vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These accounts below are reporting to my credit report and they do not belong to me.

XXXX # XXXX   AMOUNT {$2000.00} XXXX XXXX # XXXX AMOUNT {$460.00} XXXX XXXX # XXXX amount b {$430.00} XXXX  # XXXX AMOUNT {$350.00} XXXX XXXX XXXX # XXXX  amount {$76.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank, Was notified several months ago that I was a victim of identity theft. Discover allowed a Fraudulent Application to be processed in 2015 from a thief online to open a Credit card. After they allowed this thief to open the account, they allowed the thief to continue using the card and to make payments to the account as well. I notified DiscoveXXXX immediately as soon as I saw this on my credit report that the account was fraudulent, I did not apply for this product and that I have notified the credit bureaus. Thus why I have Extended Fraud alerts on my credit bureau reports, For 7 years. I have security freezes as well now. When I advised Discover that the application was fraudulent. Discover closed the account, and re opened a new card. Where they sent the new card I have no idea because I never obtained it, Again I called discover to let me know that I did not receive a card and that the APPLICATION was fraudulent the whole account is fraud not transactional fraud.Instead of Investigating my report again and Identity Theft Affidavit which I sent them from Law Enforcement and From the FTC, Discover decided to advise me that I would be at fault for an account again I never obtained and that they sent it to a fraudulent address. Everytime this has been reported to discover they continue to close the account and reopen it with new numbers to re add it back to the credit bureaus. Instead of following FCRA Laws 603 ( b ) as I am consumer and a victim of identity theft. A thief obtained and applied for this product that I did not authorize. I recently called discover again to ask about this after my last complaint and I am told now that they have verified with " Law Enforcement '' That I am liable for the fraudulent account. When I asked what Law Enforcement Agency they spoke with and the Officers Name / Badge Number they would not provide this information to me, because again their Customer Protection Department is a sham and they do not investigate real actual Identity theft. So again they are lying. They Recently opened the account AGAIN with another number and put it on my XXXX report. I will continue to have this account blocked, no matter how many times you change the account number because the account is FRAUDULENT. NOT AUTHORIZED. Opened from a Thief that you sent a card to a fraudulent address that didn't even verify to me. Again Discover is very shady in how they handle Identity theft, and they refuse to remove my liability from a fraudulent account I have never obtained, nor even knew who opened it. WITH STOLEN ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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: MI

Complaint narrative:
I went to XXXX XXXX XXXX to get my free annual credit reports. No problems with XXXX and XXXX, but I was unsuccessful with Equifax. 

Equifax asked a series of questions that were totally irrelevant to my credit history. All of the questions asked about transactions I never made and all of the answer options listed companies I have never done business with. When I correctly answered " none of the above '' to all of these questions, I was denied my credit report. Thinking it was a glitch, I started over. The same thing happened the second time. I am concerned that they may have corrupted data in my file, especially considering their recent data breach. I would like this investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Investigation did not fix error

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 2019-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a mail from Chase today stating that they are blocking my checking and savings account and closing them. It is due to the credit history but they can't give me specific reason. 

I would like to know why Chase is accessing my XXXX report for a checking and savings account? From my understanding, they generally access either XXXX XXXX XXXX or XXXX. Also, why Chase can't provide me with a reason as to what remarks caused the accounts to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I already filed complaint XXXX. While the company responded, it did not resolve the problem at hand. Please review below and/or the feedback I provided on the original complaint. 


We received a letter in the mail shortly after this response. However, when we took out the original loan the agreed upon LTV in our contract with XXXX was 80 %. I can provide this original contract with XXXX if you need it ( please see attached ). Please advise where to send a copy of this original contract agreement. Additionally, per our original contract, we can request to have PMI removed if the value of the home increases and the LTV is 80 % based on a new appraisal. This will be the case in our situation, as our home value has increased significantly. Based on this, I expect the contract to be upheld and the required LTV to be 80 %, not 65 % as explained in this response and the letter. Once I receive confirmation that our original home loan contract is being upheld, I would be happy to send the BPO fee and necessary paperwork in response to proceed with the process. Thank you, 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 2019-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or about XX/XX/2019, I contacted US Bank to report 17 unauthorized charges made to my checking account using my debit card ending in XXXX. US Bank issued provisional credit to my account on XX/XX/2019 in the amount of {$4200.00}, inclusive of any fees associated with the fraudulent charges. Claim number XXXX was opened. I timely returned the affidavit of fraudulent charges and patiently awaited resolution of my claim. On or about XX/XX/2019, I received two letter from US Bank dated XX/XX/XXXX, and XX/XX/XXXX, indicating that US Bank has found in favor of the merchant and that they would be reapplying the fraudulent transactions to my account. I was shocked and surprised to see that US Bank is requiring me to pay for fraudulent transactions which I did not authorize nor did I receive benefit from. US Bank proudly displays its Zero Fraud Liability guarantee but it appears that it nothing more than a farce. US Bank has flouted federal law by forcing me to pay nearly {$4000.00} in charges which I did not make. My follow up calls to US Banks Fraud Department, Office of the President, and US Bank General Counsel XXXX XXXX has of of the date of this complaint yielded not results. 

I am considering filing a small claims action to redress my loss.

