vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I requested a payoff of my mortgage with a payoff date of XX/XX/2020. Mr.Cooper, my mortgage servicer sent me a payoff with interest running thru the XX/XX/XXXX. I paid off the mortgage and the funds cleared my bank on XX/XX/2020. The servicer refuses to mail me a satisfaction of loan, which I have been told is a requirement in order to cancel my flood insurance policy. Fema has informed me that this policy will remain in effect and I will be charged until they receive this form. How can a company that doesn't have an interest require that I continue to keep a policy in place? 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am disputing this information. And seeking reports free from XXXX  and XXXX  because they are also reporting inaccurate information. To third parties such as XXXX  XXXX  etc, its preventing me from getting proper housing XXXX, XXXX, XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX   XXXX, XXXX, XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Never done business with these companies XXXX # XXXX**** XXXX XXXX # XXXX  ,XXXX  listed twice with misspelled name 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 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
They called me multiple times in one day and said my credit would be ruined. I got a mail saying they would use adverse measures to collect the funds ( even after theyve reported it to all three credit bureaus ) and i called them after receiving the mail and they threatened to take me to jail if i do not pay.

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 2020-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
First of all, I received the first bill in months after I complained that my online access has been blocked and my credit usage blocked, eventhough I had never failed in their payments. So, on this bill I received I am being charged a late fee for no reason. I have automatic payments set up through my bank and I only see a payment of XXXX credited from XXXX. However, after that payment I have made a total of XXXX in payments and none of those are reflected on this statement. The bill due is only XXXX. Yet the bill says I am past due XXXX. In addition, the account number is totally wrong. I attempted to call to resolve and the XXXX number listed for customer service is just a spam number offering me vouchers. 

How can I solve any concerns? My online access is blocked, I have not received bills, and there is not a valid number where I can reach out. My credit card should not have been taken away and if I had selected paperless then my online access should not be blocked. Until I am done paying, I am still a customer.

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 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American express closed my credit card automatically in a month after annual fee charges apply to my account, but charge me the annual fee for the whole year. My annual fee was charged on XX/XX/XXXX for {$230.00}, and american express close my account on XX/XX/XXXX. I make a phone call to american express, but they reject to refund the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$350.00}

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 2020-03-02 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$350.00}

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 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, unauthorized charge from XXXX XXXX for {$75.00}. 
On XX/XX/XXXX authorized charge for {$65.00} from XXXX XXXX. 
I disputed to Capital One Venture Card the XX/XX/XXXX from XXXX XXXX for unauthorized {$75.00}. 
On XX/XX/XXXX Capital One credited my Venture One card {$10.00} + $ XXXX= {$75.00}. 
-- -- On XX/XX/XXXX, Capital One charged back my Venture One card {$75.00}. THIS IS ILLEGAL. 
Today, I disputed again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
You still have not provided anything with my signature on it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: Navient Solutions, LLC.
State: IA

Complaint narrative:
Navient is refusing to remove 9 late payments that they claim were after my XXXX began, XX/XX/2016. The supposedly late payments are still inflicting emotional damages upon me because Im XXXX XXXX XXXX, they dont need to be adding insult to injury. Those 9 late payments still effect the repair of my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been having a problem with JPMorgan Chase bank about some fees they applied. I called them numerous times to get it resolved and each time I thought I was done until the next statement, when more fees would show up. 

After 18-months of this, I wrote to Chase and told them I will not longer make any more payments and all payments would be held in a separate account until this issue is once and for all resolved. Chase responded with a notice to foreclose on my property. 

I am going to retain a lawyer now to fight them, it is not a question of not being able to make the payments, it is an issue of Chase trying to cheat me in spite of numerous attempts to resolve this issue amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I went to a timeshare presentation in XXXX XXXX, VT. With XXXX XXXX. Say through the speciel and was thinking of it. Then we were given 7 days to change our minds. They asked for a credit card to verify my identity as well with a license. They charged my XXXX XXXX  account and now with late charges, etc is {$910.00}. They also reluctantly opened up a XXXX XXXX   account without my authority. We cancelled, called and told them we were not interested in the time allotted. 
I should not have these terrible credit report issues, them calling and harassing me, and continually looking for $ $ $ I never authorized!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Saturday XX/XX/XXXX XXXX I attempt to cash a a check ( {$320.00} ) from second job into my pnc acct from a pnc ATM, the employer banks with PNC also. No success with cashing/depositing check into account the ATM ask if I would like to deposit. No express funds option or letting me know when funds will be available. Ill usually use express funds or cashing just for ease, in the past I would be given the option to how I would like to deposit. this time I wasn't which is my issue. 

