vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX our XXXX XXXX was used at the XXXX XXXX  XXXX in XXXX XXXX Texas by someone other than ourselves in the amount of {$140.00}. We live in the XXXX area which is a little over three hours away and was not in XXXX XXXX that day. Unlike XXXX, who has called us on several occasions about suspicious charges and taken them off when we said we did not make the suspicious purchase in question, we heard nothing from XXXX. My wife discovered the charge when reviewing our statement and called them on XX/XX/XXXX. They credited our account on XX/XX/XXXX and then reversed the credit, putting the charge back on our account on XX/XX/XXXX. Despite many calls to XXXX XXXX they refuse to take the charge off. On one occasion the XXXX rep stated that it had to be us making the charge because it would be impossible to commit fraud because of the chip. This is insulting and ludicrous. Thieves figure ways to commit credit card fraud without the chip constantly. Case in point : fraud on our XXXX card that has happened several times. Our latest call was today. My wife discovered today that they had closed the case but it was reopened. My wife asked to speak to a supervisor but that did not occur. On XX/XX/XXXX my wife has been given the number of a case processor ( XXXX ) who stated on voice mail that she would return the call by the next day. My wife asked what the signature on the XXXX XXXX  charge looked like ; a XXXX rep said it was illegible. Our signatures are legible and we offered to send copies of our signature from old checks. This would clear up the whole problem by comparing signatures. Today the lady on the phone did not seem to grasp that if they really wanted to clarify the problem that this would do it. We would not suddenly use an illegible signature if our normal signature was legible. She said we could do that but they are not asking for that at this time. This is claim no. XXXX per XXXX XXXX XXXXXXXX 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 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have been complaining about the extra {$170.00} XXXX since my husband & I signed the loan modification to keep our home from being sold in a sheriff 's sale the next week. A federal agency called me two years ago as they were doing their investigation on this company & finally CFPB did a XXXX XXXX dollar settlement with them on XXXX 2020. I waited to be notified but never received anything about it. 
I called the Illinois Attorney General 's office who said Nationstar-Mr. Cooper could agree to have a mediation with me. I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
BARCLAY credit card asking for my marital status and if I don't reply credit will be restricted

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 2021-12-03 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In early XXXX, upon applying for a mortgage on a newly built home, my mortgage lender discovered an account placed on my credit profile that has caused a severely crippling dilemma in my home purchasing process. According to the account being reported, there is a balance of {$5700.00} on a closed Chrysler Capital installment account. The account appears to have been opened XX/XX/XXXX, and has been delinquent since XX/XX/XXXX. 

Since learning of this inaccurate account information, I have spend several months in attempting to work with the different credit bureaus in disputing this information that is being reported. Although XXXX major reporting agencies have done the right thing and removed this fraudulent account from my credit profile, ONLY XXXX has continued to fail to do so. I have completed various proof of identify forms, filed police reports, as well as typing dispute letters along with my personal identification and mailing and faxing this to both Chrysler Capitol and XXXX. After nearly a year, no action has been taken. Even when speaking with representative from Chrysler Capital, I was told that my personal information that i had provided, did not match the account holder information that they had on file, so no further information could be given to me. 

I find what Chrysler Capital is doing is very unfair to me, deceptive and abusive in nature, as this can now cause me to lose a {$60000.00} deposit I placed on the new home. And XXXX is allowing this by continuing to report this account with accurate proof from Chrysler Capital that the account infract belongs to me. Because of the personal information not matching according to Chrysler Capital, I am left with no resolution in this matter. 

I have clearly been a victim of identity theft. I have explained to all parties that I do have the exact same name as my father ( First, Middle and Last ) and our social security numbers are also very similar. Although i do not know for certain who opened this account in my name, I do feel that I have provided enough information to XXXX through several attempts to remove this account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I need that XXXX Bank make the necessary adjustments. They removed the negative mark that appears in my credits teports in the month of XXXX for the month of XXXX and included it again in the month of XXXX. They even include an false observation in the report that reads : natural disaster. The problem of this delay was fault of the bank and the XXXX application according the bank informed me. This application was programmed to debit {$150.00} fortnightly and due to a problem that the application had, it only debited {$1.00}. The bank informed me not use that application due to problems I had and they recommended that I switch to " my payments '' app, which I did immediately. This is not allowed by the fair credit law. I have spoken with more than XXXX representatives and they have agreed to resolve the matter and have not done anything. 
Even, I have never received a card statement, this other issues were left to be resolved and they have not done anything. 
This matter has caused me irreparable damage. They have even disabled my account due to an address problem and I have already sent you the required documents twice. They unlocked my card on one occasion and then re-locked it. 
I send him everything I have done in the past emails and I include again my identifications with the electricity bill and the credit report. I demand that they fulfill their responsibility since the damage caused is irreparable. 


I await the call that XXXX XXXX agreed to give me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was searching for a vehicle online and was redirected to a page where I asked about a vehicle and was answered by email as I told them I was interested I a sent a invoice where to send the money I sent the money XX/XX/2021 and then it was turned out to be a scam

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 2021-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a XXXX day late payment reported for XXXX XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
This is a follow up to complaint XXXX. 

You closed the complaint even though it was never resolved. The company has yet to provide me with any shred of evidence that there is a debt. I have received no documentation to back up their claim. 

You simply take their word that they are going to do something, then you cavalierly 'close the complaint '. Your chartered responsibility does not stop there. It is up to you to follow up with the company to ensure compliance, so please do so. This company is rude, unresponsive and unprofessional and it is your mission to protect consumers from predators such as this Eastern something or other. 

Kindly reopen this complaint or open a new one, and stay on the case until there is action. 

thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2021-12-03 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax and a few other creditors are ignoring the FCRA and are reporting violations onto my report causing harm

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 
XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE FINANCIAL SERVICES has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also I still see no payment history, monthly payment, terms, limit, past due amount if there is, and date of last payment on this report. I know this is inaccurate and a clear violation so I demand your agency to send me a complete report and all the documents provided by the company as proof that this account belongs to me. Otherwise, delete it immediately How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had file a claim on XX/XX/2021 when I found out there were unauthorized charge on my account with Wells Fargo bank. Wells fargo bank representative told me there was XXXX transactions total of {$29000.00} that I report unknown charge to me and because it was a high amount of money they need to investigate and notify me within XXXX days. On XX/XX/2021 I decided to call Wells Fargo bank to find out the result of my claim because no response since after XXXX  days then I was told my claim was denied base on their investigation and decision was final. I ask for explanation and documentation and ways to appeal. But I was told decision was final no way to appeal and I have to solve this matter my self outside of the bank on my own. My money is gone from my checking account with Wells Fargo bank. Please help!

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 2021-12-03 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:
My identity was stolen and there are alot of this that are opened under my name which was fraudulent and unauthorized .These items are messing up my life and I need them all removed asap.

Company response to consumer: Closed with explanation