vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 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: CA

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize these inquiries with XXXX XXXX inquired on XX/XX/XXXX.2018. 

Several - over 15 addresses were listed that were NOT mine and addresses I never lived at. Someone tried to use my name and information and apply for credit cards. Many hard inquiries were pulled and my name was listed incorrectly with an incorrect phone number I've never had. 

I called the credit bureaus and lenders to fix and put a freeze on all my accounts. I've ordered all new credit cards and filed a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX sold my loan to SP Servicing in XX/XX/XXXX of this year. I received a loan modification in 2016 from XXXX XXXX XXXX due to a bad loan from XXXX XXXX XXXX. XXXX XXXX XXXX never FLAGGED MY ACCOUNT on none the Credit Bureaus as Modified Loan. But I NOTICED today once SPS finally began to report on my credit after waiting 3 months MY MORTGAGE ACCOUNT HAS BEEN FLAGGED AS A LOAN MODIFICATION. SPS did not do the modification they brought the loan. Further more without me or my husband even knowing now to report that way and bring down our Credit Score FLAGGING our Mortgage Account as a Modified Loan is totally unfair. We went thru that already years ago. To go thru it again with this company is totally unfair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I have payed this debt in full over a month ago and they're still contacting me and have put derogatory marks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX   XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aspen National Financial, Inc.
State: IL

Complaint narrative:
Hello, I have noticed that the debt on my credit report keeps increasing. I have called multiple times for verification and have not received calls/emails/mailed correspondence. The debt began at {$350.00} the {$510.00} and now {$590.00} for maintenance dues for timeshare that I have not owned in more than a year and yet the debt continuously increases. The company has not sent any correspondence though I have asked for verification. I have called multiple times reaching out to Mr. XXXX and each time was unavailable and did not verify the amount or validity of the debt which I stated if verified I would pay, This has not been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/2018 opened acct with XXXX XXXX XXXX I had my own personal insurance on the loan XXXX XXXX took out their own insurance & didn't notify me, then credited it back but repossessed my car. I have several documents XXXX XXXX XXXX has changed their amount several times on me but credited back {$1800.00}.

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 2019-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To whom it May concern ; I file this complaint, because I was a victim of fraud through a store in the XXXX XXXX, which sells the XXXX product, apparently the young woman who sold me the product, used my credit card to continue using it without my authorization and is reflected in my bills of the XXXX Master Card shop your way credit card. Due to fraud I call the customer service and cancel the credit card. I made the complaint, the investigation was done and the fraud staff of shop your way credit card sent me a letter with the solution of my case and " they eliminated the charges, interests, etc. '' The situation now is that the account number of the solution is not the account number of the card where the fraud was made, apart from the company shop your way, they change the number of the card account where the fraud was made, and they put another account number without my authorization, apparently now I have three different accounts and all with my name and address. Every time I call customer service XXXX they tell me that I have three cards when I only had only one, the one I canceled for fraud. It turns out that I sent my payments to this account and they charged me. When they sent me my account statement, I didn't notice that my payment wasn't going down, and I realized that the bill account number is different from the real number of my account. I have so much confusion, and so much trouble with these people from shop your way that now I feel that they are also making me fraud, that's why my complaint. I have not sent any more payments because I feel they are robbing me. I have not seen that they have eliminated any charges, because the account that appears in the solution letter is another account number. I need you to investigate them please, thank you!

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 2019-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: CA

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize these inquiries with XXXX XXXX inquired on XX/XX/10.2018. 

Several - over 15 addresses were listed that were NOT mine and addresses I never lived at. Someone tried to use my name and information and apply for credit cards. Many hard inquiries were pulled and my name was listed incorrectly with an incorrect phone number I've never had. 

I called the credit bureaus and lenders to fix and put a freeze on all my accounts. I've ordered all new credit cards and filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: CA

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize these inquiries with XXXX XXXX inquired on XX/XX/XXXX.2018. 

Several - over 15 addresses were listed that were NOT mine and addresses I never lived at. Someone tried to use my name and information and apply for credit cards. Many hard inquiries were pulled and my name was listed incorrectly with an incorrect phone number I've never had. 

