vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: NY

Complaint narrative:
On XX/XX/2019 at XXXX there was an unauthorized transaction of {$400.00} withdrawn from my account. On XX/XX/XXXX I tried multiple times to withdraw the money but was unable do to Insufficient funds. As a result not only the {$400.00} where goned but I was charged multiple times a fee for insufficient funds. On XX/XX/XXXX, I filed a complaint with the company and case ID XXXX was opened. On XX/XX/XXXX, I called customer service and was told to send an email stating what happened and that the card was with me the whole time. On XX/XX/XXXX, I called and was told that my case was closed without any explanation, I was told to write another letter stating what happened and requesting to have the case re-open. I called again on XX/XX/XXXX and was told that my case was closed. No explanation was given to me.

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 2019-07-02 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: NC

Complaint narrative:
XX/XX/2018 is when I first noticed that I was a victim of identity theft. Since then I've filed a police report, contacted the credit bureaus and creditors but I'm still not receiving any cooperation concerning the accounts that I list are not mine. I've ask the creditor to send me contracts in writing with my signature and I haven't received anything.

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 2019-07-02 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: NC

Complaint narrative:
XXXX of 2018 is when I first noticed that I was a victim of identity theft. Since then I've filed a police report, contacted the credit bureaus and creditors but I'm still not receiving any cooperation concerning the accounts that I list are not mine. I've ask the creditor to send me contracts in writing with my signature and I haven't received anything.

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 2019-07-02 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: Credit Karma, LLC
State: FL

Complaint narrative:
I have submitted disputes through credit karma directly to XXXX  and XXXX  for the same matter and seems to have affected my credit score. I am currently in Chaoter 13 Bankruptcy and they are reporting I have a delinquent account for the amount of XXXX XXXX I have notified my lawyer as well. Last month my score instantly dropped from a XXXX all the way down to XXXX and other than this account I cant find any information on why this has happed to my score. I have done everything I can to get an answer or help getting this removed being that all of my debts are in with the bankruptcy. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I reported a scam on my bank account on XX/XX/19 ( TD Bank ),  and was told the money would be refunded in 3-5 days. The total was {$3000.00}. 

I called back after 5 days and the next person I talked to said I dont know what that person was talking about, your fraud claim was rejected I filed an appeal, and kept calling and calling- I even went into my local bank at XXXX and XXXX XXXX in XXXX , and called several times. No one got back to me. 

I gave up, became depressed- but figured I would reach out here to see if anyone could help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AZ

Complaint narrative:
Received a debt collection in XX/XX/2019 to my name and address from Afni regarding creditor account XXXX originated from XXXX for {$260.00}. I have never done business with XXXX. I have contacted both Afni and XXXX. I need this debt to be removed from my name and address immediately and also not show up in my credit reports. Please do the needful as soon as possible. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
On or about XX/XX/2019 I called and asked the company if there was anyway to refinance the loan for lower payments because I have been an excellent customer who has paid on time for the past 12 months. They said NO they could not change the terms of the loan. I then asked them if they would extend me more credit again because I am such a good customer with stellar payment history. They again said NO. They said the loan would have to be paid in full first. I initially borrowed {$2600.00} and have since paid back {$3400.00} and still have {$7000.00} in interest alone to pay back at 135 %. The interest is {$300.00} a month! I believe strongly that they fall under the guise of a Predatory Lender preying on people that are down on their luck, backs to the wall, with nowhere else to go! They are not playing fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, I observed a deduction of {$820.00} check in my checking account with Bank of America. I attempted to stop the transaction the same day, but the fraud claim department had stated that the stop can not go through because someone had cashed in the check. On XX/XX/2019, I received a letter from bank of america and a copy of this forged check ( see attachment ). This unknown suspect was able to tamper an old check of mine ( check # XXXX ) and changed the check number to check # XXXX, the date, amount, and the payee. Currently in my possession, I have check number XXXX untouched. I have filed a police report on XX/XX/XXXX-19 about this forgery and I have also called the bank of america fraud claim department numerous times and faxed them the evidence and the police report. It took approximately 60 days to resolve with me constantly calling them for a status report and with no answers. I finally received a letter onXX/XX/2019 from bank of america denying my claim because the signature is consistent with the account. The problem is that they didn't investigate how the check number XXXX doesn't match the one I currently posses ( a blank check ). The check was clearly forged by the suspect and used an old check of mine, which clearly still has my signature to produce this other check. It took them 60 days just to say that signature matches the account, while they didn't investigate it further and try to see that the check was clearly tampered with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02 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: VA

Complaint narrative:
I am a victim of identity theft

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 2019-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I XXXX XXXX have Noticed a Collection debt from americollect showing a balance from XXXX  XXXX XXXX XXXX XXXX of {$400.00}. Ive called. Americollect and asked for information on this they said what the hospital name was and i do recall going to XXXX XXXX XXXX hospital on or around XXXX of XXXX so i called the hospital XXXX XXXX XXXX hospital billing department and asked for my itemized bills if they were paid by my insurance and or sent to collections. Hospital tild me they dont send bills into collections. So i called my health insurance provider and asked if i had any bills with an amount due or if any was sent back and they stated no as well. Ive had medicade my whole life and have never had an issue. I pay my bills no matter if its paynents or not. Well i called americollect back and explained what i was told by both my insurance and the hospital billing department and they said it was sent to XXXX which is the hsopitals billing agency or somthing like that. Well ive reached out to them and asked for the bill thats due of th e amount of {$400.00} and i have yet to recieve that. I asked why wasnt i informed or noted of this bill before it went into collections having 4 month period from the time they said i went to the hospital which was in XXXX of XXXX and was recieved to collections on XXXX of XXXX i was never called which ive had the same number since. i havent recieved a bill or anything. Ive had my social secreity card stolen from me when i was a teenager. About XXXX XXXX XXXX. Ss has flaggd my account since. Well since no one can give me detailed i formation or couldnt reach out to me to pay this debt owed. I have lost out on alot of money by getting my credit up high to americollect to destroy it by dropping me down 60 points. I need help figuring this out. The hospital sent me my bills from that month and year which neither have that amount owed or date. I have all proff i need so why cant XXXX  help me when i pay them to check my crwdit every month. This is getting out of hand. And ruining my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received two pieces of mail to my home. One claiming a potentially fraudulent card was applied for in my name for a Home Depot store card provided by CitiBank. Looks very real. The second letter, arriving one day later claims I am approved for this card. Both of these letters look real. At no point did I apply for a Home Depot card.

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 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft

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 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of identity theft

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 2019-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
As a XXXX XXXX veteran, my wife and I reluctantly closed on a loan ( XXXX ) in XXXX, NV with Navy Federal Credit Union and XXXX XXXX XXXX for {$320.00}. Because of their miscommunications and incompetence, they put our financial future at risk by not delivering our closing documents to the title company in a timely manner. The contract on the single-family residence was to be executed by XXXX19 which they assured us it would be completed and submitted before this date. However, when we showed up for our XXXX closing on XXXX19, the staff at XXXX stated that we were not cleared to close because NFCU had not  submitted the loan documents yet. This was very alarming because it not only jeopardized us losing the deal but also our {$5000.00} earnest money deposit, which was decided by NFCU to be rolled into the closing cost and not returned to us at the closing which was what we wanted, {$600.00} appraisal fee and {$320.00} inspection fee. Consequently, we had to sign the incomplete loan package or loose our hard earned money. At the closing, we were shocked to find the following items were missing or incomplete : 1 ). Did not include a Truth in Lending disclosure to fully explain the terms of the loan.

2 ). Did not include an Amortization schedule.

3 ). Parcel ID number was missing from multiple pages.

4 ). Did not include pest inspection invoice that was submitted at least twice.

5 ). Told us that we were responsible to go back home and wire a penalty cost transfer {$1100.00} to NFCU which was no fault of ours but rather NFCU not being able to have the completed paper work timely to XXXX. 

I explained from the start of the loan on XXXX19 that I needed the EMD back after escrow so that I could make repairs to the house. 

XXXX, NFCU loan officer told us we had to bring {$1100.00} to the closing just to do the deal but actually it was to be wired. They actually penalized us for their fumbles and mistakes. I feel like I was bullied and strong-armed into the loan. Looking back at this experience, it was a horrible business encounter that I wouldn't wish upon anyone. Especially veterans who trust NFCU to protect their hard earned money and investments. 

I'm still in shock! How could this happen? I don't know what to do. I would greatly appreciate some help and expertise in this matter. I would like to get my money back and start over with a different lender. I don't feel comfortable with this loan which could lead to a financial disaster for my family ... .Please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I disputed a fraudulent cc on my credit report and they said it was resolved which is far from the case. I never opened a capital One cc in XXXX of 2018 and its showing delinquent on all 3 credit bureaus. I want the cc closed and something done to investigate who opened this cc and I want them prosecuted. Please help me with looking into this. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Sent in a dispute to experian, XXXX and XXXX inregards to errors on my report, that is reporting incorrectly.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
I haven't Received no physical document of debt or corrections

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 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX company Citibank pulled my XXXX credit report, then claimed that they didn't. This in spite of a record on my XXXX report. They had the audacity to claim that all three bureaus work together and a pull to XXXX or XXXX is automatically reported to XXXX. That's a lie. They pulled the report for no use, as their Executive Response Team told me they have no use for the XXXX report. So they dinged my credit report just for their own XXXX XXXX XXXX XXXX and giggles. Piece of XXXX company with no respect for consumers. It's a fundamental violation of the law to pull a personal credit report if it's not in connection with a decision to grant credit or make an offer. Pulling it for no reason is illegal.

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 2019-07-02 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:
XXXX and Transunion is purposely disobeying the FCRA 605 ( B )  Laws. XXXX and Transunion has received all the necessary documents on my behalf to validate my identity being stolen, in relation to some fraud accounts showing on my report. XXXX  and Transunion staff members verbally said they received the documents on XX/XX/2019 and thus XXXX  hasn't blocked/removed anything! Transunion has removed everything needed but a XXXX acct, furthermore they both are willfully going beyond the legal statute of days having to block all the information resulting from alleged identity theft, not later than 4 business days of receipt. As stated under the FCRA 605B ( 15 U.S.C. 1681c-2 ) They are clearly breaking laws, I have been on phone calls stating the obvious that this is incorrect and i should not have to wait a total of 30days for you guys to block these accounts as a valid fraud investigational dispute works differently than the normal disputes. They would totally disregard the laws morality and my own anguish, so I thus have been forced to keep multiple fraudulent accounts on my profile through their own discretion.

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 2019-07-02 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I disputed a fraudulent cc on my credit report and they said it was resolved which is far from the case. I never opened a XXXX XXXX cc in XXXX of 2018 and its showing delinquent on all 3 credit bureaus. I want the cc closed and something done to investigate who opened this cc and I want them prosecuted. Please help me with looking into this. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation