vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX 2 of my credit cards were hacked and sent to fraudulent individual. I called immediately on XX/XX/XXXX, spent an hour on the phone. They did nothing and on XX/XX/XXXX charges were made for cash advances. In the 20+ years with this company I have never made a cash withdrawal and they didnt find it suspicious. I called back on XX/XX/XXXX to again report the fraud and attemp to lock my accounts. Still got it wrong. I called again on XX/XX/XXXX and now all 3 cards are locked 10 days after reporting the fraud. Capital one does not have the ability to protect me from fraud and breached their fiduciary responsibility to me. They dont process information correctly to protect me, allowed fraudulent charges due to their negligence and my account is still available to accessible online so now I have to make call # 4. Completely unacceptable and moving all debt from this company as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: TX

Complaint narrative:
I have written a request to Experian Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be removed.

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 2019-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
XX/XX/XXXX, I saw a {$380.00} charge that wasn't ours. Call USAA immediately & notified them. The card was identified as my wife 's and blocked. They told me that the money would be replaced in 1 or 2 day 's.

XX/XX/XXXX, I called USAA to inquire about the money & was told that they didn't know why the Adjustments Dept didn't put the money in but that they were still investigating it. 
XX/XX/XXXX, We received my wife 's new debit card. She discovered that it was missing. Know that I have already called in the claim I didn't think to call USAA.

XX/XX/XXXX, Still no money so I called USAA where I was told that the case was closed because the charge was completed using the chip. I explained that to USAA and they updated the case and again stated 1 or 2 days to put the money back in the account. When asked why we were not notified of the case closing, the representative did not know why.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. I was also told that the Adjustment Dept. notified my wife 's INACTIVE account of the case closure. No e-mail, phone call or text.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. But also told me that they have no way of contacting the Adjustments Dept. other than through there notes process. so she asked that they call me in 24 to 48 hours with why it's taking so lone.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. Again I was told that they have no way other than the notes to interact with the Adjustment Dept.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. Again told that they can't contact the Adjustment Dept. & still no update as to what is going on.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/19 I tried to retrieve dispute results and view my credit report on Equifax 's website to find out that Equifax has blocked me all access to my dispute status and my current credit report from its website. Prior to me filling a complaint with the CFPB everything worked totally fine. 

I filed a complaint with the CFPB on XX/XX/19 because Equifax refused to address fraudulent data on my credit report. Equifax has constantly ignored my request to remove inaccurate information and now has punished me to be able to view my information real time because I filed a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: IN

Complaint narrative:
In light of new documentation received by XXXX  regarding disbarment date for the entire life of these student loans Acct # Remove Late Payments & Correct Complete Payment history for these accounts ( Open to close ). Please make sure these are update to show ( NR ) as paid on time and ( ANY LATES ) to paid on time for each and every month. Thanks For each and every one of these loans, this payment dates look pretty much like it does below I know its a lot and I apologize you had to be the one to get this, but thanks in advance for doing this correctly. 
( Accounts with late payments ranging for ( XX/XX/XXXX-XX/XX/XXXX ), which were covered, under either a deferment, forbearance or grace period. As proven via XXXX XXXX XXXX   disbursements )

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 2019-01-19 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: IN

Complaint narrative:
In light of new documentation received by XXXX  regarding disbarment date for the entire life of these student loans Acct # Remove Late Payments & Correct Complete Payment history for these accounts ( Open to close ). Please make sure these are update to show ( NR ) as paid on time and ( ANY LATES ) to paid on time for each and every month. Thanks For each and every one of these loans, this payment dates look pretty much like it does below I know its a lot and I apologize you had to be the one to get this, but thanks in advance for doing this correctly. 
( Accounts with late payments ranging for ( XX/XX/XXXX-XX/XX/XXXX ), which were covered, under either a deferment, forbearance or grace period. As proven via XXXX XXXX XXXX   disbursements )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: IN

Complaint narrative:
In light of new documentation received by XXXX regarding disbarment date for the entire life of these student loans Acct # Remove Late Payments & Correct Complete Payment history for these accounts ( Open to close ). Please make sure these are update to show ( NR ) as paid on time and ( ANY LATES ) to paid on time for each and every month. Thanks For each and every one of these loans, this payment dates look pretty much like it does below I know its a lot and I apologize you had to be the one to get this, but thanks in advance for doing this correctly.

