vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: CA

Complaint narrative:
Lost card when I had an account with them sent bank memo and police report advising of such. Post dated autopsy enrolled resulting in returned payment. 

They closed my account then advised they would be reopening. After months i continued to go back and fourth with every rep offering a different answer. 

I was advised allow 30 days that never happened. Then after months of following up instructed to reapply contrary to what I was informed by over 8 reps. I was advised I was blacklisted by a special department and transferred to the office of the President.

The condescending representative from the office of the President stated she has no idea why my account was flagged as payments were kept up and the account paid off it should be removed she would have removed but they would not reopen Then they refuse to remove and have blacklisted me for life she stated. What kind of service are you running are you serious?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused 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 explanation
Consumer complaint received 2020-12-22 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: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
received a U S Bank Reliacard to receive unemployment benefits that I never applied to receive nor am I unemployed. The card was sent to my home address however the name on the card is not my legal name - a portion of the name is correct but not the entire name

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 2020-12-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I found out in the earlier part of last year that I was accepted in Law School so I started reviewing my credit report to make sure there were no disparities so that I could qualify for student loans that upcoming fall quarter and I discovered an student loan from Citibank was reporting a balance of {$3900.00} ( as of XX/XX/2020 {$3900.00} was written off and {$1000.00} was past due ). First I contact the company that was originally listed with Citibank on the XXXX report and they were called XXXX XXXX. XXXX XXXX informed me that they no longer had the account and that it had gone back to Citibank. I contacted Citibank right after the phone call and Citibank informed that there was no debt associated with my name or social security number after sending me to numerous departments. So I went ahead and filed a dispute with XXXX and let them know the information I was given. I began law school and started accessing my credit reports again and the account was still on there so I filed another dispute in the months of XXXX, XXXX and XXXX. To no avail the account remained and XXXX reported the debt was valid. I continued to file disputes in 2020 and called Citibank an additional 2 more time and was told every time that there was not debt for the amount listed on the credit report associated with my social security number. All of this information was once again sent to XXXX and the results of their dispute remained for the months of XXXX, XXXX, XXXX and XX/XX/2020. As of 2020 XXXX started not only reporting the possible debt as a charge off it is also reporting it as being late. This account has led me to becoming so depressed I do not see a way out. As of know I will not qualify to go back to school next Fall because I will not qualify for student loans due to this negative mark on my credit report. I am distraught because I have work so hard to get to this point in my life. If I do get to finish law school eventually I will be the first attorney in my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Previously submitted letter to Transunion, no response. Filed complaint via CFPB, the case was closed out and advised to allow an additional 30-60 days to remove unauthorized inquiries and update personal information. Nothing has been done on the complaint and it was closed out, when it has been well over 30-45 days.

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 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I checked my credit reports through XXXX XXXX and XXXX. I have two credit cards with USAA and on all my credit reports, it shows that one of my credit cards has been closed. USAA said everything is normal and their no restrictions on the accounts and dont know why they would show closed on my reports. My credit reports are being tampered with and Im in the middle of home buying. I need help. Closing accounts can show as negative on credit reports and I need to know why this happened. Its not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I have received a delinquent bill for a loan I NEVER applied for nor received From XX/XX/2015 with XXXX XXXX they CAN NOT or WILL NOT send me ANY PAPERWORK with my ID, signature or copy of the car title used ( which I HAVE NEVER OWNED )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have received in mail mid XX/XX/2020 a US Bank ReliaCard that I never requested. No accounts with US Bank. I did some research and appears there is a situation on state of Colorado with scam on unemployment cards. Not certain this is part of it but I dont live in that state nor have I filed unemployment as I am retired. I have tried to call phone number listed but dont want to activate the card and it is asking for all my personal information. If a scam I dont want to give it out. Please advise

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 2020-12-22 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
CB/XXXX. I have had this account for like 6 years. I use it and I pay it on time regularly. 

