vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I disputed a fraudulent charge on my account in the amount {$2200.00} I am a victim of identity theft and I did not make or authorized this charges I have 7 years freeze on my credit report since XX/XX/2016 but still XXXX  XXXX   XXXX XXXX XXXX Account XXXX still send me a letter for collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 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: IL

Complaint narrative:
I, as well as my neighbors, have had multiple credit cards stolen from the mail. 

Most credit card companies, upon being notified, have immediately canceled the card and refunded the fraudulent charges. 

Bank of America, on the other hand, has refused to cancel the charges, claiming since the card was physically present, I am responsible. 

My Bank of America credit card had never been used in the previous 5 years, and yet, upon being used for a number of charges, no fraud alert or notification was sent to me. I personally noticed the charges when I was billed, and immediately notified Bank of America. 

During Bank of America 's investigation they noticed there was another phone number on my account, but they could not identify where that phone number came from. Was it used to activate the stolen card, or did someone else have access to my account? The only thing they claimed was since the card was physically present ( obviously, since it was stolen ), I was liable for those charges, which was a total of {$53.00}. 

As far as I can tell, Bank of America is unable to adequately protect its clients accounts and also unable to adequately investigate fraudulent charges. I have since closed my account, but am looking to get those fraudulent charges dismissed. 

My credit report shows that I normally have thousands of dollars of revolving debt every month, all of which is paid on time. However, I refuse to pay even {$50.00} for charges I did not make.

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 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my second complaint with this company and me not being able to access my credit report with Equifax, Every time i get on site and submit my information it states its can not be found I have to attempt at least ten or more times keying same information before i could possibly get in. This is a headache because everytime i call i provide same information im keying over the web and they say they dont know whats the problem. This is too time consuming and is not fair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On my statement from Synchrony, they only list a seven year payoff amount at minimum payments. They do not reflect a payment for three year payoff, as required by the credit act report. When I called, they did not have an answer to my inquiry. I would like to know what my payments would be for a three year payoff so I can budget accordingly.

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 2019-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a denied letter from Bank of America Home Loans stating they my gross income was less then what I gave them as proof of gross income. I sent a letter requesting a re-evaluation and my bank manager tells me I have to submit a who new request due to change in circumstances when I already submitted the proof of income increase while they were in the collection of documents stage to verify income. I was requested to send in bank statements, letters and other documents to prove income but never told I had to submit a new RMA for the increased income. Now after the denial, the bank is stating it's my fault for not putting the increased income but the bank never processed the request sent in XXXX and the increasing income was approved in XXXX to begin in 2019. All of this paperwork was submitted to the bank before it went to underwriter and I had filed several other complaints stating they keep requesting documents from me that have been submitted and now they are saying they never had this information and I need to submit a new form and they will not re-evaluate my loan modification request because it's not a bank error when it is. My bank case manager for my loan never asked me to fill out a new RMA form for the increased income but asked for proof of the increased income so why would I not think they would be using it in the evaluation? The bank doesn't deal fairly with people when requesting information and how they process the information sent to them.

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 2019-02-04 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: FL

Complaint narrative:
I have some many inquires on my report that I did not Authorize.

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 2019-02-04 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: MD

Complaint narrative:
Under Maryland state laws statute of limitations, as well as numerous disputes with each credit bureau ( XXXX, XXXX, and ESPECIALLY Equifax ), each bureau was notified of my being in the security breach in which is involved in a class action law suit. There are NUMEROUS accounts in collections that are not mine. There are also NUMEROUS accounts in which I am an authorized user, wherefore requested by each credit issuer and notification to the bureaus to be removed from these accounts - specifically but not limited to XXXX, XXXX XXXX, and XXXX. XXXX, in particular, after sending a dispute would almost immediately update to dispute completed, thus, clearly ignoring my dispute without investigation. Equifax hasnt failed to investigate any and all disputes due to the breach and thus, leaving open accounts and collections that are not mine. I have provided documentation on numerous occasions to all bureaus. XXXX has fixed and resolved a few - but not all. All three bureaus have also left accounts from over 7 years ago on my credit report after asking them, per my rights by FCRA. Furthermore, there are accounts from XXXX, wherefore, XXXX has put in writing to remove all and every late on two different lease accounts in which no bureau has done so, even after supplying the notice in writing due to errors, again violating my rights. Since the breach, I have come across numerous accounts that are not mine. I have had to pay for and try to rectify these accounts and after months of doing this, the bureaus are refusing to acknowledge my proof. I have received NO notices of completion in writing, aside from an update via email from XXXX  - which they sent within 24-hours, clearly not investigating my accounts in sufficient time. Therefore, I am requesting that because of this formal complaint and a clear violation of the FCRA laws. 

In addition, there are two child support collections on my report, wherefore, a court magistrates order was to delete the accounts from my report, which was provided to each bureau. One bureau did, in fact, rectify this by updating the account to fully paid ; however, they did not follow a court order which clearly states to have both account removed from any and all credit reports due to the fact that we were in litigation for child custody when this went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
XX/XX/2019. lakeview cashed a XXXX payment but took out XXXX. now checks are bouncing and more checks are due.

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 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have been receiving numerous repeated automated phone calls in an attempt to collect payment. It is an automated call and it gives the option to speak with a rep but when I select that prompt it disconnects. I was going to inform them that I will pay as soon as I can and that harassing me will not create an income for me to pay them with. The latest calls are from XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX, XX/XX/XXXX ( today ) @ XXXX so far and I'm sure more will come.

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 2019-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a checking and savings account through Citibank on XX/XX/2018. There was a promotion for {$400.00} after {$15000.00} is deposited. I completed the deposits but never received the opening bonus. I contacted Citibank on 3 separate occasions to have this resolved. I received a message stating that because I had previously opened an account I was not eligible for this bonus. This is incorrect. I have a letter from Citibank regarding the account they claimed was opened never got past the application process because they didn't receive the " required documents ''.

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 2019-02-04 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your bank of an application submitted to TD Bank XX/XX/2019 using his information without his consent. An inquiry was made into his XXXX  credit report based on that application. An account was established based on that application. TD Bank was first notified of this fraudulent account XX/XX/2019 via a phone call and my client was told not to worry that TD bank was going to address this issue as fraudulent. An official dispute of this account was provided to TD bank XX/XX/2019 however my client received a bill from TD Bank concerning payment for this fraudulent account. This is a known fraud issue and by law, FDCPA, TD Bank CAN NOT attempt collection effort of communication with the client until an investigation has been conducted. 
Currently TD bank is in violation of the FDCPA and the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 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: MD

Complaint narrative:
Under Maryland state laws statute of limitations, as well as numerous disputes with each credit bureau ( Transunion, XXXX, and ESPECIALLY XXXX  ), each bureau was notified of my being in the security breach in which is involved in a class action law suit. There are NUMEROUS accounts in collections that are not mine. There are also NUMEROUS accounts in which I am an authorized user, wherefore requested by each credit issuer and notification to the bureaus to be removed from these accounts - specifically but not limited to XXXX, XXXX XXXX, and XXXX. XXXX, in particular, after sending a dispute would almost immediately update to dispute completed, thus, clearly ignoring my dispute without investigation. XXXX  hasnt failed to investigate any and all disputes due to the breach and thus, leaving open accounts and collections that are not mine. I have provided documentation on numerous occasions to all bureaus. Transunion has fixed and resolved a few - but not all. All three bureaus have also left accounts from over 7 years ago on my credit report after asking them, per my rights by FCRA. Furthermore, there are accounts from XXXX, wherefore, XXXX  has put in writing to remove all and every late on two different lease accounts in which no bureau has done so, even after supplying the notice in writing due to errors, again violating my rights. Since the breach, I have come across numerous accounts that are not mine. I have had to pay for and try to rectify these accounts and after months of doing this, the bureaus are refusing to acknowledge my proof. I have received NO notices of completion in writing, aside from an update via email from XXXX - which they sent within 24-hours, clearly not investigating my accounts in sufficient time. Therefore, I am requesting that because of this formal complaint and a clear violation of the FCRA laws.

In addition, there are two child support collections on my report, wherefore, a court magistrates order was to delete the accounts from my report, which was provided to each bureau. One bureau did, in fact, rectify this by updating the account to fully paid ; however, they did not follow a court order which clearly states to have both account removed from any and all credit reports due to the fact that we were in litigation for child custody when this went down.

