vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was charged a past due fee of {$38.00} on XX/XX/2020 My Payment due date is & was XX/XX/2020 & was paid on that date! 
I received a confirmation of my payment being made along with a confirmation # of their receiving the correct amount I have attempted to correct this with the credit card companys representative & Senior management department on XX/XX/2020 & XX/XX/2020 They have refused to correct this fee They always have a different story or reason as to why

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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:
I applied for a credit card at XXXX XXXX today XX/XX/2020 and I did not get approved due to my credit score and history. I looked into it more and I discovered five accounts with bad payment history appearing on my credit. None of these accounts are mine ; I have never opened an account with any of those companies and I did not allow any other person to open an account with these companies using my name, social or address. I did not make any payments towards these accounts and I did not get anything as a result of these accounts that were opened on my behalf. I filed a police report with the information that I have so far.

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 2020-02-26 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 applied for a credit card at XXXX XXXX today XX/XX/2020 and I did not get approved due to my credit score and history. I looked into it more and I discovered five accounts with bad payment history appearing on my credit. None of these accounts are mine ; I have never opened an account with any of those companies and I did not allow any other person to open an account with these companies using my name, social or address. I did not make any payments towards these accounts and I did not get anything as a result of these accounts that were opened on my behalf. I filed a police report with the information that I have so far.

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 2020-02-26 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: NY

Complaint narrative:
They will not remove a XXXX XXXX  charge off Tradeline after XXXX XXXX  told them to remove it. Please see the letter the debt was forgiven.

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 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
I asked XXXX XXXX and his manager with better mortgage multiple times for the hoa condo questionnaire which they did not obtain or provide to me before officially denying me. they should have legally obtained and provided a copy of this document to me before denying me and i have given them several opportunities to provide it and they continue to ignore me and beat around the bush

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: Early Warning Services, LLC
State: CA

Complaint narrative:
The foundation of my complaint ( s ) being filed against Early Warning Systems directly correlates to, and should be made part of as an addition, to another company, XXXX XXXX, for whom I've previously filed a complaint on as well. More specifically, Early Warning Systems, of whom XXXX XXXX is part owner as well as a partner in business, has been identified by over 8 banks, 2 insurance companies and multiple other institutions and/or business as the sole reason for my having been denied the ability to open a checking account, get insurance, rent a place to live, and even turned down in an attempt to cash a legitimate cashiers check. I have since been notified by XXXX XXXX that they, also inaccurately, incorrectly, and with intent, made use of misinformation in collusion with Early Warning Systems to identify me as " High Risk '', and a possible perpetrator of fraudulent activity. So to validate my claims and to clearly give full validation to the fact that Early Warning Systems, in conjunction with and under the direction of XXXX XXXX, violated my rights provided for under the Federal Consumer Prevention Act. I am stating as facts and providing inquiries of evidence through response, to assist the CFPB in your efforts to ascertain, and act upon, the CFPB 's subsequent investigation and conclusion. 
1. The account ( s ) by which Early Warning Systems, through XXXX XXXX 's direction relies upon to create their report on me and furnish to those making inquiries are, and have always been, the direct cause of identity theft and fraud against me through XXXX XXXX. A. I never, personally, nor through another, ever contacted, disputed, filed a claim, nor was aware in any way as to the aforementioned. B. Not only did I inform XXXX XXXX of the identity theft and fraud ; I also informed them that they had without my authorization, knowledge or permission taken legitimate payments from multiple creditors that by law must be returned. C. The negative account ( s ) from which the fraud occurred at XXXX XXXX occurred over a five day period, involving numerous transactions, and involved multiple accounts of different creditor 's. At no point did XXXX XXXX freeze my account. They also, never contacted me by phone, by text, by email, etc. 
I have filed and provided copies to Early Warning Systems, XXXX XXXX, etc. with a copy of a police report, FTC report, three CFPB reports and I have provided letters with documentation to the Federal Reserve and Attorney General. I not only welcome but have begged for a full investigation to which I now believe is to occur. Early Warning Systems is required by law and regulations must remove all negative items and cease furnishing all negative items immediately or supply documentation and evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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:
I sent a letter to inform XXXX that I recently received a copy of my credit report that your company publishes and after reviewing it I found several bankruptcies on my XXXX, Experian, and XXXX that are inaccurate. Them being an 3rd party company reporting incorrect information are damaging my reputation and credit worthiness. I requested they supply me with the actual documents and I received letter starting they received the information from XXXX  and they do are not apart of the resolution. 

