vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-16 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: NY

Complaint narrative:
please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now

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 2018-06-16 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: NY

Complaint narrative:
please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: NY

Complaint narrative:
please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now

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 2018-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Sunday, XX/XX/XXXX, credit was denied based on discrimination. Specifically, Citi bank ( Sears MasterCard ) "  escalation specialist ' ( XXXX ) told my husband over the phone that my application for Sears MasterCard was denied based on my XXXX name ( or national origin ) in violation of law. 

I received a letter from Sears MasterCard dated XX/XX/XXXX ( attached ) requesting additional information. 

I responded to the denial and letter with my letter dated XX/XX/XXXX ( attached ). I specifically included identifying information such as, reference number provided by Sears MasterCard in their initial letter, my name, social security number, and contact information. My letter was sent via priority mail with a USPS tracking number. 

Sears MasterCard ( Citi bank ) replied to my letter with their letter dated XX/XX/XXXX ( attached ). Their letter was sent in " bad faith '' asking for identifying information that had already been provided in the letter I had sent to them. It is obvious Citi bank is trying to deter my complaint of discrimination by intentionally not responding to the complaint outlined in my letter.

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 2018-06-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I mailed out a debt validation letter to Online Information Services on XX/XX/2018 requesting that they send me a signed contract proving that the account they have listed on all the credit bureaus was in fact my account. They sent me a copy of a bill directly from XXXX XXXX. A bill is considered a verification I did not ask for verification I asked for validation as per the FDCPA, I have the right to request this, which would be a signed contract showing my signature to in fact prove that the account is mine. I have no knowledge of this account and a copy of a bill is not proving that the account is mine. Without validation I am not liable for this account and I am not obligated to pay off this debt since it does not belong to me and there is no signed proof that it does. Below I have attached a copy of the debt validation letter that I sent to them. I have also attached copies of the certified mail receipt and tracking information. I have also included 2 pages of their response that was not validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After applying for a loan, my credit was ran and to my surprise there was a collection reporting from a XXXX XXXX  that I had no clue of. The credit bureau has been reporting this under my social security number. Thy are reporting inaccurate and incomplete information. I send them a certified letter in the mail with tracking number XXXX XXXX XXXX XXXX XXXX demanding a validation of this medical account as I have already contacted the medical facility and of course they cant provide the statement at the time. Since they could not provide an itemized statement for the services, they clearly are in violation of the FCRA and FDCPA. With that being said I demanded that the credit bureau complete the investigation of the allegedly medical collection and remove it because the provider can not validate the information being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/2018 TD Bank Reversed A Provisional Credit Back To My Checking Account And My Account Is Negative - {$210.00} and my account is being used for Social Security Direct Deposit and TD Bank Claims There Going to Keep Money From My Social Security Check and this transaction was a Fraudulent Charge and TD Bank Denied the Investigation For The Claim USPS And i did not do this transaction please help me resolved this problem TD Bank is Stealing My Money Off My Checking Account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A MERCHANT IN THE INTERNET ADVERTISED A BEAUTY PRODUCT FOR FEMALES THAT WHEN APPLIED TO THE FACE WOULD HELP THE APPEARANCE BY REMOVE OLD AGE SPOTS, ETC. THEY WOULD SEND SAMPLES OF THE CLEANING CREAM AND A " MOISTER TO APPLY BEFORE THE MAKEUP. WE ONLY HAD TO PAY THE SHIPPING CHARGE OF {$4.00}. WE ORDERED THE SAMPLES AND WE CHARGED OUR BANK OF AMERICA CREDIT # XXXX XXXX XXXX XXXX. WE RECEIVED THE ITEMS WITH OUT ANY CORRESPONDENCE OF ANYTHING. THE WRITING ON TH ITEMS COULD NOT BE READ WITHOUT THE XXXX XXXX TELESCOPE. WHEN WE RECEIVED OUR CREDIT CARD STATEMENT WE WERE CHARGED $ XXXX ADDITIONAL FOR THE SHIPPING AND WE RECEIVED TW0 CHARGES OF ABOUT {$98.00} FOR EACH ITEMS. WE CALLED THE MERCHANTS AND THEY TOLD US THAT WE HAD TO RETURN THE ITEMS WITHIN 14 DAYS IF WE WERE NOT SATISFIED OR WE THEY HAD THE RIGHT TO CHARGE US THE COST OF THE ITEMS. WE TOLD THEM WE PURCHASED " SAMPLES '' ONLY. THEY TOLD US THAT WAS THEIR POLICY PERIOD. WE CALLED THE BANK OF AMERICA CUSTOMER SERVICE AND THEY TOLD US WE HAD TO PAY THE AMOUNTS PERIOD. WE WROTE MANY LETTERS TO THE BANK AND EXPLAINED THAT WE PURCHASED " SAMPLES. 

