vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I applied for credit and submitted a request to Experian to temporarily remove the credit freeze on my credit report. I was given confirmation that the lift was in place from XX/XX/2019 thru XX/XX/2019. I later received word from the lender that they were unable to verify my credit. I made a second attempt to lift the freeze from XX/XX/2019 thru XX/XX/2019 and was given a confirmation #. Once again the lender was unable to access my report. I made several attempts to contact Experian by phone and online but their menus do not offer any way to question why the freeze was not lifted and I found it impossible to reach any person to even ask questions of let alone resolve problems. As a result my credit application is still held up until I can get a resolution to this problem.

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 2019-03-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have medical bills that were not paid because of bad insurance that didnt pay and the billing department that knew that I was a veteran and didnt bother to send the bill to the VA billing department. It is still on my credit report along with bill that are over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an alert, that I had a hard inquiry on my XXXX  credit report on XX/XX/2019. I viewed it and it was from Chase Card. I contacted the business the following day, informing them about the alert and the fraudulent hard inquiry and was told to dispute with XXXX. I did not dispute with XXXX, because I have a fraud alert attached to my credit report, because of previous fraudulent activity and any company that receives an appliication is to contact me and Chase Card did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I received a letter stating I owed a past debt to XXXX for {$130.00}. 
# 1 ) We have never been contacted by XXXX of an open unpaid bill # 2 ) Our XXXX account is linked to a credit card so their can not be any open balance owed to XXXX. 
# 3 ) We checked our XXXX account and it has a zero balance and is in good standing. 

This is a fraudulent attempt to collect money hat is not owed nor did they provide any details as to the transaction in question.

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 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Accounts XXXXXXXX  and XXXXXXXX XXXX XXXX XXXX XXXX. Credit limits for both cards {$27000.00} based on false consumer house hold income of {$150000.00}. 

USAA participate in consumer and bank fraud along with their business partner XXXX known as XXXX XXXX XXXX base in Nevada. 

XXXX is dishonest of raising capital for their clients through their business partner USAA and many other banks who participate in consumer and bank fraud such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX by filling out false information online consumer credit application and using false information and false Business Projected Income as Stated Income in the consumer house hold annual income to allow for the client to get a high credit limits for start ups. This is called fraud. It is not the consumer fault of deception by XXXX XXXX XXXX and the Banks. 

XXXX XXXX XXXX is use for business credit and loans for business. Stated Income mainly a Stated Income Mortgage where you provide some documents such as bank statement. There are hardly any more banks accept Stated Income due to the market crash. Due to Dodd Frank Act lenders are required to ask for proof of Income to meet the reqiurments.. 

USAA is only for USAA members and Military and family members. The XXXX XXXX XXXX  cards were never open to Non Members and Non Military at any giving time. Sending me phony 1099-c tax forms and a {$10.00} dollar refund check with different account numbers. 

XXXX and USAA are still working together to commit consumer and bank fraud. USAA is destroying my credit due to their action of wrong doing. 

I had tried to communicate with USAA by emails. All USAA is reading my emails and not responding I am being ignored. USAA is not denying anything that I am accusing them of. I only communicate by email and not by phone. 

I GOT XXXX!! 

USAA needs to respond to my complaint online and not send me a letter with their response unless USAA got something to hide

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, So I traveled to XXXX recently and was charged an extreme overage at a restaurant. I spent about {$20.00} and they charged me : XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX XXXX {$700.00} I contacted Chase about the charge. They temporarily reversed it but then gave me a call saying the merchant provided evidence and I did not respond to their mail. I contacted them back saying they did not send me any mail. They said the dispute has been closed in favor of the merchant. 