I called the credit bureaus and lenders to fix and put a freeze on all my accounts. I've ordered all new credit cards and filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: IA

Complaint narrative:
On XX/XX/XXXX I sent money via Western Union on-line. I had never used Western Union before. I needed to send {$15000.00}. I saw that I could only send {$5000.00} at at time so I was going to send {$5000.00} three times. When I tried to send the 2nd {$5000.00} and couldn't, I called Western Union immediately and they told me I could only send {$5000.00} in a 24hour period. And I also found out it didn't go directly to the bank account I sent it to anyway, that it takes a couple of days for it to show up. The person needed the money that day. 

I requested a refund on the spot XX/XX/XXXX. I waited until XX/XX/XXXX and it was not yet in my account. I called and they said the refund wasn't initiated until XX/XX/XXXX. I called XX/XX/XXXX they told me that there was a hold on it because it had to be verified. I asked what that meant and I was not satisfied with the explaination, I don't think she even knew what it meant .She said I should have been called for verification. Of course I wasn't. She said she would escalate it. 

I called XX/XX/XXXX and was told it would be in my bank account XX/XX/XXXX. I checked today XX/XX/XXXX and it isn't there. I told the " supervisor '' I was transfered to that I wanted my money in my acoount today and he said he couldn't do that. He said he would " escalate '' it and I told him they already did that on XX/XX/XXXX. He said he would send an email to the department that handled that. I asked to talk to that department. He said he couldn't transfer me there. I asked him what department it was and he said the " card and accounts '' department. I asked him to transfer me to headquarters and he said he couldn't. There is no number for them. 

At this point " someone '' is collecting interest on my {$5000.00}. Because I sent it and couldn't cancel the transaction, I had to borrow {$5000.00} to replace the {$5000.00} I sent and couldn't get back right away. 

Western Union has been lying to me or at the very least putting me off. Since no knows anything over there, I'm afraid I won't ever get it back. 

The original tracking number ( MTCN ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In response to another CFPB complaint that was filed about Bank of America 's predatory XXXX reporting before attempting to collect a debt, I was contacted by the bank 's Regulatory Complaints Servicing department this morning. As you will hear in the attached recorded phone call, I informed the bank that I was located in a one-party state, and that I could therefore record our phone call without their consent or knowledge. The bank representative, XXXX, told me that she couldn't talk to me because of BofA policy. I attempted to explain to XXXX that BofA policy could not preempt state law -- despite the bank 's pattern of feeling above the law -- but she insisted. Before the call comes to a close, I requested an email with XXXX 's full name and phone extension, as I was driving and was unable to write down her contact information. She told me she was sending it " right away, '' and in keeping with the Bank 's pattern of deception and fraud, she did not actually email me. I have no way of getting in touch with the representative who is supposed to be overseeing my CFPB case, because she did not send me her contact info as promised in the attached recording, and when you call the inbound number for the Regulatory Complaints Servicing department, you need an extension to reach your representative. Bank of America is not able to preempt state law with their corporate policy, and I have the right to be able to discuss this complaint with the bank before filing a lawsuit.

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 2019-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX, I signed into my email account and saw two order  confirmation emails from XXXX saying orders had been placed on my account. One was four a bracelet for {$0.00} and the other for screwdriver bits for {$4.00} using PayPal. The XXXX sellers are XXXX companies shipping from XXXX. I did not place these orders and I don't want the products. I immediately filed a fraudulent activity claim with both XXXX and PayPal - Dispute Case ID : XXXX for Transaction ID : XXXX. By the morning of XX/XX/XXXX XXXX received an incredibly surprising reply that after reviewing the {$4.00} transaction PayPal was denying my case and refusing a refund. My jaw hit the floor because I had previous to this placed a lot of trust in the PayPal money back guarantee and the safety of having my bank account information on file with them. 

