vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: E*TRADE BANK
State: NY

Complaint narrative:
Someone is opening account in my name that I dont know anything about XXXX I receive mail an they are addressing as a male an Im a female

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
While in XXXX, I trusted someone ( agent ) to take care of my property until I was released from XXXX, but believing I'd never get out, she betrayed my trust and committed fraud by using XXXX to transfer and embezzle all of my VA XXXX payments from my USAA Bank Account! A total of over {$25000.00}! She also used my credit cards, debit cards without my permission for her own bills and expenses. etc. She overdrew my accounts causing fees and closure! I was just XXXX of XXXX XXXX last week and released. However, I'm in deep debt, homeless, XXXX, and XXXX due to my bank fraud department allowing all my only source of income to be fraudulently stolen while I was in XXXX  and blaming ME! I wrote my bank letters about the suspected fraud since 2019, but was ignored. They don't care! And they advertise being a bank that cares & serves the nation 's veterans/heros! They have not. Please, HELP! : I have all my bank statements. I can't even afford a lawyer ... 

She thought I'd never get out of XXXX. and sent me a very nasty letter in XX/XX/2019, same month the fraud began! She said, " Nothing you can do about it since you're in XXXX! '' Bank statements prove she used XXXX to transfer in her name!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: WA

Complaint narrative:
My initial loan servicing company is Plaza Home Mortgage, my loan started on XX/XX/2021. On XX/XX/2021 I received a mail saying my loan was transferred to other company XXXX XXXX XXXX, and I should start making payment to them from XX/XX/XXXX. I setup automatic payments with XXXX XXXX XXXX. I also had setup automatic payments with Plaza Home Mortgage before the transfer has happened. 

On XX/XX/XXXX my bank account was charged twice, first by XXXX XXXX XXXX and Plaza Home mortgage. I called to Plaza and asked them to verify it. On XX/XX/XXXX they send me a refund check AND a delinquent notice ( two separate mails, dated with a 2 days difference ). I called to Plaza and asked them why did that happened. They said the delinquent notice mail was sent by error and I should ignore it. They also said my transfer is STILL in progress. I asked them to open an investigation regarding that and suspend my account if the transfer is over, to avoid double payment in the future. They confirmed they have investigation tickets in place for my account. 

Starting from last week I keep receiving calls from collection agency of Plaza mortgage and today ( XX/XX/XXXX ) I received mails from them stating i still owe them and they charged me with late fees. 

I feel helpless. I pay to my current mortgage servicing company and I don't understand why I have to deal with incompetence of Plaza Mortgage employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MN

Complaint narrative:
The following public record and credit inquiries listed on my Equifax, XXXX  and XXXX XXXX credit report, is inaccurate, incorrect, and not my public record or credit inquiries : Bankruptcy Chapter XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: LEXISNEXIS
State: MN

Complaint narrative:
The following public record and credit inquiries listed on my XXXX XXXX and Lexis Nexis credit report, is inaccurate, incorrect, and not my public record or credit inquiries : Bankruptcy Chapter XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: OK

Complaint narrative:
In the response from the XXXX stated that I offered to pay to the delete never did say that maybe you should listen to the recorded call, I asked did the company offer a pay to delete never did I offered to pay the debt or agree to the debt. Your company is providing false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MN

Complaint narrative:
The following public record and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report, is inaccurate, incorrect, and not my public record or credit inquiries : Bankruptcy Chapter XXXX Discharged, XX/XX/XXXX, XXXX, XX/XX/XXXX and 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 2021-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hola, 
Mi nombre es Diana Michos amablemente ped al banco chase J.P. Morgan que se encargar de un fraude ocurrido en el mes de junio 06/10/2021 y nunca resolvi el problema al contrario dejaron que $1000.00 se desvaneciera de mi cuenta de ahorros por una equivocacin del banco pido de favor como nueva y soltera madre de familia, y ms en el estado que me encuentro no puedo hacer mucho tuve una cesrea de 30 puntos y con lgrimas en mis ojos pido a este departamento que me ayuden yo no tengo dinero para sustentar a mi bebe y el banco chase nunca quiso escuchar mis ruegos quiero que se investigue inmediatamente o si no estar muy pronto en la calle con un bebe de tres meses de nacido !!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received an e-mail from US Bank thanking me for my application for a credit card. I did not apply for a credit card. I tried to call US Bank fraud division to report it, but it is closed even though their website says they are a 24/7 agency. The application ID # is : XXXX according to their e-mail. 
I did notify XXXX XXXX which I am a member since my identity has been stolen before. 
XXXX XXXX e-mail 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 2021-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
New Mexico XXXX  retroactive benefit balance backdate backpay, last month said wait two weeks and here we are can not get through to no one but I am still receive n weekly claims but have not received backdate payment from XX/XX/2020 2020

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 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have attempted to contact Capital One via Email, Phone and most recently Physical Mail, within various points of the last year. I have had no verification, communication, follow-up about this debt. I am asking that they remove the debt from all credit bureaus for neglect to verify any evidence of the debt, within more than a reasonable amount of time. The next step will be legal action if not complied within 3 Days of Capital One receiving this notice, which is to be recorded by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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:
On XX/XX/XXXX I used the US Postal Service to send all three credit bureaus ( XXXX XXXX and Transunion ) letters informing them that they are reporting inaccurate/false information on my credit report. I requested that they verify these inquires and if they do not find any legal proof that I authorized these inquires to please remove them from my credit report. I requested a 30 day response. I never received a 30 day written response back from any of these reporting agencies. On XX/XX/XXXX I sent an follow-up letter again informing these agencies of this false and inaccurate information they continue to report on my credit report. Again, I requested a full investigation and proof be sent to me that I had authorized these inquires. I still have not heard anything back from these agencies and that are still reporting this false information. I have included proof of the letter I sent on XX/XX/XXXX and XX/XX/XXXX. I also attached the letter had notarized on XX/XX/XXXX requesting these items to be removed.

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 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MN

Complaint narrative:
I had a previous Discover credit card account that was discharged in bankruptcy court under Chapter XXXX bankruptcy on XX/XX/2020. I have applied for a Discover Secured credit card so I can build my credit. Discover keeps denying my applications for credit due to the previous Discover credit card account I had with Discover and the fact, the previous account was discharged in bankruptcy court. Discover is discriminating against me by denying me credit. Thiss a major infraction and violation of the Equal Credit Opportunity Act ( ECOA ) under federal law. A representative from the U.S. Department of Justice informed me they are going to investigate my complaint against Discover and open up a federal investigation into Discover business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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 is incorrect
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have banked with WELLS FARGO for 7+ years and on XX/XX/2019 they closed my accounts without notifying me as to why my accounts are closed. They also then begin to report me for fraudulent activity and as a result a data reporting company XXXX XXXX XXXX XXXXXXXX XXXX ) has furbished 'checking account fraud ' report on my consumer report. This has put my business and personal goals into jeopardy. I am unable to open new accounts and also have turned down for personal and business loans etc.

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 2021-06-29 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: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: MN

Complaint narrative:
I am a victim of identity theft and someone opened up an account with Charles Schwab using my personal information. I have never applied for or opened an account with Charles Schwab. I was just released from XXXX, and was XXXX  for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XXXX, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and Equifax have failed to provide me with my credit report when requested. 
After numerous attempts to rectify, success has not been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reasonand will not help me getting me in back up and going.I am not sure if this some mistake as i assumeit has to be. I have not been able to get help from them for months but i just rememberedi could file a report on here as i feel they are not doing thier job properly and it is affecting me a great deal as i used PayPal quite frequently.My email link to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion and XXXX have failed to provide me with my credit report when requested. 
After numerous attempts to rectify, success has not been met.

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 2021-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
U.S. Bank sent me two escrow shortfall statements within months of each other. In XXXX, my mortgage insurance was supposed to be removed. I was advised this a year ago by a U.S. Bank employee. I contacted U.S. Bank in XXXX and they sent a letter advising the mortgage insurance would be removed. Thereafter, my payment went down approximately {$220.00}. However, I received an escrow shortfall statement advising {$100.00} would be deferred over the next year ( which would increase my monthly payment ). I paid it in full and delineated it to be applied to the escrow. Thereafter, not even two months later, I receive another escrow shortfall notice, now advising {$190.00} is due. I just paid the {$100.00} in XXXX! I called and spoke to a rep who was unsure of what was going on, advised continuously that she had to look over my records, said it was due to the mortgage insurance being dropped, and just seemed so unsure, I figured I'd send an email. I sent an email the same day, around XX/XX/XXXX or XXXX, and to date, I have not received an answer from U.S. Bank. I advised them they collected mortgage insurance from me for months when it should have been removed, and hit me twice for a total of {$290.00} for an escrow shortfall but won't answer me about why they collected mortgage insurance longer than they should have. I emailed twice and to date have not heard back. Also, the U.S. Bank website in my account doesn't show the emails I sent, only the ones they send. I'm so disappointed. I've maintained a good payment history and relationship with U.S. Bank and feel they can at least dignify me with a response to my concerns. I don't understand this process and asked for clarity but they refuse to answer me. Is this something a lender can do? Charge me a shortfall twice, within two months. They tried to increase my payment more than {$20.00} after removing the mortgage insurance ( first shortfall of {$100.00} and the second of {$190.00} ). Is this normal? Why is it fair that they can collect mortgage insurance for months after I met the equity requirements to have it removed, and then come to me twice to increase my payment? This isn't fair to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

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