vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-04 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: FL

Complaint narrative:
I have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for att dating back to several years ago.

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 2018-01-04 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: Phoenix Financial Services LLC
State: LA

Complaint narrative:
my credit profile has been used illegally multiple times and the listed accounts are not mine. would you please remove these accounts from my profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I used to have this credit card ( Chase Freedom ) account since XXXX XXXX, 2012. And it is one of my oldest accounts. I applied for a chase XXXX credit card and was declined. When I received the decline letter in the mail got also a card cancelation letter for my Freedom. for " number of accounts currently in use '' ; " too many accounts opened recently '' My credit score is XXXX. I did not do anything wrong. This is ridiculous technically they are XXXX my entire financial situation and credit record with no real issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MILEND, INC.
State: NC

Complaint narrative:
Contacted MiLend Inc in XXXX, GA back in XXXX of 2017 of securing a mortgage through them. Spoke with a young girl named XXXX who was new with the company. Explained our circumstances of what we were looking for in our loan. She seemed to tell me everything I wanted to hear. We had a fresh appraisal and wanted to use that and not pay for another, " no problem I heard ''. Wanted a interest rate for a 15 year fixed at 3.5 %, yup we can do that as long as everything with you checks out. Both my wife and myself have over a 750 credit score and should yield some of the best rates. Having a credit history of paying mortgages for over 30 years with not ever making a late payment was also another attribute as to our risk factor. Then the phone call in the 11th hour. We have to pay for another appraisal, ok we '' re not happy but we '' ll go along with it. Oh yeah the 3.5 % interest rate is now 4.25 % with a lame excuse of we were only borrowing {$90000.00} and loans under {$100000.00} have to pay more to make it worth it to their investors. Closing costs that were said to be approximately {$2000.00} are now inflated to over {$4000.00}. When I called to talk to a supervisor I was given a run around. At that point we pulled the plug on them. I can only say a deceitful company, shame on them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: VA

Complaint narrative:
i am an XXXX XXXX service member, and i had a transmission go out in my vehicle. i took my truck to a local shop to have the transmission fixed. the company had companies that they had that would give you a loan to pay for the repairs since i could n't afford it at the time, and i got approved with duvera. after a couple of statements, i saw that i was getting charged nearly 96 % APR and that was outrageous. i call the company and told them i was a service member and that i could n't get charged that much for APR and they said they would fix it but nothing has happened. i opened the account XXXX XXXX, 2015 and after 2 years I 've only been able to pay down about XXXX dollars from my original loan and its been 2 years. i still owe about 80 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04 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: FL

Complaint narrative:
I have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for att dating back to several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: FL

Complaint narrative:
I have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for XXXX dating back to several years ago.

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 2018-01-04 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: Coinbase, Inc.
State: IN

Complaint narrative:
Good evening, I recently started trading crypto currency through Coinbase. I bought and sold a few shares and recently decided to cash out my account due to Coinbase issues Id heard about. 

They put these transactions through as debits vs. credits, over drafting the account tied to my debit card. Amounts of {$450.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. 

Ive tried emailing/calling/XXXX and anything else I can think of. This seems to be a very common problem if you dig deeper into this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
There were charge offs applied to my credit score that I was n't notified about after i made payment arrangements with paying off my balances. I told the company during a time of financial hardship that I would be able to pay off the balances within a couple months. The called my job, even hired debt collectors and lawyers to constantly call me while I was at work even after i told them they would need to stop. This is getting ridiculous and I would like both of these companies questioned based upon their collections attempts and not respecting the time window i 've asked to contact me by. Due to the constant calls at work and on my office phone and constantly on my cell phone ( which I used for personal clients ) during work hours I was given a poor review and had to leave my job and resign.

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 2018-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the morning of XX/XX/18, I deposited four checks at Bank of America, three for $ XXXX {$13000.00} each, and one for over {$300000.00}. The funds were put on hold for processing, but within 24 hours, BofA released all my money. My " available balance '' reflected the full amount of the deposits, there were no holds, the money had been withdrawn from the two accounts on which the checks were made ( which were also my accounts ), and so I paid some bills. 

