vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: DC

Complaint narrative:
The credit card number in question is XXXX with US Bank. 
I recently received notification that they overcharged me to the tune of several XXXX dollars and they have yet to return the money that they stole from me several years ago. 
I demand they return the monies owed per their own admission.

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 2019-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX  and capita one data breach caused the violations : XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 different name on credit 3 different address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I receive multiple phone calls from Navient regarding a student loan that I do not have, I have sent certified letters with tracking requesting validation of the debt or to be removed from all contact lists and they have ignored my letters and continue to call me, I have also called them using one of the phone numbers they call me from ( XXXX ) and they are not able to validate any loan with either my name or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX we sold our home and the title company sent payoff funds to Reverse Mortgage Solutions , Inc . The payoff was calculated through XX/XX/XXXX. The funds were wired and they received them the same day as the closing ( XX/XX/XXXX ) and this was later confirmed by a customer service representative of Reverse Mortgage Solutions. The payoff amount provided to the title company included a disbursement of {$950.00} due to be made on XXXX XXXX which was the middle of the XXXX XXXX weekend holiday. SInce they received the funds on XX/XX/30 they never made the disbursement but were still reimbursed for it in the payoff. I have called twice and was instructed to contact their payoff department by e- mail and or FAX as they don't take phone calls. I did both several times and have still not received a response or refund of the overpayment of {$950.00} plus the extra 5 days per diem that they received totaling over another {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: TX

Complaint narrative:
equifax and XXXX XXXX data breach caused the violations : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 different name on credit 3 different address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/2919 I sent a check ( XXXX XXXX  ) for {$5000.00} in full payment of my bill to XXXX XXXX MasterCard ( Barclays Bank ). I was credited with a payment of {$50.00}, Interest on the unpaid balance was waived when I complained. However, they refused to provide a copy of my check, saying it had been destroyed and no copy was retained. On XX/XX/XXXX, I sent another check ( this time for {$14000.00} ) to them and this time was credited with a payment of {$1400.00}. Again, interest was waived and their account manager told me neither the actual check or a copy existed. That I refuse to believe! My bank told me that they receive only notification of an electronic cash transmittal and no paper confirmation. No human being takes part in the process! Checks are read by computers and payments are processed entirely by computers. I have written over 10,000 checks during the past seventy years and these are the only two instances in which the amounts were misread.

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 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I completed a full documentation refinance transaction with XXXX XXXX XXXX   thru a broker named XXXX XXXX signing closing documents on XX/XX/XXXX. My previous loan was held with XXXX and the new transaction was originated thru XXXX ... additionally my current loan was kept and is serviced by XXXX. I was approved to close in mid XXXX and completed the closing without issue on XX/XX/XXXX with a guarantee to fund before the end of the month. My XXXX payment was outstanding, and I followed up with XXXX and my broker multiple times to ensure that it did not need to be paid. I was assured that the funding of the loan would occur in XXXX and that the payment was included in the payoff of the old loan. Additionally, XXXX waived a late fee proving that this was in fact made note of in their system. I followed up on the funding of the loan daily, and was assured on XX/XX/XXXX that the loan was funded and satisfied. It was not until XX/XX/XXXX that I realized that the entire time XXXX had reported me 30 days late regardless of the aforementioned facts. The entire time I had the money to make the payment as scheduled and was told not to make it by both the broker and XXXX. It has drastically reduced both myself and my wife 's credit score. We could not take advantage of multiple rewards offers for credit and we can't refinance to obtain the currently low interest rates. Prior to this we had a perfect payment record and our scores were almost 800. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 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:
Hey I wanted to contact you all because I went to my bank to get a loan to help my brother by and get a car and they told me that I was not able to cosign for him. I don't know why I wouldn't and plus I have been with my bank for years since I was 21. My mom told me to look at my credit and there is some stuff on there that isn't mine XXXX XXXX, XXXX XXXX XXXX , DPT ED/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 and there Is an account that don't even have a name but it's an account number XXXX. My mom told me to get in touch with police and FTC, I did both.

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 2019-09-24 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: NC

Complaint narrative:
Hey I wanted to contact you all because I went to my bank to get a loan to help my brother by and get a car and they told me that I was not able to cosign for him. I don't know why I wouldn't and plus I have been with my bank for years since I was XXXX. My mom told me to look at my credit and there is some stuff on there that isn't mine XXXX XXXX, US DEP XXXX XXXX DPT ED/XXXX, DPT ED/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX REV, XXXX, XXXX XXXX XXXX and there Is an account that don't even have a name but it's an account number XXXX. My mom told me to get in touch with police and FTC, I did both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My family members have received multiple phone calls attempting to locate me, even though the original company already has my name and phone number. 

