vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: DC

Complaint narrative:
I'm receiving unemployment benefits in DC. I recently opened a new checking account, so removed my old banking information in my DOES account. I received a paper check for the week I removed my direct deposit information and, apparently, the following week 's claim was loaded onto a prepaid debit card issued by XXXX/US Bank. I wasn't aware that I would be receiving a debit card in the mail, until I received a notice last Friday, XX/XX/XXXX ( typically funds were direct deposited into by bank account every Wednesday and the live check was delivered on a Friday ). Clearly, I was expecting the funds on XX/XX/XXXX but hoped the debit card would come in the mail the following day. When the card didnt arrive Saturday, I called DOES Monday. After being transferred to XXXX/US Bank, the customer service rep apologized and said if the card didn't arrive with the mail that afternoon, they could overnight a new card. The card did not arrive a Monday, so today ( Tuesday ) I called back to request a new card. I had to speak with several people ( five total ), all giving me different/contradictory information. I was told the original debit card was requested on XX/XX/XXXX and should have been delivered by today ( XX/XX/XXXX ). I was also told that tomorrow, XX/XX/XXXX, would be the 10th business day since the card was processed so it could arrive tomorrow. Someone else told me the window was actually 5-7 business days. Then I asked about overnighting a new card. I was told that would cost ME {$25.00} ... ..I shouldnt have to pay for a new card that seemingly was incorrectly processed. Then the next person I spoke to, told me my address was wrong in their system ( I had to verify my address with each person I spoke with and none of those agents flagged my address as incorrect ). I was confused as to how my address could even be wrong, since it is correct in the DC DOES system ... ..then that agent decided to deactivate my card, so even if it does arrive with the mail I wouldnt be able to use it. Then the next person I spoke to told me that my address wouldnt be updated until XX/XX/XXXX and, at that time, I could request a new card ... ..She said I could send a fax to verify my new address to expedite the process but I believe this is an unfair tactic as I shouldn't have to verify an address that they had wrong in their system. I have been without my unemployment benefits for days at this point, and it's unclear when I will be sent a new card ... ..this is absolutely ridiculous and I access to my money now ( or within a reasonable amount of time. NOT in seven days plus 5-7 days for shipping ).

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 2019-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Submitted dispute regarding fraudulent XXXX/XXXX inquiry on application ( NOT ACCOUNT/ACCOUNT DID NOT EXIST ) dispute was considered complete in my favor. However inquiry still remains on report. Called to correct the information spent in total an hour on the phone where I was told an amalgamation of information from they couldnt verify my account with the information I gave them ( even though I was verified with that exact information from the previous representative ) to the inquiry is going to stay on my account for 2 years to I need to submit a police report and additional documents via mail or fax only. I have called XXXX/XXXX and confirmed that. My credit score has suffered for approx 3 months now due to this and the inquiry is still affecting my Equifax score to this date ( XX/XX/2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX-19 CMC funding sent us a late notice stating that we had not made our XXXX payment but our web bill pay from our checking account showed that the payment was sent and received and cashed by them on XX/XX/XXXX. We have spoken to supervisors and various people and still our account has not been updated or changed and we even had to pay the late fee for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BCB Investments LLC
State: IL

Complaint narrative:
Alliance collection agency has repeatedly responded to my previous complaints saying that I owe a debt that they have not verified. This is against the FDCP and the FCRA and needs to be removed immediately. I have attached to this complaint the full court document showing different amount being collected as well as evidence showing that it has been dismissed with prejudice. This will also be forwarded to the Credit Bureau for removal as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I had fraudulent charges on my card on XX/XX/XXXX for {$1000.00} and {$200.00}. I called Citi on XX/XX/XXXX to dispute the charges. I was told the card would be reissued and the charges credited. However, the charges were not credited. I called again today to follow up, and I was told that the investigation reported that I needed to contact another department in Citibank called " Citi One ''. However, despite calling multiple phone numbers and being transferred multiple times, I have been unable to locate someone who is able to remove these unauthorized and fraudulent charges from 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 2019-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was in XXXX using my credit card through Bank of America/Merrill Lynch. The restaurant we went to charged my card and said the transaction never went through and was cancelled. My wife then used her credit card to pay for the charge. I later found the charge went through while we were still in XXXX. I went to the merchant, but they refused to refund the charge. When I submitted a dispute with Bank of America, I informed them of the contact with the merchant and their response. I then provided Bank of America with a receipt reflecting the charge was paid for using my wife 's credit card and her name was on the receipt. I also provided them with a detailed report of the incident with specifics. Bank of America refused to refund without my wife 's full credit card statement reflecting the charged amount and her full account number. My wife and I keep separate accounts and wish to preserve privacy, so she has been reluctant to provide the information. Bank of America then re-charged me for the amount. The charge was on XX/XX/2019 in the amount of {$20.00} and I have evidence the charge was never paid for using my 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 monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I went into to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX on XX/XX/XXXX I went in desperate to buy a truck to start working as a XXXX  XXXX. I had not been able to work and maintain my XXXX XXXX since I had a XXXX in XXXX and have been unable to work since then but because I am broke and was sick I was unable to reason properly against the XXXX of being able to work at at age XXXX. 