I went to US BKPT CT Tx XXXX have email me which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third- party providers who collect information regarding public cases from public records. 



.

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 2020-02-26 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: LEXISNEXIS
State: TX

Complaint narrative:
I sent a letter to inform NexisLexis that I recently received a copy of my credit report that your company publishes and after reviewing it I found several bankruptcies on my XXXX, XXXX, and XXXX  that are inaccurate. Them being an 3rd party company reporting incorrect information are damaging my reputation and credit worthiness. I requested they supply me with the actual documents and I received letter starting they received the information from XXXX  and they do are not apart of the resolution. 

I went to US BKPT CT Tx XXXX have email me which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third- party providers who collect information regarding public cases from public records. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Had to cancel my debit card with Capital One due to suspicious activity and possible fraud. Filed a fraud claim which came back with resolution that has been verified and solved before even recieving my replacement debit card has even arrived!!! Capital One Banking App states and shows under there " Debit Card Tracker '' feature that my replacement debit card was shipped XXXX XXXX. And would arrive XXXX. Now it has already been 6 days since I've been able to access my checking account or any the money that is in it minus it's bill pay functionality. Called capital one XXXX XXXX number provided within the apps help feature and talked to male representative @ XXXX and spoke to him regarding why I had not received my replacement debit card by XXXX like it stated I was in my account. The male representative told me that the information which is in my account was wrong and providing me misinformation. I then asked him to provide me with the USPS tracking number I would track it myself using my USPS Informed Delivery account. He told me that there is no tracking number he was able to provide. 
Okay ... .. 

If Capital One can not provide a tracking number then they should not provide false tracking estimations and should not completely 100 % knowingly provide misinformation to Any of its customers period!!!! 

Lying Know Your Lying Consequences will be had ... only matter of when ... its called Karma!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: MN

Complaint narrative:
I contacted Vanilla Visa XX/XX/XXXX regarding the XX/XX/XXXX {$160.00} fraudulent unauthorized transfer on my gift card. The transaction was from XXXX XXXX XXXX. When I spoke with the Customer Care person I was told that it was not a problem that the transaction had occurred XX/XX/XXXX and I wasn't reporting it until now. I explained that I had checked the balance on XX/XX/XXXX and that because I don't receive a statement it's something that I don't check monthly. I was planning to use it for a XXXX gift when I discovered the fraudulent unauthorized transfer. I submitted their Gift Card Dispute Form XX/XX/XXXX ( case XXXX ). On XX/XX/XXXX, in the mail I received a letter from InComm that said my claim was outside the 60 day time frame. According to the Cardholder Agreement ( see attached copy ) that they have on their website for Vanilla Visa Gift Cards issued by XXXX   XXXX  XXXX XXXX purchased after XX/XX/XXXX under the paragraph Your Liability for Unauthorized Transfers " Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on the Gift Card Account is {$0.00} if you are not grossly negligent or fraudulent in the handling of the Gift Card. '' It then says " You must notify us immediately of any unauthorized use '' but does not indicate within a 60 day time frame. I feel I'm entitled to a {$160.00} credit. I filed a complaint with XXXX  ( see attached ). InComm has refused to help with this fraudulent unauthorized transfer. In fact in their XX/XX/XXXX response to the XXXX  they said they don't even consider it fraud. They are not honoring their Gift Card Cardholder Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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:
They will not remove a XXXX XXXX  charge off Tradeline after XXXX XXXX  told them to remove it. Please see the letter the debt was forgiven.