( Accounts with late payments ranging for ( XX/XX/XXXX-XX/XX/XXXX ), which were covered, under either a deferment, forbearance or grace period. As proven via XXXX XXXX XXXX disbursements )

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 2019-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Lender altered my loan without our consent from the principal amount of {$250000.00} ( mortgage and note dated XX/XX/XXXX ) to the principal amount of {$260000.00} ( mortgage and note dated XX/XX/XXXX ). When I discovered the two mortgages and notes. I requested to see the mortgages and notes, but the lenders attorney told us in a letter that no legal authority exits that allows you to demand an inspection of the collateral you gave in exchange for your loan. After the XX/XX/XXXX refinance from the lender, I have never taken any loan from any lender. As at today, I have not seen the note dated XX/XX/XXXX. I believe the Mortgage and Note dated XX/XX/XXXX was copied/altered from the Mortgage and Note signed by us ( me and my wife ) dated XX/XX/XXXX, which lender has refused to make available to us.

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 2019-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I open a PayPal account about a year ago in late XXXX like XXXX. I never used it then XX/XX/XXXX I had a friend send me some money. When I logged in to my PayPal account that evening it showed that my money was there but it said that my friend had sent the money like he was paying for a service or a product so my money would be held from him for 21 days I called PayPal my friend Got sent an email via PayPal to click on something in his email then my funds were no longer pending in my PayPal account they were in there and it said it was available for me to use. So I connected my debit card to my account. Tried to transfer my money to it so I could withdraw some of it and it wouldnt let me. I was on the phone for three hours that night before PayPal closed and they just didnt answer anymore and they had me on hold and they kept telling me I had they had to verify who I was so they verified me through my cell phone they verified me through email. And still that evening to no avail I could not get any money. The next day I was on the phone with them seven different times that wouldve been XX/XX/XXXX to the told all that it took up my whole day about seven hours Ill because every time I went to transfer my money to my debit card or to my bank account so I could get my money out of PayPal it wouldnt work it would say they needed to verify who I was so then I have to sit on the phone at one point I sent on the phone for an hour waiting when it came down to it they said that I could transfer the money to my card thats what I had to do so they had to transfer a portion of it to my card and then they told me it would take 72 hours before would be released to my card because they reserve the right to hold my money for whatever reason they see fit then again they said they had to verify who I was so I answered a bunch of questions that I guess only I would know and I did that and it still didnt clear it up they are still holding my money Ive had no money all weekend I cant even transfer money to a friends PayPal like they said I would be able to do on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: MI

Complaint narrative:
Dear Sir, As per the Experian Credit Report dated XX/XX/XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX ) did fraudulent inquiry on XX/XX/XXXX in my credit file without my consent and without my authorization. I have communicated to Experian multiple times that I do not have any business with XXXX and never ever contacted them and they have been doing fraudulent inquires in my credit file without my consent and without my authorization, same has been disputed and removed from Experian Credit file. Experian entertaining the fraudulent inquiries in my credit file without my consent and without my authorization, I never ever contacted XXXX  for any reason. XXXX  inquiry dated XX/XX/XXXX is a crime, fraud and misrepresentation. I have also locked experian Credit file on XX/XX/XXXX to avoid further fraudulent activities and damages, where experian unlawfully entertaining fraudulent inquires in my credit file without my consent and authorization. Could CFPB kindly direct Experian to remove the disputed and fraudulent inquiry XXXX  inquiry dated XX/XX/XXXX from credit file, which was inquired without my authorization and consent. I do not have any business with XXXX XXXX at any point of time for last 12 years. Could CFPB kindly direct Experian to send me the complete details of this fraudulent fraud inquiry dated XX/XX/XXXX, complete details of fraud alert dated XX/XX/XXXX I am going to submit these fraudulent inquiry details to Law Enforcement Officer and FBI. I think someone using my identity, social, name and address, also kept fraud alert in the place as and when identity thieves applied XXXX XXXX. Identity thieves applied for XXXX XXXX, without my notice and consent. Could CFPB kindly Initiate appropriate action against Experian and XXXX for entertaining fraudulent XXXX XXXX inquiries in my credit file. Could CFPB store my CFPB complaints in the data base, FTC records, law enforcement, identification theft and misrepresentation/fraudulent activity records. Could CFPB kindly direct my complaint to Federal Officer and take appropriate action against XXXX  for committing fraud and misrepresentation using my social, name, address and various identification details.

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 2019-01-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a complaint with Experian requesting them to remove a name that is incorrectly reported to them my official name as it is on my NC drivers License should be XXXX XXXX XXXX. 

