vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2018 I received two e-mails letting me know I had purchased 3 e-Gift cards. I know I did not do this so I right away cancelled my credit card. Since it happened late at night I waited until the next day to report the fraud to my account at AARP Chase card member services. The charges for the 3 e-Gift cards were from the company named XXXX XXXX   for the amount of : {$100.00} and {$200.00} also {$200.00}. These e-Gift cards were sent to a XXXX account : XXXX which is not my XXXX account so I never received them. The Fraud department at AARP Chase card member service investigated and said the purchases were valid. I called them again to appeal their findings to let them know I did not received them and they were sent to a different XXXX  account. They sent me letter saying the transactions are valid. I can't believe this is happening when I showed them the e-mails sent to me were they have the XXXX  account they sent the e-gift cards too and that it was not to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
For the last four months I have been trying to have my escrow account analyzed to reflect that I no longer pay county tax. This is because I am a XXXX XXXX XXXX veteran, and my husband is a XXXX XXXX XXXX veteran. I became XXXX XXXX XXXX  in XXXX of 2018 ; my county allows for a tax abatement due to my XXXX status. However, US Bank has refused to perform a proper escrow analysis and they are still escrowing for county tax -- which I do not pay. I have tried to resolve this problem multiple times, and they finally updated my tax payment to {$0.00} ; however, they continually fail to complete an escrow analysis and as result they are still escrowing for {$110.00} for county tax -- which I do NOT pay. I want to know why they are still escrowing for an amount of tax that I do NOT pay ; and I want US Bank to stop doing this. I also want to know the legal authority that would allow US Bank to escrow for an amount of tax I am no longer required to pay.

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 monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I ordered my XXXX  report and it indicated that I still have an open checking account with TD Bank. I contacted TD Bank and they confirmed that I do not have any open checking accounts with a balance. They informed me that I need to contact XXXX in order to get the information updated and/or removed. The date it was reported was XX/XX/XXXX. The closure status says : NOT REPORTED. The amount is for {$590.00}. I paid this account off in full in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Submitted on fraud issue : References : XXXX XXXX XXXX After attempting to get this problem fixed Equifax illegally froze my account without my authorization. The issue has finally been resolved but Equifax has not yet acknowledged, except on a phone call, that someone at Equifax broke the law when they added a freeze to my account after I specifically stated that they were not to do this. My whole issue here was that I wanted to be able to self-serve a freeze/unfreeze, so that if I needed to purchase something requiring a credit check I would easily be able to go into all three bureaus, unfreeze, make my purchase, and put the freeze back. What made matters worse is I didn't even KNOW this was done until I had a telephone conversation, and at that point she removed the freeze. 
I submitted XXXX as my demand for financial compensation due to the fact that Equifax BROKE THE LAW when they put a freeze on my account, especially since, in my complaints, I specifically stated that they are NOT to do that. 

I am demanding financial compensation for this breach of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
Lazega & Johanson LLC is a company I don't know. I went to my local Police Department and was told to get a Police Report where I discovered the accounts, inquires, etc at the time my credit was pulled. I did so. I have sent this company my Police Report and FTC report per law enforcement. I have never done any business with this company, I don't owe any money to this company, I have never gotten any products, etc or anything with this company nor given permission for my credit to be pulled with this company. I have two unauthorized inquires on my Credit Report from this company. The dates are XX/XX/XXXX2018 and XX/XX/XXXX2018. This is illegal. My Credit Report has been illegally pulled by this company. This is very illegal according to the FCRA and illegal in general. You must have a persons consent to do so. I did not authorize or give authorization to any company ( s ), person ( s ), or myself to pull my credit.

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 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I keep disputing a debt collection listed on my XXXX  report. It shows that Trans World Systems collection for as of today {$24000.00}. However this was put into a bankruptcy, that included an adversarial hearing which included TWS. This account should be listed as included in bankruptcy and not a collection account. XXXX  and XXXX both removed this account from my credit report. The only one that will not is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
1. This company is calling me up to 13 times per day using a variety of different numbers from all over the country that come through on the Caller ID. If you send the call to voice mail, many times they will call immediately back. 

