vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-27 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: TX

Complaint narrative:
I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since Transunion was unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it. Remove 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 2019-07-27 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: FL

Complaint narrative:
I Did Not Authorize This Account I've Been a Victim of Identify 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 2019-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One Credit card bill due the XXXX or XXXX of each for the past 2 years. Logged into account billing date changed to the XXXX.No notice, no update given. Contacted Capital One, and spoke to extremely rude, unprofessional XXXX based lut of XXXX XXXX, NV id number XXXX who spoke fast and condescending. Refused to slow down and repeat and was admint that there were no disclosures nor terms they had to disclose. XXXX continued to state that we updated our policies and those dates for a billing cycle are no longer available. I asked her for those policies and she refused. XXXX then quoted me 1-2 billing cycles to change date again. Was never informed about the changes and I stay up to date and active with my Capital One account. This is a huge impact to all consumers and credit as this can be a late payment impacting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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:
My credit report had an account listed that are not mine..I disputed the accounts with the credit bureau as `` not mine '' but it recently came back as verified..I have never had an account with these companies..Please delete immediately before further harm is done..XXXX XXXX XXXX ( Original Creditor : 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 2019-07-27 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: FL

Complaint narrative:
I Did Not Authorize This Account I've Been a Victim of Identify 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 2019-07-27 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: FL

Complaint narrative:
I Did Not Authorize This Account I've Been a Victim of Identify Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
In XXXX we built our home at XXXX XXXX XXXX , XXXX NC XXXX. The Bank required us to obtain a Flood Elevation Certificate which stated we were in Flood Zone A5 and we had to purchase flood insurance in the amount of {$390.00} paid at closing. 

In XXXX we received a letter from XXXX XXXX XXXX stating that the Flood Maps had been re-evaluated and we were no longer required to hold a Flood Policy on our property. They were not foreplaced by the Bank. I contacted my agent at the time with XXXX XXXX. Our flood policy was not renewed and expired at XXXX XXXX on XX/XX/XXXX. 

In XXXX we refinanced our 2nd mortgage and obtained two Appraisals to accommodate the 2nd mortgage. Both appraisals indicated the home was located in Flood Zone X and included a FEMA Map dated XXXX but had different Flood Map numbers while the home was actually in Flood zone AE formerly A5. 

XX/XX/XXXX, XXXX XXXX flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly. Damage to the home is in excess of {$150.00}. 

Attached is all the supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Hello, My credit report was pulled without my permission based on information from the monthbefore. I specifically told the person on the phone I did not want my credit run and then I received something in the mail stating they ran my credit a Second time around XX/XX/2019 and were trying to proceed. I only gave permission for it once in XXXX, which they did, and we did not want to proceed. Again I specifically stated I did NOT want my credit run. I'm not sure how to fix this problem and take it off credit report. We also want all personal information deleted from their accounts so they can do this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation
State: CA

Complaint narrative:
In XX/XX/2019 I contacted XXXX XXXX a branch manager with Academy Mortgage in XXXX CA. I submitted an application and received a pre qualification letter. I went to submit an offer and was told something changed with my credit ... come to find out XXXX changed companies and ran my credit for a new application however I was never even told about his change or that my credit would be ran again and I never approved XXXX or the company he works for to run my credit. His assistant XXXX confirmed that she never received verbal or written authorization or a request to run my credit from me. XXXX now wants me to believe that these letters are only good for 90 days however that is not true as credit is not ran again until the closing of the loan and its not with a different lender. My credit was affected as it dropped 6 pts in addition to the 6 pts it dropped when Academy ran it. My information is protected and can not be shared with another company or Lender Nor can anyone other than me request my credit be ran for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXX of 2019, I was overcharged by Venmo for unauthorized charges. I have attempted to contact Venmo on multiple occasions. I have filled disputes with them, and they have denied the claims. In their last email response to me on XX/XX/XXXX, they stated " After re-investigating the account, we are still unable to honor this claim because when you first filed this claim, you stated the transactions were unauthorized and you did not authorize any of these payments to the merchant and also had your debit card closed and answered the questionnaire for unauthorized transactions. These are steps that are taken anytime an unauthorized transaction is reported. Now you are stating the transactions were authorized but have since either been canceled or you have not received the items. Based on the inconsistent information provided throughout this case, we are still unable to honor this claim. '' They are refusing to fully investigate my claim because they are stating that I changed my story/reason for the overcharges. This is not accurate. The Venmo represented who filed the claim, after listening to me explain what happened, suggested that I frame the claim that way. I did only what the Venmo representative suggested. Further, when I called back to Venmo, the agent stated that " I do not know why the denied the claim. It seems they coded it wrong in the system, I will send them a note. '' A day letter, they denied the claim again. 

