vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My Ex wife of four years has me listed as an authorized user on her delinquent credit card account. I found this out today when I went to request additional credit in my name. I do not have any information except what is showing on my credit report which is 6 digits of the account and that I am an authorized user. I called CITI bank to have my name removed and this information be removed from my credit file and they refused to help me. I talked to a supervisor and an advisor with no help. This was today XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 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: FL

Complaint narrative:
On XX/XX/2020, Citi sent me a letter saying they would be closing my accounts on XX/XX/2020. They specifically stated, " Your account will close on XX/XX/2020 and any Citibank ATM or debit cards for this account ( s ) will be canceled 5 days before. '' On XX/XX/2020 I attempted to withdraw the funds from my account and received an error. 
I attempted the same again on XX/XX/2020, and got the same error. 

I called Citi at XXXX seeking clarification and to resolve this issue. 
I spoke to XXXX and asked why I could not transfer funds between my Citi accounts. XXXX said the Business Support Unit put the block on the account. And that while there was nothing she could do, she would transfer me. 

She transferred me to XXXX at XXXX. XXXX said there was a soft block on the account placed by the branch and no funds transfers would be honored. XXXX said to call a branch because she did not have access to the block. and put me in touch with the closest open branch to me which was 278 miles and 4 hours away from me in XXXX, FL. 

I spoke with the branch manager there named XXXX. She put me on hold for an hour only to let me know there was nothing that could be done. But if I called XXXX they could help me. XXXX is the phone number of a California cable company. I tried speaking to a fourth Citi representative named XXXX, but was told the same thing, nothing could be done. 

This is a clear case of a bait and switch and Citi acting in bad faith. After explicitly saying, in writing, the account would remain open until XX/XX/XXXX, and asking me to withdraw funds before then, they blocked the ability to do so and are currently holding {$270000.00} of my funds XXXX. 

I repeatedly communicated with 4 different Citi representatives over the course of 3 hours on the phone trying to explain that they committed in writing to closing my account on XX/XX/XXXX and they asked me to withdraw my funds before then. 

I had initiated external payment requests because of their written representation. I repeatedly mentioned that if Citi held the funds, and denied the external payments requests I initiated, there would be significant financial damages sustained by me because of Citi 's clear example of bad faith by committing in writing to closing the account on XX/XX/XXXX, but then locking my funds on XX/XX/XXXX. 

Each day I don't have access to my funds, the damages are further increased.

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 2020-04-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
( XXXX true Identity theft ) I am a victim of identity theft Equifax confirmation # XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} XXXX XXXX  file number XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} XXXX XXXX  Report Number : XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} XXXX {$400.00} XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help THESE ADDRESSES DON'T BELONG TO ME XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: GA

Complaint narrative:
( 103 true Identity theft ) I am a victim of identity theft XXXX confirmation # XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XX/XX/XXXX XXXX  file number XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XXXX Experian Report Number : XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XX/XX/XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help THESE ADDRESSES DON'T BELONG TO ME XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 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
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have been trying to buy food pets supplies mattress from a XXXX online nothing was working for 2 weeks now. I have order several orders online all been declined saying I need to register my card its currently activated I order a new card thinking it was my old card problem .so I order a new one activated it then and it's still saying the same issues card information doesn't match but it does match I've changed it 3 time to match card nothing working at XXXX an spokes to them to is it their system or your fault I dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I opened a checking account with regions when I was around XXXX years old and used it very rarely living out of state. When moving back to the state in XXXX, I used this account with more frequency until switching to another bank because of the handling of deposits, withdrawals, and fees. The checking account remained open but was rarely used for the next few years. I was never charged a low balance fee or limited use fee during any of these times. I then opened a heloc with Regions in XXXX and started using the account to make these payments. When I paid off the heloc in XXXX, I started receiving an {$18.00} charge every month. I have called several times over the past 2-3 years and have never been given a solution. The rep would usually tell me that the fee didn't make sense, that they weren't sure why it was charged, or that I would need to figure out why it had changed and discuss the issue with whichever branch caused the issue. Apparently, as I was told by a representative a few months ago, at some point while I had the heloc, my account was " converted '' to another product that would help me by gaining interest on my checking account t balance. When the heloc was closed, which was preventing this fee from being assessed, the fees started accumulating every month. I was finally told today that they would put in a request to change the account back to the original product, which would eliminate the fee, but I was only eligible for one fee reversal. I feel that this is an unacceptable deceptive practice because I was charged {$18.00} per month for the last few years with no explanation, no apology, and no restitution. The account was converted without my knowledge and, until today, I couldn't even get them to change it back to save future fees. I have struggled for years to even understand why this was done or how to change the account to save the fees. I would have completely closed the account and severed the relationship but have kept it open because I have a recurring transfer to my parents ' regions 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 monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I submitted application to FlagStar Bank for inclusion in the federal mortgage forbearance program. 
I received a conformation that I was accepted on or around XX/XX/2020. On XX/XX/XXXX I received a phone call from FlagStar Bank that I should call them about my " late '' mortgage payment on XX/XX/2020. When I called, I was told even though I was in the forbearance program, I should try to make a payment and that the call was an attempt to collect a dept. 
I told the agent I considered the call and the attempt to collect a debt harassment and if I was accepted in the forbearance program, there should be no need for me to call in and explain my situation all over again. 