I called the company at XXXX XXXX on XX/XX/XXXX to again assert my right to a refund for this fraudulent transaction that I did not make. I spoke with a young man that again denied my claim, saying that their review showed no unauthorized 3rd party access to my account ( They must have a pretty worthless process in place ). He refused to elaborate on the details of this determination except to say that whoever made the transaction knew my shipping address. I tried to reason with him the fact that XXXX and PayPal are essentially the same company and XXXX has my PayPal associated to the account, so if a fraudulent transaction is made by an XXXX seller, who may already have shipped to me on some previous transaction in the distant past then they might have that information. I assured him the transaction was fraudulent and that I had not even visited the XXXX site for a couple months. No amount of reasoning could prevail on this obtuse individual whose only apparent purpose with the company is to deny obvious fraud so as to avoid liability. 

In any case, it is ridiculous what they are putting me through over a {$4.00} fraudulent transaction. If they had any collective corporate brainpower they would just cancel the transaction rather than lose all the future transaction fee volume by alienating a good customer. I told them I would report them to the CFPB. I am a man of my word, which is more than I can say about the vaunted PayPal money-back guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a Citi card ( Costco ) which I use for all purchase. Recently I bought an air ticket to visit my mother who was sick and admitted to hospital. Later her condition deteriorated and then I had to change my return ticket for the first time. After that her condition again improved and was discharged from the hospital. After coming back home, after a day she passed away at home. So I again changed my ticket for the second time. 

In the CITI card protection benefit document, the following are mentioned as the reason which is covered. 

" The Covered Travelers Family Member, not traveling on the Trip, has an injury or illness that is either life threatening or requires care from the Covered Traveler ( s ) and is verified by a licensed medical practitioner. '' " The Covered Travelers Family Member, not traveling on the Trip, dies '' However they denied this claim saying this is " Pre-existing conditions ''. 

I called them and they gave the same reason. This is a straight forward claim and I am definitely not happy with this. 

MY CLAIM NUMBER with CITI - XXXX Also attached is CITI benefit documenXXXX.

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 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IN

Complaint narrative:
I had gotten behind on my payments & on the 4th month had to make a large payment or was threatened with foreclosure. I made the minimum payment and subsequently have been making an effort to catch up. On XX/XX/19 I called the online payment center & made 2 payments - my jobs do direct deposit to 2 different banks - so I made a {$120.00} payment from one & a {$1500.00} payment from the other. Each was received the same as usual & I was given confirmation # 's for each. A week into XX/XX/XXXX I received FOUR correspondence letters from Fay Servicing stating my mortgage was in default. Upon calling I was told I could not make 2 payments in one day and the larger payment was not accepted. Not only was I not notified upon submitted the payments but Fay accepted the very small payment over the large one that would have kept my account in good standing. The rep refused to reverse any late payments though she knew I actually made the payment before the end of the month. I was also notified that I had been reported to credit agencies for nonpayment. Fay has also raised my payment as much as {$100.00} a month over the original loan amount & I'm suspecting hidden fees. As a struggling consumer I feel I'm harassed as though Fay wants me to relinquish my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I got a phone call from a Santander representative notifying me that my overdraft account ending in XXXX is 60 days overdue. I was in complete shock since I knew that I have never used my overdraft account. After further research, I found out that the balance from this overdraft was due to a check from the account ending in XXXX, of which I share with a co-applicant. It was the co-applicants check that was overdrawn. I have never given Santander the right to pull money for checking account XXXX, from my overdraft account which is only under my name ( the two accounts were not even opened at the same time ). I did not receive any statements in the mail notifying me that my overdraft account was used. 

On XX/XX/XXXX I reached to Santander and was in touch with a Business relationship manager with the name XXXX XXXX. She very clearly advised me of the following ( in an email - see attached ). 

" I was advised that the delinquencies will be removed if the customer brings the account current, and a new Service Request is submitted requesting to remove the negative reporting. '' I followed through and made the payments the next day as a courtesy even though I still felt that I don't owe Sandander anything. 

But when I followed up with the representative and gave her my payment confirmation, she backed tracked her words and told me she could not remove the delinquencies. 

Santander had no right to use my account for an overdraft from a different account that is not linked in any way. That check that was overdrawn was not mine ; it was from the joint holder from the account ending in XXXX. 

But now Santander leid to me ( very clearly in an email ) when they said that if I do go ahead and make a payment then they will remove the delinquencies, but they just fooled me because after I made the payment, they backtracked their words. 

It is not fair for a bank to promise something and then not do what promised.

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