vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 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: OK

Complaint narrative:
XXXX XXXX- Based on these alleged facts, the Complaint asserted a single cause of action for violation of California 's Automobile Sales Finance Act. The Complaint also alleged that XXXX XXXX XXXX was liable for XXXX XXXX 's conduct because it was the assignee of the XXXX XXXX Several XXXX XXXX companies violated consumer protection ... would be waived or forgiven if they accepted certain settlement offers XXXX  : n XXXX of 2017, XXXX  announced a data breach that exposed the personal information of XXXX XXXX people. The company has ... 

other Major violations : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies XXXX XXXX XXXX XXXX XXXX inquires : the dealership violated institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] ... information from the consumer report will not be used in violation of any applicable Federal or ...

XXXX XXXX XXXX XXXX XXXX is fair debt violation XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ftc violations XXXX XXXX wife was affected also same above ss last 4 is 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 2020-02-25 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: OK

Complaint narrative:
XXXX XXXX- Based on these alleged facts, the Complaint asserted a single cause of action for violation of California 's Automobile Sales Finance Act. The Complaint also alleged that XXXX XXXX XXXX was liable for XXXX XXXX 's conduct because it was the assignee of the XXXX XXXX Several XXXX XXXX companies violated consumer protection ... would be waived or forgiven if they accepted certain settlement offers XXXX  : n XX/XX/2017, XXXX  announced a data breach that exposed the personal information of XXXX XXXX people. The company has ... 

other Major violations : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of  consumer reporting agencies XXXX XXXX XXXX XXXX XXXX inquires : the dealership violated institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] ... information from the consumer report will not be used in violation of any applicable Federal or ... 

XXXX  XXXX XXXX XXXX XXXX is fair debt violation XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX ftc violations XXXX XXXX wife was affected also same above ss last 4 is 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 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Santander has not paid the bonus that it promised me. I opened a Santander checking account on XX/XX/2019. The terms were as follows : Complete minimum opening deposit ; Have direct deposits of {$1000.00} or more post to the account in the first 90 days ; Keep the account open and in good-standing for 90 days ; receive {$220.00} bonus. 

I completed the minimum opening deposit on XX/XX/XXXX and received a direct deposit of {$2800.00} on XX/XX/XXXX. My account has been open and in good standing for the past six months. I still have not received the promised bonus. I emailed Santader 's customer service to inquire about the bonus approximately two weeks ago. I received a response stating that they could not answer the question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
1 ) BMO Harris purposely has long wait times to avoid assisting consumers resulting in charging excessively high fees.

2 ) Unnecessary delays in deposits has lead to charging ( {$76.00} overdraft fees ) excessive fees.

3 ) They threatened to changed the status of my account without any warning. They refused to provide new terms or a specific date for when this change would take place. 

Specific Instance : On XX/XX/XXXX I was charged an overdraft fee when I had available funds. On XX/XX/XXXX the BMO Rep provided false and misrepresentative information on several data points. For example, she stated that my  funds were available while the mobile app clearly stated pending. Also they threatened to change my type of account without any written warning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: FL

Complaint narrative:
I have received 2 debt collection agency letters for different dollar amounts for a company I have NEVER shopped in. I have NEVER joined a XXXX 's XXXX XXXX, I have NEVER purchased materials at a XXXX 's XXXX XXXX, and I have NEVER even set foot in a XXXX XXXX XXXX XXXX. 
Due to these 3 conditions, I assume that the so-called debt collection agency and these letters are scam attempts to gain access to my credit. 

I have called the company and attempted to file a dispute and was directed to their website. Their website system for disputes asks for a LOT of personally identifiable information such as bank account name, routing numbers, account numbers, SSN, and DL # s. When I attempted to submit a dispute form without this information, the submission " failed ''. I printed out their PDF for claim disputes and will mail it to them. 

Specific Information regarding this false debt : Debt Collection Agency Information TRS Recovery Services Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX-XXXX  Phone Number given to inquire about these debts : XXXX A second address given to reference debt ... 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Another number given is 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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Since XX/XX/XXXX, I have been a XXXX XXXX XXXX American Veteran ( XXXX ). In XX/XX/XXXX, the Department of Veteran Affairs ( VA ) mistakenly reported me as DECEASED, which also VOIDED my Social Security Number. In XX/XX/XXXX, the Department of Veteran Affairs corrected my VA files ; and also in XX/XX/XXXX, I went into my Local Social Security Administration ( SSA ) office and had my Social Security Number reactivated and reflowed through the SSA system ( see attached entitled SSA Letter ). The only problem I am still having for the past 6 years is when a potential Lender/Creditor request my Equifax  Credit Report. Every time a potential Lender/Creditor request my Equifax Credit Report, the Equifax Identity Report generated shows me as DECEASED ( See attached entitled My Equifax ID Report ). I am not having this DECEASED Identity Reporting problem when Lenders/Creditors request my XXXX or XXXX  Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: OH

