vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 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: GA

Complaint narrative:
XX/XX/XXXX of this year, I temporarily ( from XX/XX/2019 until XX/XX/2019 ) lifted my credit freeze in preparation of securing a credit card with XXXX 's to purchase appliances for a home I have under construction. The XX/XX/XXXXdate was chosen so as to allow for consideration of other situations ( such as a Mortgage application ) that would be required in conjunction with the construction of my primary home. 

On XX/XX/XXXX, I secured the card and purchased my appliances. On XX/XX/XXXX of this year, I noticed a fraudulent charge on my credit card, which I began addressing with my the Bank. 

On XX/XX/XXXX, I became aware of the data breach of XXXX XXXX, a regular provider of health care services for myself. I immediately attempted to re-freeze my credit and was able to do so VERY easily with XXXX XXXX, but after several days, numerous attempts to either re-freeze my credit or to SPEAK to someone ( " I'm sorry we are having technical difficulties and unable to process your request, please call back later '' ) regarding the situation, all I have to show are a pile of online response requesting that I put my identity at even GREATER risk, by sending my social security number, a copy of my driver 's license, info regarding my date of birth, and a copy of a current utility bill by US mail to an XXXX, Texas address. In essence the perfect identity theft fabrication kit being sent by the LEAST secure method possible. 

As do ALL Americans, I want the ability to deny any and all credit bureaus, especially those that fail miserably in providing customer support, the ability to retain and profit from MY personal info. I also want them held COMPLETELY responsible for any and all data breaches of personal info. Finally, I want the corporate officers, who by virtue of stock transactions seek, to avoid harm or to EVEN profit some such misdeeds rewarded with stiff criminal penalties and significant fines. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX my bank account was hacked. The hacker wrote themselves and electronic check in the amount of {$3100.00}. 

As soon as I noticed I called my bank PNC, which then instructed me to file a dispute and sign an affidavit which was to be notarized by a branch representative. I did just that XX/XX/XXXX. 

On XX/XX/XXXX when I called the bank to check in on the dispute process, I was notified that the instruction given to me by previous bank reps was wrong and I needed to file another dispute ; which I did. 

Now, PNC is denying the claim and they told me that there is nothing that can be done. 

As a consumer I was robbed of my funds and the bank is failing to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I received an email on XX/XX/2019 from XXXX ( JPMorgan Chase Bank ) about changes to my Chase account, which included a forced arbitration clause and an exorbitant 15.99 % APR plus the Prime Rate = 21.49 % APR. In the section detailing out the requirements to reject this arbitration clause, the email, in part, states : " You must do so in writing by stating that you reject this agreement to arbitrate and include your name, account number, address and personal signature. Your notice must be mailed to us at XXXX. XXXX XXXX, XXXX, DE XXXX. Rejection notices sent to any other address, or sent by electronic mail or communicated orally, will not be accepted or effective. '' The requirements of JPMorgan Chase Bank to give notification of Arbitration Rejection places undue burden upon its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
During the month ofXX/XX/2019 through initial days ofXX/XX/2019, IC Systems Intl , Inc, has refuted disputes, I filed specifically with XXXX to request they ( IC Systems Intl , Inc ) produce any evidence supporting that their reporting to XXXX is valid. I did not retain XXXX XXXX XXXX, service ( s ) at any point. I am XXXX and receive XXXX. XXXX  has not resolved this issue. The only reason, I have not filed suit and a Motion to Compel, removal of this falsehood, is because, I am uncertain where to serve the reporting agency with a Duces Tecum subpoena included. 
Please interceded. I requested in XX/XX/2019, from IC Systems , Inc, any proof of a contract or service and type of service. The only repetitive statement, they have to substantiate this false alleged debt is that it matches my social security number. This disparity in reporting has had a substantial adverse effect on me psychologically, physically and financially. No legal basis exists for any contract in this case. I have not hired or requested any products from the agency IC Systems Intl , Inc, bought this issue from ( XXXX XXXX ). I am on public assistance and XXXX with very restricted financial services to challenge the falsehood this company asserts against me. 
Thank you for your, time, courtesies and efforts in advance.

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 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/2019 my checking and savings account at Boeing Employees Credit Union was almost completely cleaned out by someone who was able to easily gain access to my account, despite my best efforts to use a complex and unique password for online banking. Three outgoing transfers, via the XXXX instant transfer service, totaling {$970.00}, took place all within the same minute, according to notification emails I received. I had until this time never enrolled in the XXXX service. Immediately upon seeing these emails, I placed a call to BECU and was on hold for a short amount of time before a customer service representative was able to speak with me, confirming the successful login earlier by the criminal. It was apparent BECU had not flagged any of these actions as potentially fraudulent, and only after I called did they freeze my account. I was then placed on hold for an extended period for an unclear reason, so I could speak to a technical support representative. I had to repeat the same conversation with this rep, who told me they had frozen my account and an investigation would be started. Both representatives did not appear to take the situation very seriously, and I was not given any information regarding investigation for my own reference. This event is particularly disturbing, considering that I have contacted BECU numerous times in the past to complain about how weak their password reset system was, and their lack of a robust two factor authentication system. Currently their online banking system should ( and seldom does ) ask for a XXXX based token when logging in from a device their system deems new, but this is easily bypassed by answering some personal information questions. I have implored BECU to strengthen their online banking security, only to be brushed off. Their gross negligence exposes their members to unnecessary risk of fraudulent transactions, despite proactive members best efforts to use a strong, unique password.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05 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: NC

Complaint narrative:
Please reverse the late payments reported on the following accounts : DEPT OF ED/XXXX   {$1300.00} ; DEPT OF ED/XXXX {$2400.00} ; DEPT OF ED/XXXX {$1400.00} ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
it started XX/XX/2019 and they sent me a bill staying that i owe {$7500.00}. I sent multiple letters and called multiple times and they told me that they wont update my account due to me not giving my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have a 'Blue Sky ' credit card with American Express . On XXXX XX/XX/2019 I received a letter from American Express ( attached ) stating that they were reducing my credit limit on the account by 50 % to {$12000.00}. The grounds they gave for this decision in the letter was : 'There has been minimal activity on your account in the last twelve months. ' This statement is false, as examination of my account records over the past several years indicates.