It was reversed : XX/XX/2019 REBILL XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} Not sure what can be done because this merchant is in XXXX and I am in the US and tried calling but they just hang up. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX took over my mortgage as of XX/XX/XXXX. I received my first statement in XX/XX/XXXX. I noticed it had a caption regarding bankruptcy. I called and they stated it was because I had a bankruptcy associated with my social security number. But that I am in good standings with them. I started a re-finance thru another company and when it came time to view my payment history, they stated there was none on my credit bureau since XXXX XXXX was paid in full. I called XXXX back XX/XX/XXXX and they stated that my home was discharged in bankruptcy and by law they could not report to credit bureau. I told them no, my bankruptcy was discharged in XXXX and I assumed the mortgage in XXXX. I was advised to upload the documents and I was not allowed to speak to the bankruptcy department until I did. XX/XX/XXXX I uploaded all requested documents to their website. XX/XX/XXXX Spoke with XXXX XXXX @ XXXX he stated no changes. XX/XX/XXXX spoke with XXXX and requested a supervisor. XX/XX/XXXX Spoke with supervisor XXXX XXXX and she stated she would escalate the review, it would be taken care of 14 business days versus the 30 days. XX/XX/XXXX Spoke with XXXX XXXX she stated no way to expedite. XX/XX/XXXX spoke with XXXX XXXX and again got no where so I asked for a supervisor again. I was transferred to XXXX XXXX he stated should have an answer by Friday XX/XX/XXXX. Called XX/XX/XXXX spoke with XXXX XXXX with no updates. XX/XX/XXXX Spoke with customer service rep and requested a supervisor, they stated all of them were busy and they would call me by end of business day. XX/XX/XXXX No call from supervisor, called and XXXX XXXX answered ; I again requested a supervisor. I was transferred to XXXX XXXX She stated their bankruptcy department agreed with my documentation and that advocacy department now has the file for the credit updates. It is now XX/XX/XXXX after the 30 day review with nothing updated or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: NY

Complaint narrative:
Identity theft.

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 2019-03-12 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: NC

Complaint narrative:
Have sent documentation originally in XXXX again in XXXX and update police report in XXXX. Still reporting incorrect information then starts disputes but credit bureau does not send police report but does a regular dispute. XXXX is the only one taking it serious and me as a victim still suffering from incorrect info being reported. Also they continue to lose what I sent over. After I verified they received it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have medical bills that were not paid because of bad insurance that didnt pay and the billing department that knew that I was a veteran and didnt bother to send the bill to the VA billing department. It is still on my credit report along with bill that are over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My Bank of America credit card has been charged with fraudulent charges from XXXX XXXX, see charges and dates below : XX/XX/XXXX XXXX XXXX  {$110.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX  XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX  {$1500.00} XX/XX/XXXX XXXX XXXX {$1700.00} There were two additional charges inXX/XX/XXXX and XX/XX/XXXX which were 'caught early ' ; they no longer show up in my statements so I can not quote the exact amount and date.

Each time, I reported the fraud to BoA, the charge was reversed and I was sent a new card. I also called XXXX twice to report this fraud. I have never had an account with XXXX. Both companies have promised to properly investigate the fraud but neither company have been able to stop the fraudulent charge from happening each month.

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 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I received a letter stating I owed a past debt to PayPAl for {$130.00}.

# 1 ) We have never been contacted by Paypal of an open unpaid bill # 2 ) Our Paypal account is linked to a credit card so their can not be any open balance owed to PayPal.

# 3 ) We checked our Paypal account and it has a XXXX balance and is in good standing. 

This is a fraudulent attempt to collect money hat is not owed nor did they provide any details as to the transaction in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, my Regions Bank card wasn't working. Nor was my wifes. ( same account ) I called the branch and was told I need to come by. Turns out that on XX/XX/XXXX, 3 fraudulent checks were written on my account that I've owned for 30 years.The first check was to XXXX XXXX XXXX. Only {$74.00}. They then had printed checks made with MY account number and a name of a woman in XXXX. XXXX MN. XXXX XXXX name was on the check with my number and she then wrote 2 checks drawn from my account on same day ( XXXX ) Each check was for {$18000.00}. I never had a call to verify anything. In fact I wasn't informed until I called a week later. I never write checks like that! 

I've filed a complaint with Regions and NOTHING has happened. I'm out my money for 3 weeks now. No apologies, no money. I have opened up a new account so I could begin moving credit card and direct payments over. Regions never actually FUNDED the account. I've made numerous calls and waited in the office an hour while banker typed. Nothing is in there yet. I can't withdraw the remaining {$40000.00} in my account as withdrawals are frozen. 
How did XXXX XXXX get my account number and then put another persons name on that account? I think someone at Regions is involved and nobody is talking ... They won't even tell me where the checks were cashed. They said " we don't know ''. I also wonder why I wasn't called when someone in a state I've never been in presents 2 large checks. I've been called for a {$200.00} check I've written to a yard service with XXXX sounding names ... but 2 checks for {$36000.00} doesn't set off a bell?? 

I'm getting nowhere from a totally unresponsive Regions. XXXX Police Dept was notified day one. Since checks were evidently cashed in Minnesota, they say it's their jurisdiction and not MPD. I've sent affidavit to XXXX. XXXX MN. Heard nothing yet. 

I need help. I'm fortunate enough to survive with a couple months of salary missing but I know most Americans aren't so lucky. They'd be looking at BK or ruined credit at best.

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 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
We had a forbearance period on our mortgage loan due to superstorm Sandy. Ditech has now sent us a letter of default due to us being in that program. 