Complaint narrative:
Today I was sent a notice of adding more fees to my already ridiculously high fee schedule. I have paid over XXXX $ to this company in fees for withdrawing my OWN money whilst also incurring fees from the ATM holder. Now they've updated that as well and changed the entire network of ATMs to ones that are scarce. They're forcing us to pay these ridiculous fees and all I was told was I could close my account. This is preposterous and illegal!! Taxation without representation is a crime. These fees may as well be considered a tax for being poor or having a financial prison for those who don't wish to have a traditional bank account due to lax cyber security surrounding identity theft and fraud, a headache that many do not want and chose prepaid as an optional replacement. How is this getting by with anyone? 
If I'm going to be bound to pay these fees, I should XXXX well be able to speak to a person in AMERICA who speaks ENGLISH and can Understand me, not to mention the level of service is NON existent. Why is this ok?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Submitted a dispute with Transunion on XX/XX/2020 and dispute was to be completed by XX/XX/XXXX. Received an e-mail that there was a error and I need to re-dispute on XX/XX/2020. The dispute is that I paid XXXX XXXX off and I received a letter stating this .My report is supposed to read XXXX balance account closed paid/settled. Transunion is reporting account is still open and reporting an incorrect balance. They also lowered my score for disputing this. Trans union is refusing to look into this as if they are angry that I paid the account off. To ask me to file a dispuste again has reset the date to XX/XX/2020. If they would have done the first dispute the end time would have been XX/XX/XXXX. The other two bureaus XXXX  and XXXX are reporting correctly why aren't they. I feel they should finish this investigation by the original date. Which is XX/XX/2020. I know they make money this way but please report correctly. Original amount XXXX paid to XXXX amount and closed and settled on XX/XX/2020. Originally Disputed XX/XX/2020. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Total Loan Company, LLC
State: IL

Complaint narrative:
Numerous calls throughout day and night and not given a call back or voice message when calls are done during late hours or work hours. 

XX/XX/2020 recieved a threatening letter stating intent to be hit with a lawsuit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: GA

Complaint narrative:
There were two accounts that appeared on my Equifax credit report from XXXX XXXX XXXX. with account # XXXX & XXXX that I have no knowledge about. I sent a certified letter to XXXX XXXX XXXX. to validate the debt in fact belongs to me on XX/XX/2020 and asked them to provide the following documentation : " An explanation of what this alleged account balance is for ; A calculation of this balance, including the complete payment history on this account, so I have proof the amount is correct ; Documentation showing I agreed to pay this debt ; Provide the agreement that grants them the authority to collect on this alleged debt ; and A copy of their State license ; including license number '' and their response on XX/XX/2020 stated they searched their records with my name and address and were unable to identify the account or account holder. 