After 8-10 hours, BofA RETROACTIVELY placed a hold on the full amount of all four checks. And my account was suddenly overdrawn. ( Some of the bills were immediate cash transfers to credit cards. ) When I called customer service, I was told that while BofA indeed indicated the funds had been released, I should have known better than to believe it, because it was such a large amount. Additionally, I should n't have deposited the smaller checks ( checks I deposit with the bank every month ) with the large one, because that was the only reason those funds were also subject to a nine-day hold. 

Now I have an overdrawn checking account and many checks and transfers that will now bounce. And several BofA customer-support staff and managers say it 's all beyond their control. 

What 's not beyond my control is finding a new bank, which I will do the moment the funds clear. I 've been a BofA customer all my life, I have a checking account, a money market account, two credit cards and an IRA, and all will be closed. Also, these checks were from my own accounts, and several were regular deposits that had never been held up previously and, again, BofA simply tells me I should have known not to deposit them simultaneously. I also should have known everything would be held for nine days, even AFTER BofA 's own website reflected the funds as cleared for the entirety of one business day.

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 2018-01-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear Sir/Madam, I appreciate if you would help me in dealing with CITIBANK. I find them unprofessional with XXXX regard for customers. CITIBANK Person who makes decisions is not ready to come to phone and the person i have on the phone does not understand my side. I have attached all the documents ( Dispute Letter, FAX confirmation, Address proofs with date and new address insurance ). 

In short someone abused credit card which XXXX/CITIBANK issued on my name. I never received CREDIT CARD OR ANY COMMUNICATION IN THE FORM OF MAIL, EMAIL OR PHONE CALL from any of these involved parties. Part of the reason could be becuase of my residence change. XXXX/CITIBANK sat on credit card for 14 months and later they passed it to collection agency XXXX XXXX which reached out to me at my new address. 

Ever since I found about it i have made every possible effort to resolve it with XXXX/XXXX/CITIBANK but CITIBANK like i said has XXXX regard. I made numerous attempts Summary XX/XX/XXXX I applied for XXXX 's Credit Card ( which is operated by CITIBANK ) in person at XXXX 's store but no confirmation was given to me by store weather my credit card was approved or denied. No credit card was handover to me. 

Later in XX/XX/XXXX - XXXX/collection agency informed me someone abused/fraud that card for {$100.00} in XX/XX/XXXX and it has balance of {$400.00} ( including fees and interest ). XX/XX/XXXX i moved out of my previous address and hence i never received Credit Card or Credit Card Statement or email or phone call from XXXX or CITIBANK about a credit card existed on my name with balance of {$400.00}. 

Regards 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 monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I signed up for XXXX XXXX XXXX card and I always paid of my credit every month I had good credit history. I started off with XXXX and they went up to XXXX because I always paid on time. When they made the switch to Citi Bank they didnt notify me and I had credit that still had to be paid off on XXXX XXXX XX/XX/XXXX I didnt even know where to go I kept logging in on my XXXX XXXX but it wouldnt let me from XX/XX/XXXX till XX/XX/XXXX. Finally in XX/XX/XXXX I received a card and a late fee notice that they were going to go to collections with my debt. I tried multiple times to call back and forth and settle it with them from XX/XX/XXXX - XX/XX/XXXX. I made payments to try and catch up. I finally took out a loan from my bank to pay it off because I did not want to hear from them any more. I would make my payments on time and they still would call saying that I owed money. After paying off the card in XX/XX/XXXX they sent me a statement in XX/XX/XXXX for money I paid off. I called a representative and they erased it and apologized. I have been on it with my credit history before citi bank.

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 2018-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX and USAA have continually raised my escrow payment to compensate for their misdeeds. In approximately one year of having this VA loan there have been three escrow analysis and two payment increases. This is highly unusual and unheard of. 

The first increase, which has already been reported to CFBP, was due to USAA and XXXX targeting and discriminating against this Veteran. They willfully misappropriated my escrow account funds, charged me twice for a hazard payment depleting my escrow account and refused to refund the money they forced me to pay in unsupported fees and escrow " shortages ''. 

I went to pay my mortgage in XX/XX/XXXX only to find XXXX again raised my mortgage payment after performing a third escrow analysis or the second in less than a month. 

Both USAA and XXXX have refused to provide a single point of contact within their company to address this matter and insist that I make numerous calls to talk to XXXX and then USAA even though XXXX is the servicer for USAA. 

