vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX I filed a police report in XXXX XXXX XXXX for a prior burglary of my business.  The thief had access to my personal information and my computer.  Later a charge was made using an XXXX  account for XXXX.  I have made purchases on the XXXX  website but had never used XXXX XXXX   before.  Our business, XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NV XXXX, had been closed since late XX/XX/XXXX.  I reported this transaction to my credit card bank Capital One.  Capital One refused to reverse the transaction and claimed that the person who used my credit card shipped the item to this above address and that supposedly a thief would not do that.  I told them that we have been marked as closed for 2 months so it would make sense to ship it to a closed business and wait for delivery instead of shipping the goods to the thief's personal address where the police can track them down.  I told the bank that I had filled a prior police report for the burglary and that I have surveillance footage of the incident.  Capital One stated that they do not review police reports or camera footage.  They stated that they only go by the fact that the item was delivered to an address that they have on file and that the email address matches on the order.  They refused to view the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
MEI auto finance continues to strong arm me on a auto loan that I have paid off they strong arm me by "timing out" my vehicle. this loan started on XX/XX/2015 they financed $XXXX to which the total I was to have paid at end of loan was $XXXX to date I have paid over $39,000.000 I had a couple extensions of which I paid and now they are saying I owe another payment and have also "timed out" my vehicle whereby leaving my children stranded at school as well as me not being able to get back and forth to work with this being my only form of transportation, they which they know and use this as a means to strong arm additional payments out of me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
XX/XX/XXXX for the amount of $XXXX  then for the amount $XXXX  for collection lass time it update wasXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: TX

Complaint narrative:
To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of $XXXXI am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- COLLECTION ACCOUNT –1. XXXX XXXX XXXX with ACCT #XXXXXXXXXXXXXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.

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 2019-12-12 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: CT

Complaint narrative:
Try fixing this problem. But XXXX  insisted. I have no contract to these people.

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 2019-12-12 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: CT

Complaint narrative:
Try fixing this problem. But XXXX insisted. I have no contract to these people.

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 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This popped up on my credit today. It is not a medical bill I owe at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: TX

Complaint narrative:
To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of $XXXXI am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- COLLECTION ACCOUNT –1. XXXX XXXX XXXX with ACCT #XXXXXXXXXXXXXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.

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 2019-12-12 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: TX

Complaint narrative:
To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of $XXXX.I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- COLLECTION ACCOUNT –1. XXXX XXXX XXXX with ACCT #XXXXXXXXXXXXXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
XX/XX/2019 FOR THE AMOUNT OF {$730.00} AND WAS PLACE FOR COLLECTION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: MO

Complaint narrative:
Dear, Cfpb & Elan Financial Please disregard my first complaint that was submitted. I spoken with an representative from Cardmember Services to resolve this issue long after. I am now submitting this information opening a new case about getting this item removed from the settlement agreement of {$350.00} that was processed on XX/XX/2019. 

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 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Switched mobile carriers due to a promotion and my former company XXXX did not comply with my consumer rights to provide info needed and now trying to collect on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I checked my online checking account with Webster bank and noticed in amount of {$67.00} taken out of my checking. It showed a purchase date of XX/XX/XXXX. And a cleared date of XX/XX/XXXX. The transaction shows it was taken out by XXXX XXXX XXXX XXXX XXXX. Phone number XXXX upon noticing this transaction I immediately called my bank and told them about fraud. I told the to cancel the card and sent me a ATM debit card in the mail as I put in a fraud claim. They came back to me about 10 days later and denied my claim saying my IP address was used the security # on the back of the Visa debit card was used and my House address was given. They sent me an e-mail stating they denied me and to fax 7 questions over to them to reopen the claim so I did. So I also went down to the police station and opened up an identity theft fraud case due to the fact they told me my IP address was used. And then today on XX/XX/XXXX I received another denial letter telling me that my IP address was used in my home location and somebody I know must have made a transaction with my card. I have never authorized anyone but myself to make transactions and I did not authorize that turns action I did not do that transaction. They never gave me insurance money in the meantime to cover it and they told me that they have 90 days to come out with their final denial I told them that doesn't seem correct and why I wasn't given the insurance while they went through the case. They never gave me insurance money in the meantime to cover it and they told me that they have 90 days to come out with their final denial I told them that doesn't seem correct and why I wasn't given the insurance while they went through the case. I never made this transaction I still am fighting this tooth and nail it is all the money that I own at this current time. I have received two denial letters about 3 weeks apart.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-12 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: NM

Complaint narrative:
In XX/XX/2019 I put a freeze on my Equifax because of a security breach through the credit reporting agencies. Today, XX/XX/2019, I went to unfreeze my credit report and when I went to log in to my Equifax account, It wouldn't allow me. So, I requested to reset my password and they said to check my email. I never received an email, so I requested it again. I never received an email the second time. I called Equifax and the recording said I had to answer some security questions before I could speak to an agent. I could not understand some of the questions the automated service was asking, so I failed the quiz. I was able to choose the option to speak to a representative and they said there was nothing they could do for me because I failed the automated quiz. I asked to speak to a supervisor and she said the same thing. I asked to speak to a manager and she transferred me to XXXX, the manager. He quizzed me and asked for my address, social security number and multiple questions about student loans, department store credit cards and their minimum payments, honestly, about 15 questions and then asked me what my employment was listed on my Equifax. I told him my last 2 employers and that I have not worked in 10 years. He said I failed the quiz and he could not help me unfreeze my report. I gave him 100 % correct information as I was looking at my credit report! Aside from having to speak to 3 people and each telling me that I failed, I should be able to unfreeze my credit reports without having to contact anyone. They literally have my credit held hostage! We are getting ready to get a home improvement loan and I don't have access to my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC mortgage has refused to respond to payoff requests. They have been faxed 5 requests between XX/XX/2019 and XX/XX/2019. Each has included a written authorization from the account holder and all requested information. PNC has acknowledged receipt of the requests, yet continues to delay and fail to send a payoff letter for either account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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:
I tried to resolve my issue with XXXX MASTERCARD in XX/XX/XXXX/XX/XX/XXXX when I disputed the way XXXX increased their interest rate from 2.99 % to 32 % +. I was unsuccessful on every level during this time of trying to communicate with them, as they would not talk to me. During this time ( XX/XX/XXXX ) I was not aware of XXXX 's problems with the FDIC. I soon found out there was a Class Action Law Suit against them and XXXX filed for Bankruptcy sometime during the XX/XX/XXXX/XX/XX/XXXXtime frame I believe. I'm not certain of the actual filing date of their BKRPTCY. 

I was working hard at paying this debt off in XX/XX/XXXX/XX/XX/XXXX, as I reduced my balance from {$8000.00} +/- to {$2500.00} +/-.  During this time as I continued to reduce the total owed, I became more irritated that XXXX or a rep would not contact me to discuss my issues. I figured I would stop making payments in XXXX  until someone called me to discuss. That's when XXXX closed my account ( XX/XX/XXXX ). I have attached a couple Statements from XX/XX/XXXX/XX/XX/XXXX where it is printed on the front of the STATEMENT this account is closed. Based on closing my account XX/XX/XXXX due to late payments, this would start the 7 year clock ticking at my first late payment leading up to my delinquency. ( Based on XXXX  's explanation of the most common problem in credit reporting is late or missed payments ), I tend to agree and this occurred on my account mid XX/XX/XXXX. 

Based on these facts ... ..the XXXX  Negative Report has been on my Credit file now for 10 years 6 months & 2 weeks.

I'm asking for the XXXX  File be removed from my Credit File entirely.

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 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
After numerous request with Synchrony Bank. to send me statements for my accounts, I still am not receiving my statements. 
On my XXXX XXXX XXXX Card, my name on the card is incorrect. It should read 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 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have 2 credit card accounts with Bank of America that originally required separate logins to access the accounts online. Sometime back they changed this to allow for a single login for both accounts.

While this may seem to be better for the customer, there is a significant problem with the web site setup that causes the customer to sometimes pay the wrong account and result in the customer paying additional late fees. When I open the website card # 1 is at the top and card # 2 at the bottom, however when I click on the bill pay button the order is reversed. As a result of reversing the order the customer may mistakenly pay the wrong card unless they carefully inspect the account numbers ( which is in small print ).

I talked to a Bank of America agent who said SHE HAD MADE THE SAME MISTAKE and understood why it was confusing but nothing she could do about it. I find this reversing of the account order to be very deceptive and believe it is setup this way to trick the customer into paying the wrong bill for the purpose of collecting additional fees.

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 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with an account listed under Commonwealth Financial. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belong to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank ( AMAZON STORE CARD ) account never sends me a statement. 
Amazon Prime Account Card. No. 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 2019-12-12 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: DE

Complaint narrative:
EQUIFAX Unfortunately after the results of an investigation into HIPAA violations, EQUIFAX continues to report these violations on my credit report. XXXX, the company in violation has placed the burden of correcting and updating my credit report squarely on EQUIFAX. I am including in this complaint, XXXX 'S first response to my request ( validation ) which shows their clear HIPAA violation as well as their attempt at placing responsibility on EQUIFAX. I am also including a copy of a letter that will be sent via certified mail as I am documenting my case without error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Professional Recovery LLC
State: WI

Complaint narrative:
I was contacted by CPR today wherein they stated I had a debt. I demanded they provide verification of the debt, but they refused to do so and said they were turning sending it to the credit reporting agency. I told them that they are require to verify the debt and advised them that they are required by law to verify the debt. The woman against refused to verify the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: WA

Complaint narrative:
Over the course of the past year, I have been lent money from XXXX XXXX, which is an unlicensed lender in my state. I have been charged interest rates and other fees that are not legal in my state. I have overpaid my loan by over {$1000.00}. They are an usurious lender that is hiding behind the sovereignty of a tribal nation to avoid legal trouble, clearly.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IA

Complaint narrative:
I received the account on my credit and this account is from 2013 when my ex husband took out the account in my name, this account is not mine and it took 6 years to show up on my credit, i can send proof of my identity theft affidavit.

Company response to consumer: Closed with explanation