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 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
72 e-mails received of which 26 were received on a Saturday or Sunday defined as inconvenient time, 1 received on Saturday and outside the contact peiod, and 6 were multiple e-mails received at same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: TX

Complaint narrative:
On XX/XX/2019 I wrote five ( 5 ) checks to various Companies that we had payments to make, all with a XX/XX/2019 date, and included our mortgage payment to Provident Funding, and mailed the payments via USPS as usual, 2 or 3 days prior to the XX/XX/2019 date. We have not been late paying our mortgage payment which had a due date of XX/XX/2019, and after that date it is considered late. All the other Companies I mailed our payments into all received our checks well in advance of the due dates, except Provident Funding. I have attached our XXXX Checking Checks Paid Statement and copies of the duplicate checks I wrote on XX/XX/2019 and dated the 5 payments for XX/XX/2019. On or around XX/XX/2019 I received an email from Provident Funding showing our mortgage payment posted XX/XX/2019, one ( 1 ) day after the due date of XX/XX/2019, and I called Provident Funding Customer Service and told them that I had mailed this payment almost 3 weeks prior to the posting date, and they said nothing about a late fee. About three ( 3 ) days after that I received notice that we were being charged a late fee of {$35.00} for something we didn't cause or do and have never been late in the past. I called Provident Funding and tried to explain and requested the late charge be removed and they refused. They also implied a threat of sending this to the Credit reporting Bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX or XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX or XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX or XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I contacted Barclays today to get a copy of the original card agreement that I signed. They told me that they do not have it and refused to provide it because it was sold to a collection agency.

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 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The below account doesnt belong to me XXXX XXXX # XXXX AMOUNT {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get 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 2019-07-29 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: OH

Complaint narrative:
The below account doesnt belong to me XXXX XXXX # XXXX AMOUNT {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: OH

Complaint narrative:
The below account doesnt belong to me XXXX XXXX # XXXX AMOUNT {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i was charged {$10.00} for a charged that was reversed by the merchant. 
this is outrageous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp
State: CO

Complaint narrative:
Lending Club. I cancelled auto pay through my checking account for a loan payment.XX/XX/2019. They responded XX/XX/XXXX confirming the cancellation. I understand I still owe this money, however they cancelled the autopay through email, but have attempted to withdrawal the amount three different times after the cancellation from my checking account and because the money was not in my account I have had NSF fees adding up. 
XX/XX/XXXX they attempted to withdrawal XXXX and it was returned with a fee. They attempted again on XXXX. It was also returned. They attempted to withdrawal XXXX on XX/XX/XXXX. It will be returned from my bank with another fee. I will be notifying my bank officially of the cancellation to attempt to stop further withdrawals. I did talk with my bank but they said I needed to talk to Lending Club.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2019, I recently received a letter from ( BOA Bank of America ) I realized they charged me {$35.00} while I requested closed account .I believed fraud activity from someone else .Last spring XX/XX/2019 I spoke with banking manager so why were you charged me a negative account balance.He said I must require to set direct deposit but I disagreed with him. I decided to be closed account, but manager refused it.Then I came back again I then my debit card to returned back to closed account.someone stole my funds without I know.I should not pay a deposit {$35.00} in my old account. 
Thanks 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 monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Re ; Citibank N.A. 
Flaws in interest rates ( over charge ) havent received check. First notified in XX/XX/2019, second time in XX/XX/2019 Have not received check and have called numerous times ( more than 6times ) and been told check hasnt been cashed and re-issued new check.Never received talked to : XXXX, XXXX, and XXXX to no avail

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 2019-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Sent mail and couldn't verify its my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Dear Sir or Madam : I had Citibank Business AAdvantage card with last four digits as XXXX. I closed the account in XXXX by Citibank. Citibank uses automated system to close an account. The system informed me that my account has been closed and I will receive a letter. There was no balance on my account. After XX/XX/2019, I started getting automated phone messages from Citibank that i need to check my account on the web without mentioning any account number. I have another credit card from Citibank and I checked that card activity on the web and everything was fine. I received an email from Citibank on XX/XX/XXXX that my credit card account is past due and I need to pay them {$140.00} on my account number XXXX. This really surprised me, because I had closed this account long time back. I called Citibank right away despite the fact that I am out of country. When I called, I got voice mail that office is closed. As soon as it was Monday morning on east coast, I called again and asked Citibank and they started telling me different stories about it. They told me that the account was closed due to non-payment and it is now in collection. They told me that there was membership fee of {$99.00} due on the account. I told them that I closed the account and they kept telling me that I still owe them membership fee. Not even once, Citibank issued me a statement that says that I owe them this money during all this time period. I received this statement only on XX/XX/XXXX when the account was closed in XXXX. They are telling me that they have called me several times. Not even once, they called me to tell me that my account number XXXX is past due. Every time they called, it would be a computer generated message that mention that I need to check my account on the web without even mentioning even once that it relates to account number XXXX. In the meantime, my web access to account number XXXX was disabled. I spent more than one hour on the phone and spent {$100.00} on international calls. They kept shifting me from one agent to another agent as if this is a joke and I was forced to pay {$140.00} for no reason. They contend that they reached out to me. How can a computer reach out to a human being? Please listen to their messages. I have saved those message on my voice mail. They only say that I need to check my web activity without even mentioning the card. Why should I be required to pay {$150.00} when I closed the account. None of them was willing to listen to me. I think they are deliberately fleecing the consumer. I would request your good offices to intervene on my behalf and help me get back my money from Citibank.

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