2. This debt is being reported twice on my credit report. The original creditor is reporting it and Portfolio Recovery is also reporting the same debt. This makes me look like I owe more than what I do and that I have two, instead of one, accounts in default. This is unfairly further damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I keep disputing a debt collection listed on my Equifax report. It shows that XXXX XXXX XXXX collection for as of today {$24000.00}. However this was put into a bankruptcy, that included an adversarial hearing which included XXXX. This account should be listed as included in bankruptcy and not a collection account. XXXX and XXXX both removed this account from my credit report. The only one that will not is Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I applied for loan forgiveness as I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as an XXXX XXXX. I applied under the Public Service Worker forgiveness program only to be told that my loans did not qualify because they were not direct loans. I originally got statements from Sallie Mae that changed to Navient. I have seen the lawsuits against Navient and believe I am one of those affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My father, XXXX XXXX, maintained an account with BBVA Compass. I am the " pay on death beneficiary ''. Following my father 's death on XX/XX/XXXX, I contacted BBVA Compass regarding the process to close my father 's account. I was told that I needed to provide a copy of the death certificate, the " main office '' would confirm its validity ( may take 24 hours ), and I could close the account. I provided a representative of BBVA Compass a certified copy of the death certificate on XX/XX/XXXX along with my driver license. The account is still not closed a weel later! The XXXX representative s state that they are unable to locate the signature card wherein my father changed the account from single ownership to POD. Their computer records reflect this change occurred in XXXX. Closing the account should not be delayed due to XXXX ' shoddy recordkeeping! Please assist me in getting the account closed! XXXX ' " legal department '' has been " reviewing '' this situation since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: PA

Complaint narrative:
On XXXX XXXX I sent a dispute letter to Penn Credit Corp in regards to innacurate information they were reporting on my credit report and demanded the four accounts be removed if they are unable to verify these accounts. 609 ( a ) ( 1 ) ( A ) the original creditor XXXX XXXX XXXX, and the collection agency Penn Credit Corp are required by federal law to verify through the physical verification of the original signed consumer contract. Under this section unverified accounts must be removed and neither party has provided me this physical proof, but still has ability and or authority to report these accounts. I will be filing a police report with the local police department regarding the fraudulent accounts being reported. I have also spoken with a customer service rep from XXXX XXXX XXXX the original creditor, on XX/XX/XXXX, I explained to the agent that these accounts were not setup by me and your reporting is inaccurate and fraudulent ultimately the representative was happy to file a fraud case on behalf of these two accounts and the representative explained anyone can call to setup a service account all a fraudster would need is a name and a social security number she informed me that I would also need to file a police report ( which costs money ) so I will be filing four of them tomorrow. The collection agency Penn Credit Corp is also being sued by me at this time for violating debt collecting laws. They have sent me threatening letters on two occasions afterwards I sent these letters to my attorney whom filed judgement under these unprofessional violations. I have written them back disputing the validation of this debt they just continue to send copies of bills and because through some system consumers are not suppose to know about, these collection agencies can certify validation through some miscellaneous means and the Credit Bureaus are just as corrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: MD

Complaint narrative:
i have a vehicle financed by XXXX XXXX XXXX. I am receiving several phone calls from them on a daily basis every time I am late on my payment. Even the day payment is due including Saturday 's and Sunday 's starting as early as XXXX est up until XXXX. I advised them that my payment will there a few days after the due date and they still call me several times in a day. I asked if I can get my due date changed to coincide with my pay date and was advised that they could not change the date. did not give me a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: AL

Complaint narrative:
I have contacted each credit agency with regards to the XXXX account. I have informed them that this account does not belong to me. However, they continue to report this account on my credit file. Please assist me in getting this matter resolved. 

Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several inquiries that are reporting that does not belong to me : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 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 recently had my credit report pulled on XXXX XXXX and I noticed there were several hard inquiries that were removed and have been reinserted. I called Experian and spoke with a US representative who removed those hard inquiries. I NEVER received a 5-day notice which is a FCRA violation. I am requesting that all hard inquires that are being incorrectly reported be 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 2019-02-14 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:
On XX/XX/XXXX I submitted a complaint with the Consumer Financial Protection Bureaus website to get assistance in correcting this information and Trans Union added more fraudulent addresses for out of state. Now I am submitting an additional complaint and hope this can be expedited so that I can be done once and for all with this. 

On XX/XX/XXXX I paid {$20.00} for a certified letter to Trans Union containing a signed and notarized document, notary certificate and a Identity Theft Affidavit. On XX/XX/XXXX I received confirmation that Trans Union received my certified letter and it's contents. As of XX/XX/XXXX, I paid the credit monitoring website, XXXX a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Trans Union is still on my credit report. There are fraudulent/invalid addresses which are not mine. I have lived at my current residence in XXXX, Ca for over 10 years ( Since XXXX ) and I have never lived out of state. 

On XX/XX/XXXX, I paid an additional {$24.00} to my credit monitoring account to refresh all three bureaus and noticed Trans Union added more out of state fraudulent accounts.

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 2019-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NE

Complaint narrative:
looked at my credit report found XXXX XXXX XXXX XXXX XXXX XXXX. I never have had a card or banked with them. No letter has been sent nor inquire has been made to see if this debt is actually mine. There is no information on this account as well such as account number ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/ 2018 a 10 ton 100 foot tall oak tree crushed my living room. 
In the state of Virginia, that means that the lender CitiMortgage holds funds and releases them as progress is made no the insurance claim. 

As of XX/XX/2018, the living room has been reconstructed, painted, etc. 

The CitiMortgage system for managing inspections to get money released is broken. It has been 6 weeks since I started my request for final inspection and release of remaining funds. CitiMortgage would cancel inspections with no contact or notice. When the inspection was done, it was agreed that 100 % of structural work was complete and minor paint touch up was needed for walls and for floor. 

CitiMorgtage has decided that they will not honor the 100 % structural and are stating, without contacting me or reviewing with me. At first they claimed that only a 33 % complete inspection was done ( again their XXXX XXXX XXXX system is broken ) and then they have decided that since there is still some plywood in my living room protecting the floor while we finish any painting and getting money to pay for removal of the damaged baby grand piano ... .they have decided that we are only 95 % complete and as such will not release any funds. 

I am not allowed to get past any phone support at CitiMortgage to talk to an actual person making a decision. 
This has been gong on for 6 weeks. The amount for the remaining funds is about {$22000.00}. 

I am truly dissappointed at CitiMortgage. They come off as a desperate bank that is not interested in letting money, that is not theirs, go.

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 2019-02-14 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:
I recently had my credit report pulled on XX/XX/XXXX. 2019 and I noticed there were several hard inquiries that were removed and has now been reinserted. I called Equifax and spoke with a US representative who removed those hard inquiries. I have since then noticed that they were reinserted and I NEVER received a 5-day notice which is a FCRA violation. I am requesting that all hard inquiries that are being incorrectly reported be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: AL

Complaint narrative:
I have contacted each credit agency with regards to the XXXX account. I have informed them that this account does not belong to me. However, they continue to report this account on my credit file. Please assist me in getting this matter resolved. 

Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several inquiries that are reporting that does not belong to me : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX

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 2019-02-14 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: AL

Complaint narrative:
I have contacted each credit agency with regards to the XXXX account. I have informed them that this account does not belong to me. However, they continue to report this account on my credit file. Please assist me in getting this matter resolved. 

Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several inquiries that are reporting that does not belong to me : XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/AXXXX XXXX/XXXX XXXX XXXX XXXX XXXX

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