This issue started when I got a Venmo debit card. The way the card works, if I charge on the card {$18.00} for gas, Venmo will round up and take {$20.00} out of your account and put the balance in your Venmo balance. 

BetweenXX/XX/XXXX-XX/XX/XXXX, I used the card extensively to track my business purchases ( at least 500 transactions, if not more ). When I used the card to book rideshare rides with ( XXXX, XXXX, XXXX ) those merchants pre-authorize your card for the estimated cost. So if I booked a ride with XXXX, they would say the cost is going to be {$6.00} and they would preauthorize this on the card. Venmo would then take {$10.00} out of my account immediately. However, if I canceled the ride or didn't take the ride for some reason, the money has already been pulled out of my account, but it wasn't put back into the wallet. 

THis happened to me on numerous occasions. I documented all of the times I was overcharged and attempted to file a claim for reimbursement. As of today, I can not use my Venmo card and I owe them for the provisional credits that they gave me. 



Their team has been incredibly unhelpful, and I need your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-27 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: DISCOVER BANK
State: OH

Complaint narrative:
Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, XXXX XXXX, and XXXX  all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE CLEARING CORPORATION
State: OK

Complaint narrative:
I own a home in XXXX Oklahoma I bought before my marriage in XX/XX/XXXX in XX/XX/XXXX I was beaten by police and wrongfully arrested here when I called on a XXXX  XXXX as the victim and was XXXX and wrongfully arrested the charges of XXXX XXXX and XXXX in front of a minor child and 2 counts of XXXX were all dropped but they still charged me with XXXX XXXX XXXX about a couple weeks later XXXX cane into my home and told me if I didn't leave my own premarital home because I looked like an XXXX  they would take my kids into XXXX custody and I left I have since lost my home and was put in federal housing 8 months I had a pouring leak in my ceiling and couldn't get help with it plus I was invaded by violent individuals so I relinquished my apartment 4 years ago I have been homeless 4 years I am currently on XXXX finally after fighting 11 years in this city to obtain XXXX XXXX I started receiving in XXXX but I can't obtain a residence I have 4 case managers here in XXXX but no body is taking my case serious I still have a mortgage in my name but the deed isn't and I believe I should get relocation help on my mortgage company and financed in anothet home seeing anything u have in Oklahoma before marriage ia still yours after I don't see how because I couldn't obtain income note legal help to get my divorceI lost my home and am homeless I am also XXXX XXXX card holder and haven't gotten my tribe help at all i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
In XXXX of XXXX, I opened a credit card with Capital One. I never received any documentation in the mail, I paid {$100.00} on time and they charged me a late fee. Today XX/XX/XXXX, I spent roughly 30 minutes getting that " late fee waived '' I was not late on the payment. They are now keeping the {$25.00} for 3-5 days to post into account and it shows up as a missed payment. 

It gets worse : XX/XX/XXXX CASH ADVANCE FEE OtherXXXX XXXX ... XXXX {$10.00} XX/XX/XXXX INTEREST CHARGE : CASH ADVANCES Interest ChargeXXXX XXXX ... XXXX {$0.00} I never used any cash advance or took cash out on the card. I paid a company {$53.00} and they are telling me the {$10.00} is from that. So they are stealing {$10.00} now with interest. 

The supervisor I spoke with XXXX XXXX ( employee id ) refused to provide me with any information on how to file a written complaint. I signed up for this credit card to re-establish my credit. The way they are behaving is extremely predatory. I have a XXXX {$10.00} plus interest is a lot of money to me to just have stolen by a big credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: TX

Complaint narrative:
My ex husband was awarded the property in our divorce. Although he was awarded the house in the divorce, he has never transferred the mortgage loan to his name and apparently has no intention to. The loan is in my name only. His name does not appear on any documents on this loan. However, Im sure he has some rights because his name is on the deed. The loan is in default for non payment and set for foreclosure. My ex is now going to modify the loan which Provident is telling me he can do without my consent. Once again, his name is nowhere on this loan and never has been. Provident is going to let him modify this loan for the second time without my consent! 