WE TOLD THEM THAT THIS WAS A SCAM AND WE WERE NOT GOING TO {$200.00} FOR SAMPLES AND WE RETURNED THEIR CREDIT CARD. 

THEY HAVE CONTINUED TO CHARGE US LATE FEES AND INTEREST WHICH TODAY TOTALS {$440.00}. WE BELIEVE THIS IS A SCAM AND BANK OF AMERICA IS A CO-DEFENDANT OF THIS SCAM. IN MY XXXX YEARS I HAVE NEVER HEARD, EXPERIENCED, OR READ WHERE YOU BUY A SAMPLE AND LATER YOU ARE CHARGED THE PRICE OF A NON SAMPLE.

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 2018-06-16 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: AFNI INC.
State: GA

Complaint narrative:
This collection was previously disputed with the CFPB and removed from my report in the past. The company, XXXX, has now re-assigned this account to another collection agency and re-aged the debt. The debt was initially removed because the account was being reported twice. The account was re-add and a letter advising me that it was being re-added was never sent to me ( my first CFPB complaint that resulted in a removal of the account ). XXXX has now given the account to AFNI and re-added the remarks to my report with a start date of XX/XX/2018 for an account that was closed more than 3 years ago. A letter stating that the account was being added was not received. 

XXXX continually reassigns and re-age debts. The previous response from the previous collector has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I needed to make a payment to XXXX from United States through the websites such as XXXX XXXX and XXXX.. XXXX is giving an error sothat I tried with XXXX, but when I tried to login to my capitalone savings account from XXXX, capitalone is blocking my access to my account through my XXXX  account. I need to connect my capitalone account to my XXXX account, but capitalone is not allowing me to enable external applications. And when I tried to contact them, they were unable to solve my problem. Please do the needful with my problem and grant me to enable external applications for my capitalone account. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Credit bureau will not delete XXXX account as they do not know who bought account it shows sold to another lender. This consumer sent a certified letter to all bureaus invoking my rights and the dispute shows nothing changed, debt collector unknown. If this cant be verified it must be deleted.

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 2018-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
I am filing this complaint in regards to an account that is being reported on my credit report by this collection agency. They brought this alleged debt from a different collection agency that in terms had no right to collect so they withdrew from collecting and now this collection agency is reporting on my credit report in violation. They did not send me any notification or any chance to even dispute this account that they are reporting under my social security number. if they claim to have send me something I would like to know what the tracking number is so that I can track where this was send because this is a clear violation of my rights and I demand that this account is removed immediately and not continued to be sold that this stops here and right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I couldn't open a checking or savings account or mutual fund the reason is a bad credit and money owed to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Credit bureau will not delete XXXX account as they do not know who bought account it shows sold to another lender. This consumer sent a certified letter to all bureaus invoking my rights and the dispute shows nothing changed, debt collector unknown. If this cant be verified it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Credit bureau will not delete XXXX account as they do not know who bought account it shows sold to another lender. This consumer sent a certified letter to all bureaus invoking my rights and the dispute shows nothing changed, debt collector unknown. If this cant be verified it must be deleted.

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 2018-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/2018, a suspicious charge was made on my debit card to " XXXX XXXX XXXX '' for the amount of {$100.00}. apparently, XXXX XXXX XXXX is a vitamin/supplement company. a phone number for the company was included on my bank statement. I gave them a call to dispute the charges, and they mentioned that the transaction was already flagged as suspicious on their end. the only information the company was able to tell me was that the charge came from XXXX. I reside in XXXX. the company told me they would refund the amount. I reported the incident to my bank and immediately cancelled my card. i have also reported this to law enforcement and other government agencies. hopefully, my experience will help reduce, eliminate, and/or prevent this type of criminal activity from occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc.
State: MD