Same day - Call pnc, have a rep hang up on me while lying to transfer to manager. Call back to be denied by another manager. Was told my funds wont be available til Tuesday and there's nothing I can do. Call another department and was given more poor customer service. they seem to see the issue but don't care to fix it. if the kiosk wont offer express funds like they typically do let the consumer know they will be waiting 80+ hours for their funds. I put a complaint to have this process looked after, im not sure if they received this. 

Monday XX/XX/XXXX XXXX  Call pnc, Have rep say on telephone she would check for availability of {$100.00}. Withing the next sentence due to her unprofessionalism she tells me she wont do nothing for me today not even check. I asked her did she just say she would check about getting some of the funds available today. She wouldn't answer because she know she did. That call ref Number is ( XXXX ) Called another rep after and he actually went through with the check of available funds and told me none would be available due to the fact I used a pnc ATM. This makes no sense to me as to why im in trouble for using their atm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, I was a victim of credit card fraud. My cards were used while I was at an adult establishment and charged for outrageous amounts with outrageous gratuity amounts added on to the purchases without my authorization. A police report was filed against the merchant and an affidavit stating I did not authorize those purchase and the handwriting on the receipts are forged were submitted to American Express as evidence. The total in charges on two of my american express cards was over {$70000.00}. On multiple occasions the American Express fraud team told me in writing that the fraud case for these charges was closed in my favor and I would not be responsible for any of the charges. However, out of the over {$70000.00} in fraudulent charges American express only credited my account {$13000.00} and now states that I will be responsible for the remaining balance. American Express states that because I was present at the time the cards were being used it can not be considered fraud which is contradictory to Florida Statute 817.61, which states " A person who, with intent to defraud the issuer or a person or organization providing money, goods, services, or anything else of value or any other person, uses, for the purpose of obtaining money, goods, services, or anything else of value, a credit card obtained or retained in violation of this part or a credit card which he or she knows is forged, or who obtains money, goods, services, or anything else of value by representing, without the consent of the cardholder, that he or she is the holder of a specified card or by representing that he or she is the holder of a card and such card has not in fact been issued violates this section. '' Nowhere in the statute does it say that the cardholder must not be present for fraud to occur. The fact that the charges were made without my knowledge and the receipts were forged is more than sufficient for these charges to be considered as fraud. In addition to the fact that these receipts were forged, all of the charges occurred after the legal operating hours for an adult establishment in XXXX XXXX County and documentation of such was also provided to American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
According to my credit report, MIDLAND FUNDING LLC purports they have the right to collect {$1500.00} from me. They have been reporting this amount since 2017. 

After speaking with the credit bureaus ( who I have addressed separately ), they have not spoken with anyone at Midland Funding regarding my name or an alleged account. 

This means Midland Funding, LLC has been verifying information illegally. Also, they have not sent me any notices regarding my right to dispute, or any mailings for that matter. They continued to list this account as " open '' and not " in dispute '' despite my disputes with the credit bureaus. 

They need to be reminded that, according to the FDCPA, Debt validation includes the following : 1.Who was the original creditor on this account, and what was the account number? 

2.What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 

3.Please provide me documentation that indicates that I agreed to pay someone this sum of money. 

4.What was the original date of delinquency for this account? 

5.Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 

6.What did you pay for this account, and how did you calculate the current amount owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened PNC Bank accounts because I was attracted to their advertising about a promotion - transferring in new money, set up direct deposit, and other requirements, then consumers will receive {$500.00} bonus. 

I fulfilled all the requirements, transferred in $ XXXX, set up $ XXXX monthly direct deposit. PNC Bank rejected to give me the {$500.00} bonus, despite the fact I spent hours on communicating with their customer service. 

I learned that other consumers had the same experience. Some of them received the bonus after contacting PNC 's customer service. That did not work for me. 

The whole customer service, and advertising department, have not met the industry standard.

Company response to consumer: Closed with explanation