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 2019-02-04 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: MD

Complaint narrative:
Under Maryland state laws statute of limitations, as well as numerous disputes with each credit bureau ( XXXX, Experian, and ESPECIALLY XXXX ), each bureau was notified of my being in the security breach in which is involved in a class action law suit. There are NUMEROUS accounts in collections that are not mine. There are also NUMEROUS accounts in which I am an authorized  user, wherefore requested by each credit issuer and notification to the bureaus to be removed from these accounts - specifically but not limited to XXXX, XXXX XXXX, and XXXX. Experian, in particular, after sending a dispute would almost immediately update to dispute completed, thus, clearly ignoring my dispute without investigation. XXXX  hasnt failed to investigate any and all disputes due to the breach and thus, leaving open accounts and collections that are not mine. I have provided documentation on numerous occasions to all bureaus. XXXX has fixed and resolved a few - but not all. All three bureaus have also left accounts from over 7 years ago on my credit report after asking them, per my rights by FCRA. Furthermore, there are accounts from XXXX, wherefore, XXXX has put in writing to remove all and every late on two different lease accounts in which no bureau has done so, even after supplying the notice in writing due to errors, again violating my rights. Since the breach, I have come across numerous accounts that are not mine. I have had to pay for and try to rectify these accounts and after months of doing this, the bureaus are refusing to acknowledge my proof. I have received NO notices of completion in writing, aside from an update via email from Experian - which they sent within 24-hours, clearly not investigating my accounts in sufficient time. Therefore, I am requesting that because of this formal complaint and a clear violation of the FCRA laws.

In addition, there are two child support collections on my report, wherefore, a court magistrates order was to delete the accounts from my report, which was provided to each bureau. One bureau did, in fact, rectify this by updating the account to fully paid ; however, they did not follow a court order which clearly states to have both account removed from any and all credit reports due to the fact that we were in litigation for child custody when this went down.

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 2019-02-04 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: Kriya Capital, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX at XXXX, I spoke with a rep by the name of XXXX ( Emp ID : XXXX ) about the termination of my XXXX services due to a violent change in my relationship status. I was told that all early cancellation fees and service charges would be waived as a courtesy and was given a cancellation number of XXXX. This was okayed by a supervisor after being on the phone with the " Loyalty Department '' for over an hour. Today, I was contacted by Credence Resource Management by an irate " manager '' by the name of XXXX XXXX demanding payment on the aforementioned XXXX account for {$510.00}. I informed him that I was told by XXXX that no payment would be due on the account due to my extenuating circumstances. I was also contacted cy Credence on XX/XX/XXXX about the same issue and informed them of the same. This company has refused to supply me with proof that this is even a valid debt, which it IS NOT, and are telling me my current address is one where I lived at 6 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: FL

Complaint narrative:
I have a current complaint against 'ideal collections ' ( case ; XXXX ). This new complaint is about Equifax. XXXX has already recognized the fraud from ideal collections and has removed it from my credit report for life. Several other credit agencies have looked into their fraud as well ( XXXX  and XXXX have been very helpful ). I've disputed this situation with Equifax many times. I'm on the phone with them constantly. Today, an Equifax representative admitted that they did not have any documentation proving this to be a legit debt. Since XX/XX/2018, I have still not received anything in writing providing any info ; what the debt is for, why it's owed, etc. I have been blocked by XXXX XXXX and XXXX XXXX. They claim that I owe them a debt, but have blocked me from calling them. I've attempted numerous times to work with Equifax. The outcome is always the same ; unlike all of the other credit agencies, they claim it to be a legit debt based on nothing. No info, no paperwork, no signatures, no explanation as to what it's even for, etc. My family has been contacted all over the United States by these scam artists. I'm to the point of looking into taking legal action against Equifax for allowing the harassment and fraud to continue. I have recently missed several financial opportunities due to this fraud that Equifax refuses to recognize. For the record, my score with XXXX is in the high 700 's. Equifax ; XXXX. This is getting out of hand. I find it to be very unprofessional and unethical on the part of Equifax. I have asked Equifax, XXXX XXXX, and XXXX XXXX for any type of documention. Again, no response. Please help me to have this removed from my ( for the last several decades ) excellent credit history. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: DE

Complaint narrative:
I request a credit limit adjustment to XXXX XXXX dollars to match most of my other credit card accounts from the other banks. My current credit score is XXXX & have been XXXX XXXX for over thirty years now.

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