I mailed a certified letter to Equifax on XX/XX/2020 & XX/XX/2020 advising the creditor failed to validate the debt and under the FAIR DEBT COLLECTION PROTECTION ACT this debt should be removed from my report or provide validation documents confirming this debt belongs to me. I also received an updated dispute response from Equifax dated XX/XX/2020 stating they verified the debt belongs to me ; but no documentation provided again to show proof the debt in fact belongs to me as stated in paragraph above. If the companies can not provide proof of validation of these two debts then the accounts need to be removed from my Equifax credit file confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
Was contacted by Meseri and Kramer constantly. I told them not to call but they continued. I asked for proof of the debt and they have not responded to that request. They sent someone with documents indicating they were going to sue me.And this person came to my door and tried to force his way in my home, I blocked him took the papers and then went out and took a picture of his licence plate and reported him to the police.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Was contacted by XXXX XXXX  XXXX constantly. I told them not to call but they continued. I asked for proof of the debt and they have not responded to that request. They sent someone with documents indicating they were going to sue me.And this person came to my door and tried to force his way in my home, I blocked him took the papers and then went out and took a picture of his licence plate and reported him to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I settled this account on XX/XX/2020 for {$200.00}. I received a letter stating that my balance is now {$0.00} from the corporate office as requested on XX/XX/XXXX, and that they would inform XXXX, XXXX  and XXXX  within thirty ( 30 ). As of today, they are still incorrectly reporting a balance of {$210.00} on my XXXX  and XXXX  credit report. I have contacted the corporate office asking that they report the account with a XXXX  balance, but to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/XXXX-present Fifth third bank continues to have unusable online banking. There are complaints all over their social medias from hundreds of people with the same issue for the same amount of time. Not only is the online banking not working, the company refuses to communivate with their customers or give updates. At most they have a random person give generic answers to a few comments and thats it. When you call their customer service line they either do not pick up to talk to you, or you waste an hour of your time to talk to someone who has no idea whats going on, or has no way to give a status update. This is unacceptable, these incidents are not far and few inbetween. 
If one only reads the horror stories on fifth third banks social media accounts and reviews that were given, the reader would surely just think this bank is filled with crooks. It was only a few months ago that fifth third bank went down entirely and no one could access their funds, with no communication from the bank, other than a few responses to comments on their XXXX, nor could anyone get any kind of answers. Something needs to be done about this company immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I contacted Dovenmuehle mortgage about removing the PMI on my home. According to public records, the local home sales has brought my LTV to 78 %. They denied my request and stated that I was 30 or more days delinquent in the past 12 months. This information is incorrect. I have not exceeded 30 days from the due date which is the XX/XX/XXXX. I am assuming they are using the the guidelines of the FCRA. I am requesting written clarification and proof that I exceeded 30 day period. In regards to speaking to someone directly in the escrow department, I am screened and told to write a letter. My initial contact on XX/XX/20 involved a phone request through a customer service request. My second contact on XX/XX/20 involved an eFax to their escow dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched Fraud Claim letter dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX. ( Explains TEMP CREDITS ARE MADE PERMANET WHEN INVESTIGATION OVER. ) {$470.00}. ( **Please confirm PERMANET CREDIT APPLIED effecting my bal. ) Please explain HOW PERMANET CREDITS APPEAR ON STATEMENTS so I can find All these Credits. See attatched statement XX/XX/XXXX There are TEMP CREDITS to begin fraud investigations TOTAL TEMP ADJUSTMENT PURCHASES CREDITS are {$320.00} PLEASE CONFIRM THESE HAVE BEEN MADE PERMANET. The investigation MUST BE OVER BY NOW. see attatched Statement XX/XX/XXXX TEMP ADJUSTMENT PURCHASES CREDITS PLACED TO BEGIN FRAUD INVESTIGATIONS They TOTAL {$1.00}, XXXX TOTAL TEMP CREDITS THAT ** NEED TO BE MADE PERMANET. Investigation MUST BE OVER BY NOW. TOGETHER THERE ARE {$1.00}, XXXX TEMPS NEEDING MADE PERM XX/XX/XXXX XX/XX/XXXX and XXXX {$470.00} NEED PERMANET CREDITS APPLIED FOR ALL THESE TEMP CREDITS TO BEGIN INVESTIGATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I lost my job a few months ago I started to get unemployment so I call the mortgage company to let them know the situation and that at this moment only income that I have coming in is my unemployment to see if they will work with me but that did not happen so because of that I fallen more behind on my mortgage now it's been 7 months since I mad a payment on my mortgage I called the company every chance that I got to see can I work out something and they refuse all they talk about is me paying all the seven months and all the fees that call mes with it over {$7000.00} money that I don't have at one point they put me on a payment plan that I could not afford because only thing I was getting what's the {$510.00} from unemployment they had me on a repayment plan off almost {$1300.00} a month something that I could not afford and now I am pending foreclosure now I am working full-time 40 hours a week and they still refuse to assist me no matter what I do no matter how much documents I show them about the job they just want to foreclose on my home to a point now that I am going to file for bankruptcy to keep my home. They receive all this bailout money and still refuse to help homeowners that is struggling to keep their home and make their monthly payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, First of all I would like to thank you for removing my fraudulent information reporting on my file. But In doing so you s also decided to delete my 4 Student Loans, XXXX Account, last year you removed two XXXX XXXX Accounts, 3 XXXX accounts, and a XXXX. I am currently requesting that you place my correctly paid as agreed accounts to my report and stop reporting the fraudulent information. I have enclosed a copy of my credit report showing accurate information that needs to report and not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
We have contacted both XXXX XXXX XXXX XXXX of XXXX, WI and they have assured us this has been resolved and would be removed from their records. It has never happened. We are trying to dispute this through Experian and Experian claims they can ever only once process a dispute. The last time was a year 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