On XX/XX/XXXX, I called in and asked what is the payoff amount so that I may close the account with a XXXX  balance. They told me the pay off amount was approximately {$85.00}. I paid the full amount immediately and they confirmed it would be closed. The payment went through. I confirmed with the rep that my account was closed and they closed my account. 

Three months later, I got a bill for about {$180.00}. I called them and they said that is what I owe but I told them that I already paid the payoff balance and that they closed my account already. What are the charges for? They said it was the late fee since it was not paid on XX/XX/XXXX. How can there be a late fee when I paid off the full amount balance and request the account to be closed and they closed my account on XX/XX/XXXX. 
The payment and closure happened BEFORE THE DUE DATE, so no late fees and interest should have been accrued. 

Now my account is reporting with a balance of {$250.00} for the late fees and interest accumulated over six months for an account that I paid off and closed. This is not how a business should be run. 

I spoke with representatives three times and even though they confirmed I paid off the account and closed it on XX/XX/XXXX, they still insist it was late on XX/XX/XXXX and that they will not remove the fees/interest unless I pay them. I feel these fees and interest are not my responsibility if I did my due diligence to pay off my account timely and in full. It seems like this is an error on their part and it is their responsibility to rectify it by removing all financial responsibility on my part and reverse any adverse actions to my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MN

Complaint narrative:
ORIGINAL COMPLAINT XXXX ( XX/XX/20 ) CLOSED BUT THIS IS NOT RESOLVED! 

I understand this complaint has been closed but the issue has NOT been resolved! It is no different than when we started in XXXX. We received a letter from XXXX on XX/XX/20 ( dated XX/XX/20 ) that stated specifically the issues and that all was resolved. ( That's when they closed the complaint ) We immediately requested a payoff statement to verify ( dated XX/XX/20 ), and did not receive it until XX/XX/20 and it is STILL INCORRECT. 

PLEASE SEE ATTACHED DOCUMENTS I've attached a mortgage statement from XX/XX/20 showing a principle balance of {$340000.00} - tell me how, AFTER a total of 6 payments ( 4 lumped together on XXXX of {$10000.00} ) and two others ( XXXX & XXXX ) in excess of {$2500.00} each - how can our principle balance now be HIGHER?? Payoff statement dated XX/XX/20 says we owe a combined principle balance of {$350000.00}!!! 

The transaction history shows 3 different times we were credited for the {$7600.00} ( total of the 3 monthly payments ) - but that it was also DEDUCTED 3 times!! So we did NOT get credit for that {$7600.00} paid and the " second mortgage '' is STILL SHOWING A BALANCE of {$7900.00} - when it should never have been created in the first place!

Also, our escrow has not been corrected! What happened to 3 payments worth of OUR MONEY TO PAY OUR TAXES AND INSURANCE?? This was paid in the XXXX lump payment - 3 months of escrow are missing totaling {$1700.00}! 

We had a mortgage audit done not long after our original CFPB complaint. 
I have attached that for your reference. 

PLEASE help us. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I paid a total of XXXX to XXXX XXXX as my final payment before moving out. The payment was done with a cashiers check dispensed through my bank, XXXX XXXX XXXX XXXX XXXX XXXX. I have proof of the check. 

XXXX XXXX submitted the payment on XX/XX/2019 into their system. I also have proof of their records as they have given me a copy. 

Months later I received a copy from National Credit Services that I owed the same amount described above ( case number XXXX ). 

I called the apartment office to let them know of the letter received from National Credit Services. I was told it would be corrected from their end. Over a year now, this collection is still under my credit report. Please let me know what to do in order to have it removed. 

I did call National Credit Systems and was advised to mail in proof which I will. I am in the middle of refinancing my home and this collection is keep me from having an excellent score. Please advise me on the proper steps to get this removed. It seems that mailing my information will still be lengthy process. 

Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial has put a 30 day late delinquency on the disposition fee of the return on my lease. I had returned the vehicle on XX/XX/XXXX. My account was put on auto-pay, but was not aware that they had removed my auto-pay information after the vehicle was returned. I had a 3 year lease for a XXXX XXXX XXXX. During this time, we had moved to another apartment after the vehicle was returned not receiving the latest letters from GM Financial. I did receive a call that I do not have recollection of in the middle of XXXX as my family and I were dealing with COVID exposure and quarantining for 2 weeks. The balance was settled on XX/XX/XXXX, 2 days after the apparent 30 day bill in the amount of {$430.00}. I was never late on any payments throughout the lease and did not have insufficient funds. I was under the impression this would be automatically taken out, however this was an unfortunate miscommunication and timing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: NJ

Complaint narrative:
Experian continues to report false information on my report. 
XXXX account is fraud. 
I am a victim of identity theft with various discrepancies on my credit. XXXX and XXXX  have removed the accounts in question. I have supplied my FTC report from last year with the account in question listed on the form. Yet they fail to remove this fraudulent account from my report. I am demanding immediate removal of this false information at once.

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 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi Boa ; I just came from your local branch because my card hasn't been working and they said that my card was closed. I checked with my credit report now, and it showed 3 consecutive missed payments. I made my last payment with BoA of over $ 200+ back in XXXX / XXXX and never used the card again. How is it possible that i have a bill of {$50.00} with you guys. Plus I never received any emails, texts, mailed about my statements in order to alert me of any missed payments. The fact I never used the card since my last payment, I wasn't aware that i owed that amount of money. The bank Rep pulled an old statement from the archive and went through a transaction from " identity '' subscriptions that i never opened before. My card was compromised and they immediately closed whatever account and initiated an investigation, to have that money returned to the bank of America. THat's a fraud that happened and I'm not liable for it plus I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report. Please remove those 3 last payments that you reported on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I need to know what I have on my credit that is causing me probletoo know what it is 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 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
VISA Account Number : XXXX XXXX XXXX XXXX VISA Account Number : XXXX XXXX XXXX XXXX XXXX Case Number : XXXX VISA Case Number : XXXX Merchants Name : XXXX / XXXX Date of Transaction : XX/XX/2020 Sir : On XX/XX/2020, I paid {$430.00} + {$430.00} = {$860.00} on VISA card with respect to two flight tickets. 
I was assigned XXXX flight number XX/XX/XXXX XXXX for XXXX from XXXX XXXX to XXXX, and flight number XX/XX/XXXX XXXX for XXXX from XXXX to XXXX. 

On XX/XX/2020 ; I received an email shown in EXHIBIT 1 from XXXX XXXX advising that flights were cancelled by XXXX. 

On XX/XX/2020 ; I phoned VISA and requested a charge back credit of {$860.00}. 

On XX/XX/2020 ; VISA issued a temporary credit of {$860.00}. 

On XX/XX/2020 ; I faxed document shown in EXHIBIT 2 to VISA, to comply with their request. 

I received a letter dated XX/XX/2020 from VISA ; shown in EXHIBIT 3. 
The letter advised that the charge for {$860.00} was being reapplied. The information provide by XXXX stated that I had requested a voucher in lieu of the credit of {$860.00}. This is a false statement, as I did not request such voucher. At this time, I request a credit of {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XX/XX/2020 I sent Experian and XX/XX/XXXX a 609 Letter/ Dispute advising the items on my credit report was incorrect and advised these two companies I had no contract with these companies and to show proof there was a contract with a Wet Signature proving I signed a contract with these companies and if nothing was provided to removed these negative items from my credit report. Contract Makes The Law ... ... .. No contract no obligation. This is clearly FRAUD and the credit bureau continues to report fraudulent information to my credit report.. They are not doing their job or due diligence. 

Experian XXXX. XXXX XXXX XXXX, TX XXXXXX/XX/XXXXXXXX. XXXX XXXX XXXX, GA 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