbers for XXXX XXXX & XXXX. There is a trunification issue with XXXX XXXX XXXX, XXXX XXXX.regulations. For one, THE ACCOUNTS LISTED lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on XX/XX/2018. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018 I made a XXXX transfer through Bank of America to my cell phone number.The cell phone number was previously registered to someone else through XXXX XXXX.I have had the cell phone number for 2 years and I went to my XXXX account and updated it.The {$400.00} i transferred went to an unknown XXXX XXXX account.Ive reached out to bank of america and they are telling me they reached out to XXXX and they can't do anything to retrieve my money back.

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 2018-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have repeatedly tried to set up repayment plans with Ocwen Loan Servicing after falling behind a year ago. Each time they found a reason to cancel the plan, meaning each new plan was for a higher amount. Today I set up a 5th payment plan, which will take about half of my monthly income to reinstate my account. I can not afford this ; I had a XXXX XXXX injury last winter, two months ' out of work, and hospital bills. 

I have always followed their instruction on payments -- always. But their notes seem to show me at fault for " paying late '', though I have not. 

Please see my attached letter, sent to Ocwen requesting help ( unanswered ).

Company response to consumer: Closed with explanation