My complaint is that FlagStar is practicing harracement of participants in the federal forbearance program.

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 2020-04-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has reported a discharged Bankruptcy Chapter XXXX from 2012 that has an incorrect State and address. They have the wrong person. I have never in my life lived at XXXX XXXX XXXX, XXXX, KY, XXXX. Nor do I have any family or friends who live in Kentucky. This is 100 % not me. So this incorrect information needs to be deleted without fail. The reference number for this inaccurate report is XXXX. Date : 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 2020-04-22 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Upon returning from a work trip to Florida, I noticed my card balance was much higher than anticipated. I immediately contacted capital one to notify them of the unauthorized charges and I was told they would submit the claim. In a matter of days I received a letter in the mail stating nothing more than we've determined you or someone you know benefited from the card. I contacted the company again when I was getting ready to make my payment since I would be making a payment for the balance less the unauthorized charges. I spoke to a Fraud dispute manager by the name of XXXX ( XXXX ). While speaking with XXXX I was placed on hold for roughly 45 minutes while she attempted to contact the adjuster who handled my issue. She was unsuccessful in getting in touch with them so I asked how the determination was made to confirm the charges were authorized. She explained that they confirmed the card was present on all but 1 of the 7 charges. I asked how they could possibly confirm that my card was present at the time of the purchase to which she stated our system just knows. I asked if there was any other proof confirming that without a doubt the card utilized was in fact the card I had in my possession. She stated there was nothing further she could provide but would have someone contact me back within 24-48 hours. I requested she place the charges into a dispute status as the charges are still being disputed by me to which she stated she could not do that. 

I am able to confirm my whereabouts during the times these transactions were completed which I explained to her but she did not acknowledge that statement. 

These charges are unauthorized and I do not believe a reasonable investigation was completed on my dispute as I am 100 % sure I did not complete these transactions and I do not believe capital one has proven otherwise. I requested any details surrounding their decision but was told I would be receiving nothing further than the letter stating I was responsible for the charges. 

I would appreciate some assistance with gaining access to the details of their investigation so that I may determine my next steps. 

I have no issues paying for the transactions I completed but I do have an issue with this company attempting to take advantage of the working class to continue lining their pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I downloaded XXXX XXXX  yesterday for the first time and I noticed I had several accounts that didn't belong to me. So I decided to pull my report and noticed several accounts that are not mine.

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 2020-04-22 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: TX

Complaint narrative:
I downloaded XXXX XXXX  yesterday for the first time and I noticed I had several accounts that didn't belong to me. So I decided to pull my report and noticed several accounts that are not mine.