One of the incorrect names on the report is XXXX XXXX, I informed them that this was the incorrect information and they sent back that they would not be removing the information, that is the information that is sent to them from another but I would have to contact Experian to be able to contact the source and they supplied me with a number. 
Just because a source gave them the name does not mean that they took it correctly, Experian thinks they are always right and it is my right to have the correct information on file. I think I know what is correct and they act like that I am trying to remove something that is illegal or illegitimate.

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 2019-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/18 a complaint was filed against me from a company called Midland Funding LLC. As of XX/XX/18 a summons was issued ans I'm still waiting to be served. However I have done some research and the business is not licensed to collect debt in my state. I also to my knowledge do not owe this company as I dont not have a contract with them. I first gained knowledge about this collection from a company called XXXX XXXX XXXX  XXXX XXXX. Letting me know that Midland filed a lawsuit and they would mediate for me. The amount that the letter says {$1600.00}. Plus interest and court fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hard inquiry I did not authorize from SYNCB/ Lowes XXXX XXXX FL XXXX on XX/XX/2019. Initiated a XXXX XXXX dispute.

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 2019-01-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
fail to remove a fraud alert and banks holding loans against me because i've been i victim of ID theft

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 2019-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, three checks were written from my account in the amount of {$600.00}, {$600.00}, and {$600.00}. The check numbers were XXXX, XXXX, and XXXX. On XX/XX/XXXX, two more checks were written from my account in the amount of {$800.00} each. These were checks XXXX and XXXX. All of these checks were not mine and were fraud. I filed a claim with Citizens Bank ( the bank which the account was hacked from ) on XX/XX/XXXX. The claim number is XXXX. Also on XX/XX/XXXX, I tried closing my checking account with the XXXX OH Citizens Bank branch. The bank tellers told me my account would be closed and that all attempts to take money out of this account would be put on hold. However, on XX/XX/XXXX, check XXXX was written in the amount of {$350.00}. On XX/XX/XXXX, checks XXXX for {$600.00}, XXXX for {$580.00}, and XXXX for {$520.00} were written. None of these checks were mine and whoever wrote them, spelled my name wrong on the signature line. I filed another claim with Citizens bank and that claim number is XXXX. I was told by multiple members of the claims department that an affidavit would be mailed to me and that I was to sign it and send it back to the claims department. However, the affidavit never came. I called the claims department on XX/XX/XXXX to have the affidavit resent to me and the woman I spoke to said she would have to email her boss to see if they can send another affidavit. She told me to call back Monday XX/XX/XXXX if the affidavit didn't arrive. The affidavit never showed up in the mail again. I called the claims department again on XX/XX/XXXX to ask for the affidavit to be sent out once again. This time the woman I spoke to said she would mail it out and that as soon as I get it, to have it notarized in the XXXX OH Citizens Bank  branch and then fax it to XXXX. This affidavit still hasn't come in the mail yet. 
I also have been charged multiple overdraft fees from my account due to these checks. I was told by XXXX of the XXXX OH branch that all of these overdraft charges would be refunded. On XX/XX/XXXX, {$1600.00} was taken from my savings account and transferred to my closed checking account to cover the overdraft fee. This transfer happened without my permission and I do not know who did this. On XX/XX/XXXX, I called the XXXX OH Citizens Bank branch and they did not know why this would have happened. 
I also have a paycheck that is still in my closed account that I can not transfer to my new account due to the fraudulent overdraft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-19 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 — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
fail to remove a fraud alert and banks holding loans against me because i've been i victim of ID theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Due to a change in my employment and XXXX kids entering college 2014 I had attempted to work with two banks that I had lot loans with in an effort to lower the monthly payments. They could not or would not work with me to construct a proactive solution to my financial issues. I then had to make a decision to assist my children or keep paying into the lot loans. Of course I choose my children and so I let the lots or into voluntary foreclosure. Fast forward to no and one of the loans through XXXX XXXX XXXX has been resolved but TD bank is now reporting that I owe XXXX as an immediate payment. They are reporting that I owe this every month which of course throws off my debt to equity ratio. They didi not wave the deficiency judgement when it was foreclose on so I do owe this money but I believe how they are reporting it is malicious. Even though my credit blemishes are explainable the way this is entered has precluded me from getting any kind of loans for debit restructuring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: CHECK INTO CASH INC.
State: CA

Complaint narrative:
On my XXXX  report a credit inquiry XX/XX/2019 from the following. 
Check into Cash XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX I didnt apply for anything credit or cash Called phone number got automated service left message received no call back

Company response to consumer: Closed with explanation