I am continually pushed to various agents within XXXX, left messages with no contact names or numbers, calls never returned, charged unsupported fees and forced to spend months pushing them to address these matters. All the while XXXX collects " shortages and unsupported fees '' they refuse to return.This is targeted harassment and discrimination. 

XXXX has refuse to fix their own system and have cause significant amount of distress and suffering. XXXX points to USAA and USAA points to XXXX to fix the fraudulent increases while neither do a thing and charge $ XXXX in unsupported fees and $ XXXX in escrow " shortages '' that both USAA and XXXX admit they created through deceptive acts of double charging and using escrow money for purposes not contractually intended while pocketing the unused portions. 

Simply put USAA and XXXX have continually used misused escrow funds at the expense and peril of the owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I APPLIED AND WAS APPROVED FOR AN AMERICAN EXPRESS DELTA PLATINUM CARD. THE CARD HAD A BONUS OFFER INCLUDED. THE OFFER WAS RECEIVE XXXX BONUS MILES AND XXXX MQM 'S WHEN YOU SPEND AT LEAST {$3000.00} IN THE FIRST 90 DAYS THAT THE ACOUNT IS OPEN. IN ADDITION RECEIVE A {$100.00}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{$100.00} STATEMENT CREDIT IS ABOUT TO EXPIRE AS WELL. I HAD PLANNED TO MAKE A DELTA TICKET PURCHASE WITH CASH + THE SKYMILES BUT HAVE DECIDED TO WAIT TO SEE IF AMERICAN EXPRESS IS GOING TO HONOR THEIR WORD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/17 I sent communication to the company requesting that they validate the debt as I do n't recall having this account. Because of the possibility of this account being a product of identity theft, I asked them for a copy of the original business transaction that binds me to this debt ( Per Section 609 ( e ) of the Fair Credit Reporting Act ). 

the company proceeds to respond to me that they have verified the debt, provides a statement from the original company that explains how the charges were accumulated, however does n't show any original bind contract that I agreed to, which I am well within my rights to request. 

It is unfortunate that a company can not furnish the information requested, but is easily able to apply it to my credit report without any reasonable explanation. This has caused me time and money due to my attempts at purchasing a home with lower interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data Systems has continously placed collections accounts on my credit report between the XX/XX/XXXX and XX/XX/XXXX.  On several different occassions I have disputed the charges because of errors in billing by XXXX XXXX and the accounts being sent to collections before the federally regualted 120 days. On several occassions the results ofnthe disputes have requried that Medical Data Systems remove the collections accounts. The accounts are then removed but after few months the accounts are added but the origianl creditor has been changed from XXXX XXXX to XXXX XXXX. I have contactd XXXX XXXX and they have confirmed that no balance is due at this time. In addition to the disputes, several of the accounts have been paid in full to the original creditor and the legal owner of the collection accounts which is XXXX XXXX XXXX. For example one of those accounts is a medical bill with a balance of {$67.00}. This account balance was paid to XXXX XXXX via personal check and proof of verification was provided to Medical Data Systems but they still refused to remove the account as requested by XXXX. After speaking with XXXX on several occassions they stated that they were still the legal owner of the account and that the acocunt was sent to Medical Data Systems for collection purposes only. I then  contacted Medical Data Sytesm and requested that provide me documentation whichs states that they are allowed to post information on the three major consumer reports on behalf of XXXX and they refused to provide me any documentaion They then stated that no document existed and that they were contracted by XXXX to collect debts. 

I then inquired about validaiton of the debt and Medical Data Systems mailed me copies of my hopsitla bills with all my patient information including services provided by my medical provider. Under HIPPA Act of 1996 Regulations, XXXX XXXX was provided authorization and.or permission to have access to my perosnal medical information. Without my personal medical information Medial Data Systems would not be able to legally collect any balanced owed. They would also not be able to provide the needed information to get the debt paid.

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 2018-01-04 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I submitted a credit card application with American Express which was approved. The application required my physical home address. This is the same address which was included on the credit card application. 

Our mailing address for four different locations including my current address are forwarded a post office box. One credit card was delivered to my physical home address. I added three authorized users explaining to American Express that the additional cards could be forwarded to our post office box. 

Attached is a copy of a letter in which American Express changed my physical address and is requesting my physical address. I called the company several times requesting to speak with a supervisor. The supervisors never returned my call. American Express suspended my purchasing privileges.

Company response to consumer: Closed with explanation