I Just had an emergency XXXX XXXX due to XXXX XXXX or XXXX XXXX XXXX which XXXX XXXX to the XXXX this XXXX was on or about XX/XX/XXXX and I was in no way physically, mentally and financially capable to take on a 72 month commitment. This XXXX took place early this year but the symptoms of XXXX   XXXX  such as XXXX and XXXX was plaguing me during this purchase It was obvious that I was not competent to enter into this contract and here is the evidence My credit is very bad, so bad that I was denied credit from every place else I went to obtain credit and I just had another truck repossession about a year earlier. 

My total income is only XXXX XXXX dollars a month and that is what the payment turned out to be. I was told that the payment was about XXXX XXXX XXXX dollars a month but it turned out to be about double. 

These clues to the dealership should have prevented me from being able to put my self at risk but I put XXXX XXXX down and that was a for them temptation to take advantage of me. 

XXXX XXXX dollars was not even ten percent of the purchase prices so it was a high risk loan and should have never been granted to a man in my condition. 


This was unfair lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent letters XX/XX/XXXX but never received any response to the letter sent. I waited 45 day then resent the same information that I will be attaching today. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] because they do not belong to me nor have I done business with these companies. 
XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX/XXXX ( XX/XX/XXXX ) {$0.00} XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) {$11000.00} XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) 08 XXXX XXXX  {$2000.00} I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline items are verified, I request details of your method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent letters XX/XX/XXXX but never received any response to the letter sent. I waited 45 day then resent the same information that I will be attaching today. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] because they do not belong to me nor have I done business with these companies. 
XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX/XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) {$11000.00} XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) 08 XXXX XXXX {$2000.00} I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline items are verified, I request details of your method of verification.

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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Exsperian is reporting an acceptance know account was settled through a bankruptcy. Which is false

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 2019-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This XXXX XXXX XXXX is still reporting on my credit report after I asked Transunion to verify this debt. Wrong information continues to report. This debt has been dismissed by the court last year and I will be attaching the documents showing that it was dismissed. Also wrong amount is continued to be showing

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 2019-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: CA

Complaint narrative:
I went to the hospital and was charged for services which the insurance paid all but {$11.00} of the bill. 
Hospital mailed bill to the wrong address two or three times so we didn't receive the bill then the hospital sent the bill to the a collections company. 
Collections collected the full amount of the bill instead of charging us for the {$11.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
After several years of not monitoring my credit reports, I finally requested a copy of my Experian and XXXX XXXX credit reports in XX/XX/2019 and saw there was a collection account present from the Credit Protection AgencyXXXX XXXX. The company reported that I owed {$570.00}. I have never received any notification or communication from Credit Protection AgencyXXXX XXXX creditor that {$570.00} amount was owed or that it was turned over to a collection agency. 

On XX/XX/2019, I wrote the Credit Protection Agency, with a request for them to validate the debt and sent it via certified mail. I did not receive any return communication from the Credit Protection AgencyXXXX XXXX. While I did not receive any communication from the Credit Protection Agency after writing the validate debt letter, I did see a change in the amount owed on my XXXX and XXXX XXXX XXXX reports. The new amount changed to {$250.00} from the previous amount owed {$570.00}. I also wrote letters to both XXXX and XXXX XXXX requesting this collection to be removed from my XXXX and XXXX XXXX credit reports. My USPS tracking number XXXX indicates that the validate debt letter was delivered on XX/XX/2019 at XXXX am Delivered, Front Desk/Reception/Mail Room XXXX, TX XXXX I would like the Credit Protection AgencyXXXX XXXX collection account to be removed from both my XXXX and XXXX XXXX reports. I would appreciate your help in this matter.

