vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 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: SC

Complaint narrative:
I been having a terrible experience with XXXX  and Capital One.My credit score was XXXX as of this month of XXXX up until XXXX XXXX it dropped tremendously 120 points back to XXXX over night, due to a capital one account for the balance of {$950.00} and according to my credit report it's saying this account was opened XX/XX/XXXX XXXX.I have no knowledge of this and I disputed it quite a few times till finally It was removed in XX/XX/2019 and and it was taken off my credit profile but now its back on there and I informed XXXX  about this matter and although I have a security freeze an XXXX   representative told me that Capital One broke or lift my security freeze which is illegal i'm thinking for one and to add to that this account isn't mine, and I worked very hard to get to this status and explained to them I been a victim of identity theft and did the report online and they have it on record, Infact all three bureaus do. This is hindering me because literally I'm been pre-approved for a mortage loan and i'm literally in a middle of closing and all documents been signed for both parties, now the lender gon na submit my documents to the underwriters and then this happened with my score dropping over night out of no where down to XXXX but just the day I was at XXXX.Please if there's anything you can do to fix this matter like yesterday, I will greatly appreciate it.By the way I know there's people in this world that don't mean well with no go intentions but i'm not one of them.I ; m an genuine honest guy and family man and a professional welder and just wan na do right by my family and be able to purchase the home we deserve.I work on the road alot working XXXX XXXX at XXXX XXXX and XXXX XXXX and barely home my personal info has been probably vunerable and leaked on the dark web, Which I stated this in my identity theft reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2020 I took a flight to XXXX XXXX heading to XXXX XXXX. I visited an atm machine with the name of XXXX/ XXXX  XXXX. I personally requested from the atm machine {$400.00} dollars American currency. The atm machine had a withdrawal fee of {$7.00}. I was immediately notified from my bank app of XXXX atm withdrawal. I immediately contacted US Bank after the notification on XX/XX/2020. After contact I stated that an over charge was charged to my account of XXXX. They filed a dispute against XXXX and must rely on their information therefore denying the dispute. I have no record of withdrawing amounts over {$400.00} on atm machines. All cash withdrawals over {$400.00} is not allowed in any us bank atm machines. As of XX/XX/2020 US Bank will withdraw the provisional credit provided. A second dispute has been opened as of XXXX.Travel notification was not set for the card. Fraud division failed to detect fraudulent charges on my card. How can such amount be accepted and not denied. This transaction is out of the normal for my activities.

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 2020-04-06 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$390.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-06 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$390.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-06 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: NY

Complaint narrative:
After reviewing my TransUnion credit report, i noticed there is an inquiry on my report that i have no clue.I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

Inquiry Details : Company Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX. 
Phone : ( 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 2020-04-06 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
NOTICE OF ERROR i was offered a loan modification in 2018 that would result in higher payments and extending the loan to a 40 yr mortgage although the interest rate was 2 points lower in 2018 the offer was at 5.675 giving no relief to me i would like them to review their offer and 1-explain how the payments were calculated 2-how much the 40 year mortgage would cost at the end of 40 years vs the {$78000.00} that remained on the mortgage when Bayview took over the loan 3-supply the NPV calculations 4-supply the application received for the Loan Modification which you used to calculate my income and expenses 5-how you calculated the value of the home 6-credit scores you used in your calculations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Credit card with Chase Bank has a large fraudulent transaction on it from XX/XX/2020 for {$290.00} for something called XXXX. Ive tried repeatedly to reach Chase but once I get through the phone tree the call hangs up. I understand call centers are challenged right now but either remove the fraudulent charge or be able to discuss by phone. As it is the charge remains and I have no way to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: WI

Complaint narrative:
I have sent in 3 requests to un-freeze my Sagestream and they have all been ignored. I requested to un-freeze online and over the phone. I have called and left several messages and still have not received a response. I requested to remove security freeze using my PIN number on the Sagestream website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loancare messed up my accounts charged me late fees, a huge amount of interests and provided me inaccurate pay-off statements

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 2020-04-07 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: HI

Complaint narrative:
I call Transunion to request a MOV .... I got a letter from the court house ( the clerks office does not report any information to the credit reporting agencies ...

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 2020-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I brought up this exact concern to the Home depot before opening my account. I was guaranteed by the credit account manager that the Home Depot would never change account terms to add full back interest after the two year promotion date was over. Specifically he said that " The Home Depot cares too much for its customers to do that '' and that my account was " Two years no interest '' and that my concern was " two years deferred interest ''. THAT IS HOW HE SOLD ME ON CREATING AN ACCOUNT. Additionally, since I spend so much time TDY away from home, I have always set up payments so that purchases will be payed off in full before the end of two years. this method of managing my account has worked well for ten years with no problems until now. I don't know what went wrong. The auto payment were not nearly as agreed, in fact Citi made them digressive until the end of the two years and then added the full back interest to the principle. This is terrible PREDATORY lending and an internet search reveals Citi as absolutely famous for this. I contacted them when I learned about this and asked them to contact me to discuss it. No one contacted me. They just left me a message that they turned down my request. ( Which I hadn't even had a chance to explain yet ) Now, over a year later I have had some time to re-visit the issue and when I contacted Citi executives I was told that it had been too long ( even though I first contacted them when it happened ) and that it was my fault since I " chose not to manage my account ''. 
I don't deserve this. NO ONE DOES. 