Our account now shows {$32000.00} in arrears which is impossible. At {$1400.00} per month in interest the total if any would be {$17000.00}. But we are not supposed to be in arrears due to our participation in the Sandy forbearance program. 

During the 1 year period we payed our monthly escrows. Ditech is still stating that we are in arears with our mortgage and they haven't applied our mortgage payments correctly to our account. They have not been applying it to escrows and keep doing escrow advances to cover insurance, MI, and tax payments. I found out this was the reason that we received a notice of cancellation for our homeowners insurance. Ditech was waiting for a managers approval to pay the premium as there was not sufficient funds in our escrow account due to their ( lack of ) accounting. 

Ditech has just transfered the servicing to another lender efeective XX/XX/XXXX which will make this even harder to solve with a company that knows little of what we have went through for the past few months. 

Attached is : 1. A letter from Ditech from XX/XX/XXXX requesting us to sign a mortgage modification for a loan term of 40 years where our address and information was changed to XXXX XXXX XXXX in XXXX, MO. 
2. A letter from Ditech from XX/XX/XXXX addressed to XXXX XXXX XXXX in XXXX, MO when we requested a payment history and why payments were not being properly applied. 
3. A letter from Ditech from XX/XX/XXXX with terms of forbearance program. 
4. Cerificate of Eligibility from NJ Consumer Affairs for Sandy Impacted Forbearance. 
5. A letter dated XX/XX/XXXX we sent to ditech outlining our compaints. 
6. A certificate of occupancy for our home dated XX/XX/XXXX. 
7. A letter from Ditech from XX/XX/XXXX in response from our complaint to the NJDBOI. 
8. A letter from Ditech from XX/XX/XXXX with a notice of default and intent to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, My son applied for an auto loan and I was the co-applicant of that loan through XXXX XXXX XXXX XXXX XXXX. We applied for a pre-approval application online for an auto loan on Thursday, XX/XX/2019. We got pre-approved on Friday, XX/XX/2019. I provided my personal information to them which included my social security, pay stubs and my drivers license and my son provided his personal information to them. They called me today, XX/XX/2019 at XXXX XXXX   and told me that they have pulled my credit report and my date of birth does not match the date of birth that I have provided to them. They told me to provide them with a letter which will state that my date of birth has been corrected.

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 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Accounts XXXXXXXX and XXXXXXXX Military Affiliate Credit Cards. Credit limits for both cards {$27000.00} based on false consumer house hold income of {$150000.00}. USAA participate in consumer and bank fraud along with their business partner XXXX known as XXXX XXXX XXXX base in Nevada. XXXX is dishonest of raising capital for their clients through their business partner USAA and many other banks who participate in consumer and bank fraud such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX by filling out false information online consumer credit application and using false information and false Business Projected Income as Stated Income in the consumer house hold annual income to allow for the client to get a high credit limits for start ups. This is called fraud. It is not the consumer fault of deception by XXXX XXXX XXXX and the Banks. Business Projected Income is use for business credit and loans for business. Stated Income mainly a Stated Income Mortgage where you provide some documents such as bank statement. There are hardly any more banks accept Stated Income due to the market crash. Due to Dodd Frank Act lenders are required to ask for proof of Income to meet the reqiurments.. USAA is only for USAA members and Military and family members. The Military affiliate credit cards were never open to Non Members and Non Military at any giving time. Sending me phony XXXX tax forms and a {$10.00} dollar refund check with different account numbers. XXXX and USAA are still working together to commit consumer and bank fraud. USAA is destroying my credit due to their action of wrong doing. I had tried to communicate with USAA by emails. All USAA is reading my emails and not responding I am being ignored. USAA is not denying anything that I am accusing them of. I only communicate by email and not by phone. I GOT XXXX!! USAA needs to respond to my complaint online and not send me a letter with their response unless USAA got something to hide

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
i was contacted by a XXXX acquaintance. this debt collector found correspondence between him and i on XXXX and they called his personal phone number to ask for information about me. he contacted me with concern. when i called this number back i told them they could not call people i barely know through social media to contact me. i was yelled at, and told " you WILL listen to me '' which upset me so badly i screamed at the woman on the phone and hung up on her. it is one thing to call family members. but to call people who barely know me is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: NC

Complaint narrative:
I recently received a copy of my experian credit report where an account with credit first was reporting as 90 days late and an incorrect balance, I started a dispute on the account and experian notified me the dispute was complete a day later, I them viewed my credit file where experian now showed the account over 90 days late with a corrected lower balance ... this means experian didnt update the payment history as I should not be showing 90 days late for 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