I have had an account with American Express for several decades. Over the entire period I have always observed all rules and conditions related to the account. I have always paid my account balance in full each month. I have never chosen to use the account to run an ongoing credit balance, i.e. to borrow from them over time.

There is no valid justification for their taking this action against me. I have to conclude that they are intentionally discriminating against me for one of two reasons : ( 1 ) they recently tried to 'upsell ' me to accept a different card product from them, which I chose to decline ; or ( 2 ) over the past year, for the first time since I have had the account, I had to challenge charges on my account made by retailers. Each of the 3 challenges was for different, unrelated reasons. None was for larger than {$45.00}.

When I attempted to get American Express to right this error, they told me that in order even to begin a process to restore the prior credit limit, they would demand from me a large amount of additional information about my personal financial status. I consider that to be an unreasonable and inappropriate request, given my credit history with the account. For the record, I have never come close to spending up to the original credit limit. I object to their action because it is based on a false claim and because it is a hostile act against a long standing, reliable customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2019 Auto debt for my Citibank thank you card in the amount of XXXX $ was supposed to be debted out of my checking account. Instead close to {$4000.00} was debted out. Leading to a missed payments of my mortgage, daycare, and other utility bills. The company states that they will look into the situation and get back to me within 2-3 business days. By that time I will have racked up over {$300.00} in return charges.

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 2019-06-05 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:
Please reverse the late payments reported on the following accounts : DEPT OF ED/XXXX {$1300.00} ; DEPT OF ED/XXXX {$2400.00} ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$2800.00} ; XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XXXX {$120.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made my payment on time using the Bank of America phone pay system. 

I entered the correct bank information routing and account numbers. 

There was a problem with the account number when Bank of America presented the payment to my bank XXXX. There were to many zeros ( XXXX ) in the bank account number therefore payment was returned. 

I was never notified by either Bank of America ( credit card ) or XXXX ( payment bank ) Bank of America reported this payment 30 days late.

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 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Chapter XXXX Bankruptcy : Bankruptcy XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
A credit card company, take a payment XX/XX/2019, on my account ending in XXXX.and never sent a paid statement for that month and never up dated that account with the credit bureau 's when I called and ask why, the only information given was no we did not send and up date for may XX/XX/2019.this is  missing information that should be in my credit reports this is so wrong, for me to pay my account and get no credit for it.and no statement to show I paid, my bank is the only place that shows this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have had very good credit my entire life. I recently sold one of my houses and paid off a home equity loan that was attached to this house. Everything else stayed the same ; perfect payment history. My credit score dropped more than 100 points from a XXXX to a XXXX. I called Equifax to find out how I fix this and they told me there is nothing they can do, that I needed to hire a credit manager ( they probably own the credit managing company! ). They simply report what is reported to them. Paying off debt should not change my score that drastically. I will be applying for another mortgage for a rental property and my state uses credit scores to determine what you pay for insurance so this is going to cost me money. I need to get this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery Associates calls me every month or so asking if there is a XXXX XXXX ( This is not my name ) the latest number is from XXXX. The first time i received a call more than 6 years ago, the name happened to be my grandfathers. i told them this but it was clear very soon that because of the DOB and SSN it was not him OR ME. i go through this whole conversation every month with them. They tell me my name willl be taken off, then i get a call in a month or so!. i have called the number back the last few times and the same person picks up! VERY FRUSTRATING!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC
State: NV

Complaint narrative:
XXXX has sent me to collections for a debt I do not owe. I have spoken to XXXX 5 times in the last few months and GC Collections once, informing them this debt is not mine. I received no goods or services from the original creditor, XXXX. XXXX will not state why they are charging what they say I owe.in addition to this false claim, XXXX proceeded to send my account to GC Collections. Once again, XXXX won't tell me what I owe, nor did I receive anything from them- goods, services or otherwise! I will not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: TX

Complaint narrative:
I started a loan process with Royal United Mortgage LLC and did not move forward with them, because they were charging way too much for the rate. 3.75 % for a rate of 5.25 % fixed. 

Does Royal United Mortgage has to reimburse me for the appraisal fee? They charged me {$470.00}. I have attached the closing statement. I did not move forward. 

After discussing with the loan officer on several occasion, that I would not be moving forward with Royal United, I was harassed. She basically told me, that I would not get any better deals inquiring anywhere else and that no other company would do anything better than theirs. She also said my credit was so bad and if I went with another lender, it would make my credit worse. Which I found out was not a true statement. I felt like she was scaring me into not, seeing my options. 

She kept calling and emailing over and over again, to the point she contacted my job to get a hold of me. It was very stressful, it really put a lot of stress on this life decision I had to make. 

It was a horrible experience. I understand they did the appraisal, which I did not use. I would like to be reimbursed.

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 2019-06-05 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: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXXXXXX {$5100.00} ; XXXX XXXX XXXX  {$720.00} ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fidelity National Financial, Inc
State: AZ

Complaint narrative:
XXXX XXXX has been collecting payments since the origination of the note 2005 XXXX XXXX does not have signed account servicing agreement for them to service XXXX XXXX is owned by Fidelity Title Fidelity Title owns XXXX XXXX That creates a conflict of interest

Company response to consumer: Closed with explanation