1 I have excellent credit and have never missed a payment so why are Predatory Banks like City allowed to charge any interest rate they please?? 
2 why can Banks change the terms of credit accounts as the please and then tell me that " they sent me letter '' informing me of the change in terms?? Should notification methods be adiquate for EVERYONE, even if some people spend much time away from their place of residence. Why can't changes REQUIRE a confirmation.

3 How can organizations like Home Depot, Best Buy, Costo and others allow their customers to be taken advantage of by such a predatory lender as Citi? How can they possible demonstrate their disregard for their patrons any more clear?? ( I'm going to bring this up with the executives of each )

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 2020-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I emailed Navient after I submitted renewal of Income Based Repayment Plan after the company rejected my renewal application due to my income not being qualified as a financial hardship. I asked if the interest on the loans would capitalize. This is what the company wrote : -On XX/XX/2020 : " Your interest will not capitalize so long as you renew your Repayment Plan prior to your current plan expiring. If, in the future, you decide not to renew, your interest will capitalize. '' XXXX XX/XX/2020 : " You are still considered to be in IBR plan for loan forgiveness purposes. '' XXXX XX/XX/XXXX Navient capitalized the interest on the loan in the amount of {$6500.00}. 

I re-applied for IBR before the deadline, and I was told that I'm still in the IBR program and that interest would not be capitalized. The company should not be able to capitalize the interest when I reapplied in time and told me it wouldn't be capitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account navient put it back on there. they claim that i owe {$110000.00} witch is impossible.i have  proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as recievables performance, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX i simply ask that these ithems to be remove from my credit report thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I was unaware that my cash app account was hacked and was used to send {$200.00} dollars to someone. I am here to put in a complaint ASAP as I caught it early before the money has been taken out my bank account. I tried asking for a refund to whoever the money was sent to and they declined my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received a letter from Suntrust 3 weeks ago, around XX/XX/XXXX or XX/XX/XXXX. They stated they were closing my checking & savings account on XX/XX/XXXX. In the meantime, I called to ask why and was not told a specific reason. Just for me to go online on their website and read the rules & regulations section, it was a long list so the rep said read since its too long to read over the phone. The rep also told me my account is frozen, mo closed yet so I could visit my branch and close in person. No other information given when I got the letter/called that night. 
I was sick with flu 2 times, first being when I called the first time. So I had to wait 2 days later to visit my bank branch to go ahead and just close. Not feeling well, but I needed my money to pay bills immediately. All of my auto-pay bills were scheduled already. I was told in XXXX county ( XXXX XXXX/XXXX, Tn ) that I cant close my account. I was given a Suntrust Fraud Department phone number and told I can find a check mailed to me in about 45 days, as their procedure. Again, no information was given as to why this happened. 
Ive been a customer 7+ years, with no issues, no debt. I had fraudulent activity on my checking account, ongoing charges from XXXX the past 2 months which I disputed and Suntrust quickly refunded these small purchases. Also before I knew of my account being closed, I had requested a new debit card after I was charged {$100.00} from an unknown gas/convenient store ( XXXX ). I got my new card and unable to even use it as shortly after I activated it, it was frozen. 
This has caused extreme turmoil in my debts to creditors, time and anguish situating a new bank. I have XXXX Income, XXXX grown kids with my obligations to their bills as well. Ive had to take time off my part-time self-employed business to take care of this unnecessary hassle. 
I submitted a XXXX XXXX XXXX report 2 weeks ago, but they quickly closed it without a resolution and none of my funds & no explanation given to me, again. Suntrust was responsible to call me to follow up and mediate the situation and never did. 
I was sick, again, last week and yet I called Suntrust Fraud Department back, to get the status. Again, no further information as to why they closed my account was given. I have still been sorting my new bank information so I can finally pay all of my bills today, which took 3 hours. Totally beyond frustrated with this outcome, it isnt right. So Truist still has $ XXXX of my money, without me being able to access it. I owe NO debts to this bank for them to be reviewing my account. It should not take 3-4 weeks to review when Ive done nothing wrong. Let alone, hold my money.

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 2020-04-07 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: HI

Complaint narrative:
I call Transunion to dispute my Bk. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The Transunion Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

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