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 2020-04-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I need assistance with my Mortgage Lender due to COVID-19. The loan servicing company Select Portfolio Servicing has told me that my Lender is only offering forbearance for 3 months with the 3 month lump sum due in full at the end of 90 days. It appears that the primary note holder is XXXX  XXXX XXXX. My original loan was with XXXX  XXXX which transferred to XXXX when XXXX failed in XX/XX/XXXX. The current note holder reads as follows : XXXX XXXX XXXXXXXX, successor trustee to XXXX XXXXXXXX XXXX, XXXX  successor in interest to XXXX XXXX XXXX XXXX, as trustee on behalf of the XXXX XXXX XXXX XXXX, XXXX XXXX is the owner of the account. 
Since XXXX XXXXXXXX XXXX was purchased by XXXX XXXXXXXX XXXX in XXXX, XXXX XXXXXXXX XXXX appears to be in 1st position. 
It is my understanding that XXXX XXXXXXXX XXXX is helping homeowners during this COVID-19 pandemic by offering deferrals and adding the missed payments to the end of the loan. 
Why are they not offering the same to me? 
Not sure how many banks got bail outs on my loan after the XXXX crash, but it seems like a few did. It is time the banks do the right thing. I need help now, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I want to file a complaint with Credence Resource management for deliberately trying to reage a debt which is against the law! This is a collection agency that now owns an account for my old account XXXX XXXX XXXX.It was first reported late in XXXX by XXXX XXXX XXXX . It was eventually turned over to a collection agency in XXXX. In XXXX XXXX, i had filed for XXXX XXXX Bankruptcy which i had dismissed in XXXX. No-one other than my attorney received any payments from me from the bankruptcy. This is no reason to re age a debt to another 7 years! The original date of first delinquency must always carry over from the original creditor no matter who owns the debt. They put it on my credit report as a new charge off account which is not legal! This cost me 20 points on my credit report! This is against my rights under the fair credit reporting act! Also, they never sent me anything in writing on this debt which is required before adding it to my credit report which is also a violation of my rights! I have 30 days to review it and a right to dispute this information before it goes on my report. They violated my rights! This account must be deleted due to discrepancies and by not filing the law! I have enclosed all of the original bills from XXXX XXXX XXXX as proof of the original date of delinquency! Also, this bill has been in dispute for some time. I had went round and round with XXXX XXXX XXXX about the charges and unless they offer me a settlement, i am not willing to pay it. The bill is showing allot more than what i owe!!! 

Credence Resource management Account # XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld systems has called my mother number repeatedly and more than 2 times in one day. I have repeatedly said to not contact my mothers phone NOMORE. We are in the midst of a global pandemic that is affecting millions, and they call asking about money. not only is that rude but its against the law in this current situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase refuses to deposit money to escrow to cover projected shortages which would allow the borrow 's payment to remain the same. Instead, Chase demands the payments go up with taxes and insurance stating RESPA requires 1/12 of taxes and insurance be collected each month even if the rule, if it exists, is satisfied by sufficient escrow funding. Chase refuses to provide the law or even cite the law. Chase refuses to accommodate the needs of borrowers who try to keep their payments the same in case of hard times such as now! Borrower is not asking to lower the payment but to keep it the same by depositing to escrow more than sufficient funds to cover the projected tax and insurance increases. Chase can not justify their action if the 1/12 rule is satisfied by an adequate escrow balance, refuses to accept escrow deposits, and demands payments be increased. Also, Chase applied escrow funds to principle without authority and refuses to apply those funds as directed and refuses to return the escrow funds applied to principle. Chase 's actions are unfair and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I had a debt that I owed XXXX XXXX XXXX  that was in collection with XXXX XXXX XXXX that was paid off on XX/XX/2019. We decided to settle for {$50.00}. Now all of a sudden Portfolio Recovery ( which is a different collection agency ) is stating that I still owe {$340.00} when I already settled with XXXX XXXX on the aforementioned date. Because of the wrong information that Portfolio Recovery has .. my credit score has gone down drastically. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I pulled my credit report on XXXX and it shows 3 weird open files on me saying delinquent or I have to pay.. its on my XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Dollars when I called the number that was listed the guy gave me a account number which isnt mine XXXX I explained to agent for XXXX they checking on. 2 is XXXX/XXXX XXXX  they didnt have my information so they checking into this. And this on XXXX XXXX  XXXX cant pull any of my information up but say I owe.. none of these credits can pull any of my information up but yet they are on my credit 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