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 2020-02-26 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: NY

Complaint narrative:
They will not remove a XXXX XXXX  charge off Tradeline after XXXX XXXX  told them to remove it. Please see the letter the debt was forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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:
They refuse to remove a collections from the XXXX XXXX. I never owed them anything I went to court with my cable company as they overcharged me and owed me money. Collection was an error and it was removed from both XXXX XXXX and XXXX  however Equifax refuses to remove it. The collection agency reached out to the credit agencies to remove the information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Ive contacted Wells Fargo due to a fraudulent account being reported on my XXXX  credit report. I have disputed this account several times. I asked Wells Fargo to provide me with account open date etc. they never provided me with any information pertaining to fraudulent account in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I had an on the job injury to my XXXX XXXX. Per protocol, I was taken to the ER at XXXX  XXXX XXXX XXXX. I later received a bill for {$300.00} for the visit. 
On XX/XX/XXXX, I forwarded the bill to the Department of Labor and again XX/XX/XXXX. This is the first time I am hearing any type of communication from this collection agency. Account Services is now reporting this as negative account on my credit report. In addition to a significant drop in my score, this erroneous information will flag my military XXXX XXXX and put in my career in jeopardy. I do not owe this debt as it is a Worker 's Comp/ DOL billing issue and I need it removed 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 non-monetary relief
Consumer complaint received 2020-02-27 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:
Per FTC sec 609. credit agencies are not validating my account they are simply verifying my 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 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
I tried to refinance my mortgage with Amerisave, I'd done the same with them several years before. My loan officer XXXX XXXX told my I qualified to refinance, but it would cost me {$500.00} to lock in my rate. Once I paid the {$500.00} and started the paperwork I asked how to handle my wife being on maternity leave since her W2s will show no earnings right now. It took over a week of me calling and emailing him until he responded, he said it wasn't a problem she was on maternity leave if she went back before the first mortgage payment was due, but still didn't tell me what documents they would need. I asked again that day and didn't here anything ever again, I emailed and called multiple times, he just quit responding to me. I also left a voice message with someone described as XXXX XXXX 's manager who also did not respond. After another week I sent an email asking him to refund my {$500.00}, cancel my application, and cancel any services they scheduled like the home appraisal, he didn't do any of those things. The appraisal company won't let me cancel the appraisal because they said I didn't order it, Amerisave did and they  haven't cancelled it even though I requested they do so. Literally the next day after I paid them {$500.00} they became unresponsive and made it impossible to complete my application. I want my money back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank can not supply reconciliation and full accounting of construction loan funding and funds left to date as part of residential remodel project. Construction loan was obtained in XXXX ( previous complaint filed in that instance ), and construction loan was rolled into traditional mortgage in XX/XX/2019.  Funds disbursement throughout construction was handled through Granite fund control. Funding has been significantly delayed throughout the project due to mismanagement of paperwork by both US Bank and XXXX. As we get deeper into the project, and closer to finalizing they have been unable to provide any accounting of the job. They are withholding funds we are currently paying interest on as part of our personal mortgage. We are also due personal reimbursement for funds outlayed as part of construction and have not been repaid, nor have some of the subcontractors working on the job. 

Happy to provide email back-up of all correspondence in which the bank says they are " working on it ''. In our latest round it has been 1 week since we asked for full accounting and reconciliation of the job financials and they have been unable to account for the money. The job is now at a standstill as sub contractors can not proceed with additional work until there is payment. We continue to pay our full mortgage amount ( which includes interest and the outstanding loan amount ) with no reimbursement.

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 2020-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I had a Barclays Bank Credit Card where I make a {$50.00} minimum payment. I recently had gone through a financial hardship and had been late making a few payments. BARCLAY transferred to a collection name XXXX XXXX XXXX. It was posted on my 3 credit bureaus on XX/XX/2016 with the amount of {$1900.00}. XXXX XXXX  began to get a lawyer and talked with my employer who then started to garnish my wages. Total balance is now {$880.00} and I had to leave my job because of it.

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 2020-02-27 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I wrote a letter to XXXX XXXX XXXX XXXX asking them to remove an inquiry that was not done by me, and they still have yet remove an hard inquiry on my credit report. I also wrote a letter to JPMCB card which is XXXX XXXX and XXXX XXXX, explaining to situation to all lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I wrote a letter to XXXX XXXX XXXX XXXX asking them to remove an inquiry that was not done by me, and they still have yet remove an hard inquiry on my credit report. I also wrote a letter to XXXX  card which is XXXX XXXX and capital one, explaining to situation to all lenders.

Company response to consumer: Closed with non-monetary relief