I contacted Providents legal department about a year ago because my ex kept changing the contact information on the account and eventually blocking me from logging in to the online account. I was told by the legal department that he could call in and change contact information but it was illegal for him to block me from access to the online account. I have set up a call in password and requested that it be asked for every single time a call is made. Sometimes they ask and sometimes they dont. We went about a year with no changes to the account and I was able to log in and keep an eye on all activity. Just recently I tried to log in to the account and was denied access. When I called Provident I was told that all the information had been changed by my ex. AND that it was perfectly legal! 

Provident Funding continues to report negative activity against me to the credit bureau. 

Please advise me how to elevate this complaint as it is clear that Provident violated their own privacy policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I closed my Virgin credit card account ( # ending with XXXX ) managed by Comenity Bank in XXXX. On XX/XX/XXXX, I received a bill from Comenity Bank for {$2200.00}. I. called the bank and they acknowledged that the account in XXXX was closed and could not answer why they accepted charges on the account in XXXX. 

The bank opened a fraud claim and asked me to sign a document that said I might pay the charges if I did not cooperate with them. I told them I would not sign anything that implied I take responsibility for these charges. I offered to sign a statement that disputed the claims but did not include language about me accepting ay responsibility for these charges. I also filed a dispute with XXXX. Comenity refuted my dispute with XXXX. 

I received a letter dated XX/XX/XXXX that informed me they found no basis for my claim. On XX/XX/XXXX, I received a statement showing a {$0.00} balance. I then received an email dated XX/XX/XXXX, stating I owed {$2200.00}. Comenity Bank continues to acknowledge these charges were placed on my account AFTER it was closed. 

I placed a call to Comenity Bank 's fraud division again on XX/XX/XXXX at XXXX XXXX. I spoke with XXXX. She confirmed the account was closed in XXXX and the charges were placed on my account in XXXX. She could offer no explanation as to why this was done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On approximately XX/XX/XXXX I notified Citi Cards of a purchase made at a questionable site. For safety I used a Virtual Credit Card number provided by their web services while logged into my account. The purchase was approximately 30 days prior to this date, I ordered a laptop at a great price and on XX/XX/XXXX I received sunglasses instead of the laptop. 
I contacted Citi, deleted the virtual card and started a charge back as the site was now being clearly flagged as fraudulent XXXX On XX/XX/XXXX I found that my XXXX XXXX could no longer log in to get my three credit card balances from XXXX - I tried signing in and could not sign in, could not recover password. 

I called Citi and was told they are unsure what's going on, even questioned that I had ever signed into the XXXX site as they could not find a login for me - yet I had been using the site for years. 

The next Monday I was called to be told that due to the potential fraudulent site where I used a secure virtual credit card number, they had deleted my login preventing me from accessing any of my three major credit card details. 

At this point I can't see what charges have been used against my card, I can not check the status of the charge back, I can not make or schedule payments. 

I was told that it would take 14 days for them to restore my access - as of this writing I have been unable to access my account for 21 days. 

Multiple contacts with Citi reaffirms their recover of a user account deleted by their action takes 14 days. This is unacceptable - the account is less secure as I can not see the charges, I can not make payments on any of my active three credit cards. 

This brings into question their disaster recovery story - how can it take a business more than two weeks to recover any aspect of an online service? 

Due to my many XXXX begging them to do their jobs and restore my access they have reminded me that I can pick up the phone and make payments to them over the phone. This defeats the use and history of me managing my account for years via the web site. It also would make me have to surrender my checking account number to them over the phone - more great security issues for Citi.

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 2019-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive paid roughly {$4000.00} of car notes on my {$10000.00} XXXX loan. My payoff amount is still over {$10000.00}. Ive read similar complaints of this company falsely reporting and stealing money from consumers. They need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

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 2019-07-27 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

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 2019-07-27 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: NY

Complaint narrative:
Incorrect information reporting on my credit report.

Company response to consumer: Closed with explanation