vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Filed fraud. Capital one took it off, then without written notice put it back on. First they said charge was made in XXXX, then said XXXX, Illinois. Would not say why they put it back on, only that card was there. Did not show receipt, and said they didnt have receipt. Showed proof for my whereabouts that night, didnt change

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
RE : AMERICAN EXPRESS SERVE CARD - Locked Out of AMEX SERVE Account - Funds Removed - Preparing to XXXX American Express ( XXXX ENTREPRENEUR ) Hello, I loaded {$100.00} on my Amex Serve card on XX/XX/2020. On XX/XX/2020 I was locked out of my account, my account was at XXXX ( no transactions were made ), and I have been calling every day, multiple times, on hold average 2 hours. As a XXXX entrepreneur, this situation has been distressing - mentally, physically and financially. 

American Express has locked me out of my account and removed my funds illegally and I am prepared to start a lawsuit on Tuesday, XX/XX/2020 if I do not receive my funds and have full access to my account. 

No one is answering the customer service line. I will no longer call, so this is my last resort before I open a lawsuit with American Express on Tuesday, XX/XX/2020. 

The following are examples of more American Express Serve victims : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank You, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 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:
I've had Discover Credit Card for awhile, at some point I was unable to make payments and account got charged off. Last XXXX ( Friday XXXX, 2019 ) I've called the Discover and offered to pay up my charge off. They agreed and took the payment. After they did it they reported my account as " Written off '' instead Paid in full, I disputed this information pretty much with all major Credit Bureau, and XXXX XXXX and XXXX did not update my account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services continue to harass me ( Ref # XXXX ) dated XX/XX/2020 requesting personal information & {$910.00}, after I stated " CEASE & DESIST '' immediately in my letter of XX/XX/2020 & filed a CFPB complaint. 

As stated in numerous letters to Resurgent Capital " I disputed this debt & do not have any responsibility for the debt Resurgent Capital is attempting to collect. '' " STOP all communications with me and RECORD that I dispute this claim. '' " CEASE & DESIST '' immediately. 

They ignore to " CEASE & DESIST '' request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: AR

Complaint narrative:
was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX   XXXX {$87.00} COLLECTIONS XXXX {$33.00} XXXX XXXX {$200.00}

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 2020-04-13 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: AR

Complaint narrative:
was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX   XXXX {$87.00} COLLECTIONS XXXX {$33.00} XXXX XXXX {$200.00}

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 2020-04-13 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are open under my name and social. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$460.00} DEPTEDXXXX XXXX {$4900.00} USDOE/XXXXXXXX   XXXX {$11000.00} XXXX/XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: MO

Complaint narrative:
At XXXX XXXX XX/XX/2020 I received a call from XXXX XXXX who began threatening me that his client would pursue actions against me if i did not work with him on resolving an account his company had purchased. I advised I had done no business with his company Superlative RM nor XXXX XXXX XXXX  and did not feel comfortable going forward due to the fact a business whom ive not conducted business with had all my personal info and was willing to devolve it to someone who answers a phone and no verification. Then Mr. XXXX got upset because i asked questions about who the company was he stated and said that I had no business with them. He became more aggressive and stated he will notate the account refusal to pay and threatened more actions were to follow. I asked for his contact info he rudely replied look at your caller id. The supervisor XXXX XXXX snatched the phone from the previous rep Mr. XXXX and too was very rude over talking me and stating he will just notate the account refusal to pay and nothing else needed to be said and told the rep XXXX hang up on her, disconnect the line ( several times ). This company has called numerous times a day and when answered they would hang up and not say anything. I had to get a new phone to stop the harassment but got the call today and someone actually spoke leading to the unruly attack on my credit and livelihood at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2020 I received a check from my lawyer as part of a refinance of my mortgage in the amount of {$14000.00} to pay off my loan Acct : XXXX. I went to the local branch to submit the check. I was informed I could not submit the check to Citizens bank because XXXX was handling the loan. I then sent the check via Post overnight. XXXX received the check on XX/XX/2020 at XXXX XXXX. I contacted XXXX on XX/XX/XXXX to verify the check posted and since the check was in an amount greater than the loan pay-off to request the difference be refunded. I was told verbally and in an email, today XXXX XX/XX/2020 ] that the loan will " officially be paid off on XX/XX/2020. Further, the overpayment of {$960.00} will be mailed in 2 to 4 weeks. This is totally unacceptable. Plus at the time of making the loan with Citizens we were not informed of it being in XXXX ' control nor were we told of this holding of the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX FRAUD CLAIM LETTER. XX/XX/XXXX claim date. USAA TOOK A YEAR TO COMPLETE THIS INVESTIGATION. There are No temporary credits ( as this letter ALLEDGED were made permanet ) See attatch3d XX/XX/XXXX statement confirming merchants credits only {$120.00} & {$210.00} = {$340.00}. THERE ARE NO USAA CREDITS. see enclosed transactions of XX/XX/XXXX of the {$470.00} transactions reported fraud ** '' after the mechants credits were deducted. Balance of {$470.00}. Cardholder held Liable. See attatched XX/XX/XXXX transactions. All XX/XX/XXXX XXXX transactions are DUPLICATE CHARGES UNAUTHORIZED XX/XX/XXXX. They total {$470.00} PUT BACK ON A DIFFERENT CARD A SECOND TIME XX/XX/XXXX. See attatched ID THEFT case XXXX USAA WAS NOTIFIED XX/XX/XXXX of this IDTheft. USAA HAS NEVER PROVIDED PERMANET CREDITS FOR THIS FRAUD. USAA DESTROYED MY CREDIT COLLECTING ON THIS ID THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Palmar, Inc.
State: CT

Complaint narrative:
I didnt give permission for a friend to use my Identity by opening a Utility Account with XXXX XXXX XXXX XXXX, back in XXXX or XXXX. 

I reported to XXXX that my identity was used at their company and I did not authorize this use. 

Not only did they not do anything about that by going after that person XXXX XXXX themselves. 

They basically held me liable for this BILL. 

I have told them repeatedly disputed this repeatedly and here we are in XXXX XXXX How many years later? 
At least 12 years later. 

Even if it was XXXX when my husband and I moved out of XXXX we're still talking 10 years! 

What gives a company the right to basically castrized an innocent party with a bill that is not theirs in the first place and worse started in XXXX at the least, and yet they claim it was open in XXXX?? 

I have proof I moved out of XXXX and XXXX because I took a lease if you would like to see proof of that lease I have no problem showing you that the leases in XXXX why would I be getting electricity in XXXX? 

I want proof of that!! 
If I have to prove that this bill is not mine I want you to prove that it was taken out in XXXX in my name and how I opened it! 

I have that right as a consumer so I want to see any and all documentation. 
That has to with me opening an account with your company in XXXX or XXXX whatever you want to claim, I want to see it!! 

I will take them to small claims court. 

I know darn well I moved out of XXXX in XXXX! So why in XXXX 's name would I open an account in XXXX?????? 
IN XXXX  when I lived in XXXX and moved to XXXX in XXXX!! Check the voter registration!!! 

If this is not removed I will take it further, much further. 

Shame on XXXX for taking the word of a company over the facts of the consumer. 

Thank You!!

Company response to consumer: Untimely response
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Union Home Mortgage Corp
State: FL

Complaint narrative:
I have been trying to contact my mortgage company ( Union Home Mortgage ) for at least 1 week to request relief due to COVID-19. I have called numerous times and there is no ability to leave a message or even hold for an agent. I have submitted online requests for assistance as well. I simply can not get any communication from them and I am in need of assistance. Please help!

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I purchased two automatic feeders from XXXX on XX/XX/XXXX using my XXXX credit card. The feeders arrived and did not work properly. I reached out to XXXX and got nowhere with them. They stated since the feeders had been used, they could not be returned. I submitted a dispute with my XXXX  credit card which is issued by Comenity Capital Bank because I was not satisfied with the goods I received. I got a letter in the mail stating they would review my dispute, and notify me in writing once it was finalized. To date, I still have not received a letter stating the outcome of my dispute, but I have called them on the phone and they said my dispute was denied because it was after the 30 day return policy. Per the terms and conditions on my credit card statement " you must contact us within 60 days after the error appeared on your statement '' which I did. The letter was dated XX/XX/XXXX which was within the 60 days. I met all the criteria of " if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may the right not to pay the remaining amount due on the purchase ''. I am including all correspondence between myself and Comenity Capital Bank with this complaint. The only letters I have received to date from Comenity Capital Bank are dated XX/XX/XXXX - We are working on your dispute and XX/XX/XXXX - directing me to contact XXXX customer service to help with my question. I have not received anything from them regarding the dispute being denied due to the 30 day return policy as stated on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My wife & I closed on our house XX/XX/XXXX. The purchase price of the house was {$140000.00}. At the time of closing, our house appraised for XXXX. We put 10 % down & therefore knew we had to pay PMI until we received 20 % equity or a LTV of 80 %. My wife & I paid an extra {$600.00} per month regularly along with our monthly payments to get our LTV down to 80 % as quickly as possible to removed PMI. Since closing a little less than 2 years ago, we have paid approximately {$11000.00} extra towards our principle. In XXXX of XXXX, we met our 80 % LTV & contacted Wells Fargo. They informed us that in order to remove PMI we would have to either A ) pay to have a new appraisal done or B ) get 78 % LTV. We crunched the numbers & decided it was financially better to apply the appraisal fee to our mortgage as oppose to actually having one done. In XXXX of XXXX we reached an LTV of 77.7 % or 22.3 % equity. I was told that our PMI would be removed automatically but when I called into Wells Fargo, they had to submit my request. A few weeks later I got a rejection letter saying that I had to pay to have an appraisal done to remove PMI despite having a LTV of 77.7 %. They also said that the appraisal would not ensure that PMI would be removed. I told them many times this is not what I was told in XXXX of XXXX, this is not what it says on our mortgage or any of our documents we received at closing & that according to the Homeowners Protection Act of 1998, they are breaking the law & that PMI should have been automatically removed at 78 % LTV. In XXXX & XXXX of XXXX, I called Wells Fargo at least a half dozen times. I have spoken with people at the executive office as well as had cases opened up on my behalf. Nobody is willing to help me & they keep telling me I have to pay for a new appraisal at my own expense. During this process, I discovered that although Wells Fargo manages my Mortgages, XXXX XXXX owns the mortgage. I have also reached out to XXXX XXXX numerous times, had cases opened up & still nobody is willing to help me. 

I'm writing this complaint to notify you that Wells Fargo & XXXX XXXX are breaking the law when it comes to the Homeowners Protection Act of 1998 ( Public Law Number 105-216 ) & taking advantage of consumers by over charging them PMI. I'm also writing you to get this resolved ASAP & remove PMI from our mortgage.

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 2020-04-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: KY

Complaint narrative:
MRS BPO at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX @ XXXX, has been contacting me daily via texting, phone calls, and the mail. This volatile behavior is extremely harassing and verbally abusive. I do not owe this debt, and want them to cease & desist all communication and harassment immediately!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are open under my name and social. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$460.00} DEPTEDXXXX XXXX {$4900.00} USDOE/XXXX XXXX {$11000.00} XXXX  XXXX {$110.00}

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