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 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
We started a mortgage process with TD Bank on XX/XX/XXXX, to purchase a condo in XXXX, NY for my daughters. We never shopped around because my daughter was very happy with TD services in the past 10 years. At the beginning, they offered a 30 year old mortgage with no points at 3.5 % fixed rate. Upon request, we provided all necessary documents TD asked for and through-out the process, we requested the closing to take place by XX/XX/XXXX since my daughters had to move out of their current apartment as others were scheduled to move in the next day. TD Bank consistently assured us that the closing WILL take place on time. To our surprise, a week before the closing date, TD started asking for the same documents that we had provided and waited to the last week for employment verification which they couldve done at the very beginning. The loan officer apologized for late handling and processing the case via email and phone calls. TD abject failure to deliver what was promised, caused the closing date to be postponed TWICE which caused us extreme hardship and added costs of living in a hotel for 4 nights and I had to postpone my flight twice. 
But, the most egregious part of the entire ordeal was when TD Bank inexplicably increased the interest rate to 4 % even-though we had a locked-in rate of 3.625 %, literally two days before the closing and after hundreds of phone calls, emails and texts begging them to honor what was agreed upon, they wouldnt budge and presented some bogus and questionable reasoning and justification. We strongly feel that TD kept us hostage and knowing that we had our belongings in a truck and living in a hotel, we had no other choice but to accept their unfair deal since we couldnt walk away. This was nothing but an extortion which I brought up to the attention of most TD staff including the Regional Sales Manger, but they couldnt care less. 
We even asked for some type of compensation for our additional expenses by a way of waving or reducing some of their fees and charges to no avail. 
Most attorneys and people involved at the closing which finally took place on XX/XX/XXXX, five days later than promised, all had negative comments about TD services due to their past experiences, particularly TD Mortgage Division.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Bank is unable to generate a statement for the month of XXXX as they promised they would. They provided a statement from XX/XX/XXXX to XX/XX/XXXX. What is needed is a statement from XX/XX/XXXX to XX/XX/XXXX. 

I am trying to close on a home and need a monthly statement. I've worked with the bank directly for over a month and have been told to be patient. I was told today that they are unable to produce the statement. No good explanation has been offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Constant and repeated calling everyday including weekends and holidays! Same woman from XXXX Florida! On one Sunday alone she called 6 times! Morning noon and night! I am 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 non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account I had fraud of ach debit happan to my account now there closing account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
My complaint is against PORTFOLIO RECOVERY ( Original Creditor XXXX XXXX ) collection agency, Account # XXXX Balance XXXX, date open XXXX. I sent this company back in in XX/XX/2019 a letter stating that Im a real victim of fraud and the account that they have on my reports does not belong to me. I sent them a copy of a Police report from XXXX XXXX POLICE DEPARTMENT, a copy a Federal Trade Commission Report and letter. This company disregarded a police report and are still reporting a fraudulent account to my reports. I want this company to delete immediately that fraudulent account from my reports and a deletion letter through CFPB portal as soon as possible. Im also attaching the police report I sent them, the letter I sent them and the FTC report that they received. If I dont a quick response I will file this case in court. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 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: NC

Complaint narrative:
I submitted a complaint on XX/XX/2019 for items that were incorrect on my credit report. The response received from the credit bureau, 30 days later was that the creditors were still working on the disputes. After 60 days the response was " The creditors have verified that this information is correct and we have accepted their response. '' How did they verify that it was correct? Did they send documents? Signed contracts with wet signature? There needs to be documented proof. I have asked for the process by which these accounts were " verified '' and to date, have not received anything. It's like the creditor just sends a response " verified '' and the credit bureaus take their word for it without documented proof. 

Listed below are the accounts on my Experian Credit Report that I am disputing. The information being reported is NOT true and accurate! Provide me with documented proof of the late payments, etc. 

1. XXXX XXXX XXXX XXXX - is NOT my account and needs to be deleted. It is FRAUD! 
2. XXXX XXXX is a FRAUDULENT ACCOUNT and needs to be deleted. 
3. XXXX XXXX XXXX XXXX XXXX is showing late payment ( s ) - this account was never late. 
4. XXXX XXXX XXXXXXXX has several late payments. I have sent them proof that this account should have no late payments and Experian refuses to remove, even though XXXX and XXXX have. 
5. XXXX XXXX  XXXX shows late payment ( s ) - I have never paid this account late.

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