I have spoken with agents of the company previously and asked them only to contact the phone number that they have on file for the account ( my phone number, listed above in this complaint ) but they have repeatedly made phone calls to my friends and family members after I issued a verbal request to them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 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: GA

Complaint narrative:
I was in the process of refinancing my mortgage when I had my credit report done and it was at that time that I noticed things on my credit that looked unfamiliar. I discovered that there are things on my credit that don't belong to me and I'd like them removed as quickly as possible. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
this bank is crazy they dont call me from executive to hear my concerns im having with my secured card i applied for the unsecured card as told and was declined which makes no sense on their letter it just states PAYMENTS WERE RETURNED FOR INSUFICIENT FUNDS OVER THE PAST 12 MONTHS AND TO CALL CUSTOMER SERVICE WHEN I DO THEY CANT FIND THIS INFORMATION THIS IS NOT A VALID REASON TO DECLINE ME WHEN IM APPLYING FOR ANOTHER ACCOUNT THEIR USING MY CURRENT ACCOUNT AGAINST ME IVE BEEN WAITING YEARS FOR GRADUATION AND THEY TOLD ME TO APPLY IF I DONT WANT TO CONTINUE TO WAIT FOR SO LONG

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I was contacted by a Lockhart, Morris & Montgomery rep and  she threatened boldly me by stating " if i didn't pay back or give them some money they was going to damage my credit '' so i could not get nothing using credit this approximately happened around XX/XX/XXXX or XX/XX/XXXX of last year. I'm not sure what this debt is and they did not validate this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: NC

Complaint narrative:
I have a lot of inquiries on my credit report from TransUnion that I dont recognize ... Ive updated a fraud alert in the past and they do not suppose to let anyone check my credit without contacting me first ... these inquiries shall be removed immediately started from XXXX XXXX until now! I did not authorize my credit to be pulled ... and this includes XXXX  and 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 2019-09-24 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: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is stating that the original creditor is XXXX XXXX. But the original creditor is XXXX financial. The date this account was opened was XX/XX/2017. The amount is for {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I received a letter stating i owned this company money, First time hearing from this company and about this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I pocket purchased crypto on my account and called coinbase support and they locked my account to make sure it wasn't fraud. I've since told them, that my account is cleared and secured, and need access to the {$10000.00} thats in there. It's been over a month now since I opened the ticket ( XX/XX/2019 XXXX and I have'nt received one email reply from them, despite writing to the about the issue daily My case number with their support branch is Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: NC

Complaint narrative:
I have a lot of inquiries on my credit report from XXXX  that I dont recognize ... Ive updated a fraud alert in the past and they do not suppose to let anyone check my credit without contacting me first ... these inquiries shall be removed immediately started from XXXX XXXX until now! I did not authorize my credit to be pulled ... and this includes Equifax and XXXX  ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: NC

Complaint narrative:
I have a lot of inquiries on my credit report from XXXX that I dont recognize ... Ive updated a fraud alert in the past and they do not suppose to let anyone check my credit without contacting me first ... these inquiries shall be removed immediately started from XXXX XXXX until now! I did not authorize my credit to be pulled ... and this includes XXXX  and Experian ....

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 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: NY

Complaint narrative:
I AM A XXXX YEAR OLD SENIOR WHO HAVE BEEN CALLING DIRECT EXPRESS SOCAL SECURITY CARD HOLDER AND HAVE MADE SEVERAL ATTEMPTS AT LEAST 20, TO CLEAR UP XXXX DOLLARS IN CHARGES MADE IN XXXX XXXX AND I LIVE IN XXXX  XXXX, NY I HAVE TRIED CALLING DIRECT EXPRESS NUMEROUS TIMES AND WHEN I DO GET THROUGH THEY KEEP ME ON HOLD FOR WELL OVER 2 HOURS AND THEN HANG UP ON ME. I NEED THEM TO PUT BACK MY MONEY IN MY ACCT BECAUSE I AM SENIOR AND I NEED TO PAY MY BILLS BECAUSE OF ME BEING ON A FIXED INCOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
This company is reporting that I owe a utility bill and I wasnt even living there ... I had moved out XX/XX/XXXX and contacted XXXX that I was moving out ... this item shouldnt be reporting to my credit report ... this item should be remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage keeps calling other people regarding the matters of My Home Mortgage. I filed the complaint on Wells Fargo Mortgage. It appears there not trying to resolve the issue by calling other people that has nothing to do with the issue. Wells Fargo Home Mortgage calls on a daily base other people in fact as I have for a witness. Wells Fargo Knows my phone number as well as mailing address regarding the 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 2019-09-24 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: GA

Complaint narrative:
I was in the process of refinancing my mortgage when I had my credit report done and it was at that time that I noticed things on my credit that looked unfamiliar. I discovered that there are things on my credit that don't belong to me and I'd like them removed as quickly as possible. 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 2019-09-24 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: GA

Complaint narrative:
I was in the process of refinancing my mortgage when I had my credit report done and it was at that time that I noticed things on my credit that looked unfamiliar. I discovered that there are things on my credit that don't belong to me and I'd like them removed as quickly as possible. 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 non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 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: Collins Asset Group, LLC
State: CA

Complaint narrative:
Collins Asset Group is stating that the original creditor is XXXX XXXX. But the original creditor is XXXX XXXX. The date this account was opened was XX/XX/2017. The amount is for {$3700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief