vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 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: CA

Complaint narrative:
I have a credit card with Capitol One Bank. 

The bank called me regarding two suspicious charges dated XX/XX/XXXX for {$120.00} and XX/XX/XXXX {$120.00}. Total {$240.00}. They were made in XXXX XXXX, XXXX. I was in XXXX XXXX, XXXX about XXXX miles away. I confirmed to the agent they were fraudulent charges, but I did still have the XXXX  with me. On XX/XX/2021 the bank wrote a letter that I was NOT responsible for the the fraudulent charges. " As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges ''. 

However, they continued to bill me. I sent a certified letter to confirm the charges were to be reversed as per their letter. No response. I called them ( again ) and was told that if I could prove that I was not in XXXX XXXX they would reverse the charges. I offered an XXXX ride receipt in XXXX XXXX. It didn't matter. That want proof that I was not in XXXX XXXX. They want me to prove a negative. 

The bank has since reported my account as past due severely ruining my XXXX score. The bank refuses to acknowledge the charges are are fraudulent and must be reversed. They also need to update the credit bureaus to reflect their error. They destroyed my crashworthiness!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: LEXISNEXIS
State: MD

Complaint narrative:
In XX/XX/2021, I saw that those items were being reported and sent out a formal affidavit to all bureaus to have these fraudulent items removed. As of XX/XX/2021, I notified LEXIS NEXIS, XXXX, XXXX, and XXXX of unlawful and unauthorized reporting of unknown inquires and chapter XXXX bankruptcy being reported on my credit reports with all aforementioned bureaus. I have provided proof below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MO

Complaint narrative:
I obtained a mortgage from my local bank in XXXX of XXXX. I had 20 % down and chose NOT to have taxes or insurance escrowed. I have the " waiver of escrow '' paper from my closing documents. Around XXXX of XXXX my local bank sold the loan to BSI Financial. On XXXX XXXX of XXXX I received an " annual escrow account statement '' showing that BSI had paid the taxes on the property for XXXX and were increasing my mortgage payment to cover the, now short, escrow account. I have called multiply times to try and resolve the issue. I asked for a written statement of why BSI paid the tax bill and for them to send me a bill so I can pay them back. I did not want an escrow account and I feel like it could be some kind of scam that they went out and paid a bill not due to them and are now trying to get me to reimburse them. I told the representative that I will continue to pay the monthly payment I had agreed to on my mortgage contract. She stated that the difference will be " past due '' and I will be in default and at risk of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: IL

Complaint narrative:
My name is XXXX XXXX.I am submitting this complaint without any influence from any third party or agency. There are inquiries on my consumer reports that were not authorized and do not have any accounts on my reports.

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 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was a victim of a scammer in a dating site. This person pretended to be a Navy Officer is stress to come home without funds. I did my research and found the person to have the same bank account as I did. I found the original scammer phone number, XXXX, and address. I had reported the scammer to my bank asking for help and to find a way to get my money back, but my bank basically laughed at me and told me it was a lesson learned.

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 2022-01-05 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: GA

Complaint narrative:
I do not understand why it is taking so long to get an answer from the credit bureaus about a letter I sent them on XXXX. I have been patient, but I thought it was supposed to only take 30 days. At this point, I would like for them to delete all of the accounts that I have disputed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: V and H Portfolio
State: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: WI

Complaint narrative:
This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
XX/XX/XXXX, I again contacted PHH Mortgage after they did not call me back within 48 hours as promised during the hour and a half phone call with them on XX/XX/XXXX. Many times during the phone calls I requested of them to accept my XX/XX/XXXX mortgage payment. They kept refusing to accept my XX/XX/XXXX mortgage payment and demanded that I must first pay in full the deferred amounts under the forbearance plan. As shown on the PHH Mortgage website, they will CALL me before the end of the forbearance plan to discuss all options. My forbearance plan ended XXXX XX/XX/XXXX as agreed by PHH Mortgage and myself. They never called me and they now refuse the forbearance amount being placed onto the end of the loan as they previously agreed to. 
During todays phone call I asked a question I already knew, Who Backs My Mortgage. After demanding the proper answer, I was informed my mortgage is backed by XXXX XXXX. I was then informed ; Our investors are not approving your forbearance amount to be placed onto the end of the loan. XXXX XXXX website in big bold letters says ; You dont have to repay the forbearance amount all at once upon completion of your forbearance plan : Get the facts. This matter is extremely important and urgent because of the false information PHH Mortgage is tell the American people. This is nothing but a unlawful money grab taking advantage of XXXX XXXXXXXX and others who have extensive equity who may not be able to defend themselves from the unlawful acts being committed by PHH Mortgage.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan or lease — Fraudulent loan
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I started a mortgage process and got a copy of my XXXX report, then I was able to see that an account that is not mine was added to my credit report, from them I have disputed this account within the 3 bureau credit offices, also have reported to the Bank which the fraud account has been set but it is still under investigation from XX/XX/2021 but haven't received final resolution. 
I have never used this bank for any loan and they say that the information is accurate, similar response I got from 2 of the Credit Companies which is false and it's impacting my ratio debt and credit score, increasing my level of stress handling this situation.

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 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Speaking of my experience with Bank of America. BofA 's Automated system ( not sure about other banks ) allows unauthorized access to another person 's banking and credit card balances, their list of expenditures and deposits by using that persons Social Security Number. An unauthorized user ( ex spouse, PI, criminal, anyone ) can access balance information as long as they are using the automated system only. Speaking with to a live person at the bank or by calling customer service prevents this as a two feature authentication may be requested and employed. Bank of America curently does not have an avenue to prevent this type of breach in security. A two factor security authentication feature is not available and does not have to be used with the automated system if you have a social security number.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information that is being reported is Mixed and Merged with my family member personal information. Reporting an incorrect address which I have disputed for an entire year and the credit bureau still reporting this erroneous information. The incorrect address is XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Remove the incorrect information because I never lived at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2021 I received a letter from Midland Credit Management stating that I owe {$1000.00} for a contract that I never signed with them. Under the consumer law I consider this identity theft because they purchased my information and now trying to get money from me and have been reporting to the credit bureaus which is bringing my score down. XXXX XXXX XXXX sold my information to this company which is illegal under consumer law 15 u.s. 1681 and 15 u.s. 1692a

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: DE

Complaint narrative:
Please remove this account, and this address. It does not belong to me. Check attachments.

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 2022-01-05 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: DE

Complaint narrative:
Please remove this account, and this address. It does not belong to me. Check attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In XX/XX/2021, I saw that those items were being reported and sent out a formal affidavit to all bureaus to have these fraudulent items removed. As of XX/XX/2021, I notified XXXX XXXX, XXXX, EQUIFAX, and XXXX of unlawful and unauthorized reporting of unknown inquires and XXXX XXXX bankruptcy being reported on my credit reports with all aforementioned bureaus. I have provided proof below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has a " shopping '' program, click on the store and Capital One will link you to that store for your x % cash back. 
On XX/XX/XXXX I went THROUGH Capital One 's site to XXXX - for a 4 % Cash Reward - and made my purchase. I was then returned to Capital One 's site and congratulated. 
Total {$83.00} Cash Rewards that were credited to me were {$1.00}. 1.25 % which my card gives me automatically - NOT the {$3.00}. 
I have called 3 times : 1st called got me nowhere. 
2nd sent me to the rewards department and I was told to write an E-MAIL! to help @ Capital One.com explaining the situation - a month ago and no answer ( surprise )!. 
3rd They " filed a complaint '' with their supervisor to review and get back with me, but could not give me a confirmation number. 
I've started looking back through my past " rewards '' and have noticed other discrepancies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
National enterprise systems who is a third party creditor sent me a letter on XX/XX/XXXX stating I owed a debt. On XX/XX/XXXX I sent National enterprise systems a Debt validation letter, National Enterprise sent me a letter back on XX/XX/XXXX stating I owed a debt the company has not provided any contracts between me and the company and they have not sent anything back pertains to what I sent in the debt validation. National Enterprise Systems is in a total of XXXX violations. EXHIBIT A 15 USC1692B ( XXXX ) EXHIBIT B 15USC 1692 ( j ) EXHIBIT C 15USC 1692 ( j ) EXHIBIT D 15USC 1692 B ( XXXX ) EXHIBIT E15 USC 1692 ( A ) ( B ) EXHIBIT F 15USC 1692 B ( XXXX ) EXHIBIT G 15 USC 1692 XXXX EXHIBIT H 15 USC 1692 B ( XXXX ). 
I have explained over the phone to to XXXX different employees that I do not owe the debt. I sent the company a consumer affidavit of truth, Federal consumer violation invoice.

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 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my business checking account with Citibank on XX/XX/21 via the phone. Citibank claims to have mailed me a check. It never came. I called Citibank to alert them. They said they would issue a replacement check. The replacement check never came. Two lost checks in the mail seems suspicious. 

After numerous phone calls, and one month later, I arranged to pick up the funds at the local branch. It was explained to me that in order for me to pick up the monies at the branch, they would have to cancel the second check ( apparently, they canceled the initial check in order to issue the second check ), in order to transfer money to the branch 's general ledger, so I could in fact pick up the monies. 

I repeatedly asked for documentation -- copies of the two canceled checks -- as of today, I have yet to receive. 

While I did finally receive my funds, two loose checks are floating around with my name on it. I would like proof -- documentation -- that those two checks were canceled. 

Citibank is a finial institution that is supposed to keep accurate records. I am not sure why they refuse to share with me proof that they mailed the two checks. Right now, they are claiming that the XXXX Postal Service lost the mail -- yet, they refuse to provide docmentiaon that the checks were ever issued. 

Please provide a copy of the canceled checks, and a copy of the actual checks.

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 2022-01-05 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: NC

Complaint narrative:
Experian allows one to initiate a dispute on their website or by phone. Their default delivery method for dispute results is electronic. However, there is a technical problem on their website which has existed for 6 months or more that prevents the user from viewing dispute results. And once results have been designated for electronic delivery, telephone agents can not provide dispute results and they can not change it to paper mail delivery. 

More detail : After a dispute is completed, Experian sends an email saying " Your dispute results are ready '' and a button in the email labeled " View Results ''. When you click that button, you are prompted to log in to Experian 's website, and you are routed to a page called Alerts, which is similar to a message inbox. In this Inbox, there is a message that says " Your dispute results are ready '' and it has a blue button labeled " See your dispute results ''. Clicking this button does not work. No window pops up. No page opens. It doesn't work on Windows PCs, or Mac, or iPhone. It does not work in Safari, Chrome, or Firefox browsers. It has *never* worked and Experian offers no technical support for the website. They refuse to take any complaints about technical problems on the website.

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 2022-01-05 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: FL

Complaint narrative:
letter is in regarding the inaccurate entry being reported under bankruptcy .I have repeatedly asked for evidence to support your reporting, but yet again, You have failed to provide me with a copy of any viable evidence submitted by BANKRUPTCY COURT. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, I provide the letter by UNITED STATES BANKRUPTCY COURT XXXX XXXX XXXX FLORIDA. 
I am again formally requesting to be remove from my credit report a the Bankruptct and public Records. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

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 2022-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have received a Bill to pay my Goodyear credit card. I can not activate my online account to make a payment or reach anyone to help as the online error suggests I do. I have called 8 times and spent a grand total of 2 hours and 40 min listing to please hold for the next representative. My payment is due in 4 days and I have no way to pay it. This is BAD customer service. the worst I have ever dealt with.

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