Complaint narrative:
Beginning in mid-XX/XX/2018, I attempted to secure a student loan refinance from SoFi for approximately 58,000 dollars. I submitted all required paperwork, as did my cosigner ( my spouse who is on a XXXX XXXX through marriage ). After two weeks of hearing nothing from XXXX, I contacted them multiple times at the end of XXXX -- both on the phone and through their live chat -- to discuss what the hold up was. It was uncovered that they were having an issue contacting my future employer to verify my offer letter. On XX/XX/XXXX, I called them in person after spending a few hours of my own time to find additional contact information for my new company 's HR. I was told then that the application was complete and would finish processing in shortly. The next day, I got hit with an address verification request for documentation because we had just moved. XXXX stated that they would only accept a bank statement, but I had not received one with the new address because we had just moved a few days prior. Once I told them this, they decided that they were willing to a screenshot of my bank 's website showing the updated address. That same day, I logged in and noticed that XXXX had unilaterally updated my requested loan amount from ~58,000 to over 80,000, which I at no point requested them to do. It took two phone calls and three web-based live chats to get this problem solved. Then, this morning, XX/XX/XXXX, they requested an XXXX for my spouse, who was acting as my co-signer so that we could get a better interest rate. We have only been married for two years and have not yet been required by the USCIS to file the XXXX, as my spouse 's initial XXXX XXXX still has validity. Had SoFi told us in their application materials that we would need an XXXX, we would never have filed the application. Their omission of this during the initial stages of the application has led to considerable wasted time on my end and has dinged both of our credit reports with hard inquiries. Today, XX/XX/XXXX, I called into XXXX and spoke to a supervisor for the third time in two days about my application. They told me that if I could not furnish an XXXX they could not move forward with my application. At no point prior to this, not even in my various phone calls and web chats with them about this application did they mention this possibility or that they would need this document. Today, I talked to XXXX, one of XXXX 's supervisors. When it became clear that they were not willing to work with me on this issue, I notified her that I expected XXXX to immediately remove the hard inquiries from both mine and my co-signer 's credit reports and that I would be filing a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
The principal amount owed on my mortgage is {$190000.00}. The original appraised value of the home was {$250000.00}. I am still being charged for PMI each month even though my principal is below 78 % of the original appraised value. I called Seterus in XX/XX/XXXX and they told me that I would no longer be charged for PMI as of my XX/XX/XXXX statement. I was charged for XX/XX/XXXX and my XX/XX/XXXX statement shows that I am still being billed for PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, C/O RESURGENT CAPITAL SERVICES XXXX   XXXX XXXX XXXX, SC XXXX is the collection agency attempting to collect on a " Re-Aged '' account. There has never been any activity on this account but the collection agency sought to make it appear falsely to have recently had activity to falsely make the debt appear to be current. they falsely claim the debt Opened, XX/XX/XXXX ( 6 mos ) when in fact the debt was originally with XXXX  XXXX XXXX XX/XX/XXXX and was successfully resolved with them verifying the debt was not owed, and then removed form the credit report. XXXX purchased the file ( probably along with numerous others ) and sought the action without verifying the debt was owed. 
I contacted the collection agency and demanded verification of the debt, I contacted the collection agency and demanded the proof the purchased the debt, I demanded the collection agency remove the debt form negatively affecting my report. I filed these documents directly in writing over 3 mos ago and they have failed to respond timely as is required, and failed to act upon the duties held under Fair Credit collection act. 
I wrote to the collection agency the following : If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have Already done so ), also report that the debt is disputed. 
I also spoke with XXXX who indicates they reflect no such debt outstanding in their records, the resolve with XXXX was that they had continued billing after move out date and stop service notification. The Michigan Public service Commission also helped to resolve the claimed bill owed as I remember, XXXX XXXX The following is appearing on my report : ( XXXX ) XXXXLast reported : XX/XX/XXXX {$160.00} Needs Attention Account status- Open Type -- Responsibility - Individual Remarks : Account information disputed by consumer, meets FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I don't know what companies are involved. This could possibly be from the Experian data breach. I received a letter from the IRS alerting me of an Employment related Identity Theft Notice. They believe another person used my SSN to obtain employment. They sent me the notice to make me aware of the incident so i can take appropriate steps to protect myself from any potential effects of identity theft. They placed a marker on my tax account to identify that i may have been a victim of identity theft. I was referred to your site by XXXX instructing me to submit a complaint. I have also submitted a complaint to the FTC. All of my accounts have been flagged. I would appreciate any further information you can provide. 

Thank You, 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