vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Fraud alert removal

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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a XXXX  XXXX XXXX  credit card. Made a payment in XX/XX/XXXX for XXXX. They never showed this on my report. Filed a dispute with equifax. Never resolved. Paid account in full on XX/XX/2020. Never showed on report. Filed another dispute. Still reporting I am behind on my payments and have not made payments. Just checked on today XX/XX/2020. What can I do to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-17 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2020, credit cards and one debit card were stolen from my wallet at XXXX XXXX XXXX in XXXX, VA XXXX between XXXX and XXXX. One of the cards included - Citibank Double Cash card XXXX XXXX XXXX XXXX. There were 2 charges that were charged on my credit card 1. XXXX XXXX # XXXX for {$2000.00} 2. XXXX XXXX  # XXXX for XXXX I called in and reported the card stolen around XXXX on the same day. I was told that an investigator will call up to get further details. 

A case was filed with XXXX County Police Department ( Case # XXXX  XXXX XXXX ) on the same day ( XX/XX/2020 ). 

After a week of charges showing up and No call from an investigator, I called up on Sunday ( XX/XX/XXXX ). I was told that investigator will call me up on Monday ( XX/XX/XXXX ). I called them up again on XX/XX/XXXX that I did not receive a call and what was going on. 

Most credit cards issue immediate credit. I was told by XXXX the representative that no one is even working on my case. It is in a line and it will be worked after all cases received before me are worked on. I gave her the police case number and additional details. I was told it will take 1-2 billing cycle to resolve the case. When asked for credit so i dont have to pay late charges or interest, i was told it is not the policy to do that and citibank does not issue credits anymore because people are reporting false frauds. Also, I do not have to pay the charges that are disputed. I asked for any document that says I have disputed the charges for my records. She said they do not do that. Their legal department has not issued a template for that. So what is my record - I have none except for my voice conversations. When I said what if interest is charged on the unpaid amount - the answer was it will be adjusted later. When i asked for a supervisor, i was told the line is closed and they will call me within 24-48 hours

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 2020-03-17 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: UT

Complaint narrative:
I was part of the group effected by the XXXX  breech. Because of this, I keep a close eye on my credit reports. Recently an AKA has shown up on my credit report for someone named XXXX XXXX XXXX and XXXX XXXX. The only negative issue on my credit report at this time is number of inquires for new credit. What kind of information did this person need to be put 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 non-monetary relief
Consumer complaint received 2020-03-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Fraud alert removal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: NY

Complaint narrative:
Fraud alert removal

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 2020-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I canceled my auto insurance with XXXX  dice their rates were getting so high, well before it was due to renew on XX/XX/2016. However, I had to pay a {$50.00} fee for cancellation of my insurance which I dont know is legal or not. But, I received a bill for {$330.00} from XXXX, long after I had gotten insurance with someone else ; this amount was the renewal fee if I had renewed with XXXX, but I did not. The {$330.00} is the exact amount for renewal in on XX/XX/2016, if I had chosen to renew. XXXX is putting this bill on my credit report, and I do not owe it as I told them I was not renewing and had to pay {$50.00} for canceling the insurance I had ; in fact, I canceled earlier than my previous insurance went out and they got to keep the remainder, but refuse to remove this bill that I do not owe from my credit report. And, each months bill was auto-debited from my account, so XXXX would have taken any amount I owed out if I really owed anything. I feel, the company is just aggravated that we did not renew with them with this high renewal monthly premium, and they are trying to hurt and are hurting my credit with a false bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: WA

Complaint narrative:
It is with the Capital One Credit Card company. One Vendor has  made an unauthorized duplicate charge on my card and Capital One has failed to properly investigate the charges. Most of the details are given in the documents uploaded in Step 3.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18 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: AR

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MO

Complaint narrative:
I have a mortgage with Round Point Mortgage. I have had this loan since XXXX XXXX. 

I am paid semi-monthly and send 1/2 a payment on the XXXX and the XXXX of every month. I am 1/2 payment ahead so that the half received on the XXXX is my total mortgage due. 

Round Point does not offer a semi-monthly payment option. They only offer a bi-weekly auto payment for a fee. My payment comes in as " Do not apply to Principal '' however, they keep applying one of my payments to the principal and then marking me " late '' to charge a {$57.00} late fee. 

I have to call every month to have this fixed. This time, they stated they couldn't remove the late fee because they had done that many times previously. I reminded them that THEY misapplied my payment and I was not late. First half received XX/XX/XXXX and 2nd half received XXXX. Therefore, they MUST remove the late fee. 

They processed my payments perfectly for the first 4 1/5 years, but in the last 18 months, this happens every month. 

I feel this is fraudulent and may be " on purpose '' so they can charge late fees. My payment is marked appropriately and on time. If their system " can't handle '' receipt of my payments, that should not impact me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items form my credit report. 

XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$210.00} XXXX  XXXX  XXXX {$12000.00} XXXX XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$690.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items form my credit report. 

XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$210.00} XXXX XXXX  XXXX {$12000.00} XXXX XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$690.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$510.00} XXXX  XXXX   {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: AL

Complaint narrative:
XXXX XXXX account number XXXX. The type of account reporting is incorrect. An account can only be charged off once not every month. How can a closed account keep reporting late payments? This is inaccurate. The FCRA says, 100 % accuracy. 

XXXX XXXX/XXXX  XXXX. The type of account reporting is incorrect. An account can only be charged off once not every month. How can a closed account keep reporting late payments? This is inaccurate. The FCRA says, 100 % accuracy. 

XXXX XXXX XXXX The type of account reporting is incorrect. An account can only be charged off once not every month. How can a closed account keep reporting late payments? This is inaccurate. The FCRA says, 100 % accuracy. 

XXXX XXXX XXXX XXXX XX/XX/2017the account was 60 days past due then XX/XX/2017 the account was 30 days past due. How is this so? This is incorrect reporting. 

A charge off account should have a XXXX  balance and written off. It's a violation to have a past due on a charge off 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 explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please CFPB forward the following documents to Citi Bank. Thank you! Please Citi Bank, make a real investigation, and help me fix this issue as soon as possible, soI can buy my house. Thank you!

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 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America despite my repeated written and oral requests failed to supply me with a statement of my card ending in XXXX. Mr. XXXX and Ms. XXXX  XXXX of the XXXX, New Jersey branch repeatedly promised that I would not be charged a late fee. But today the Bank of America informed me that it was charging me {$27.00}! This is patently unfair and illegal! And such bad business practice!

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 2020-03-17 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: PA

Complaint narrative:
Last year i received several notifications that my information was exposed in several mass data breaches such as the equifax date breach and the XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, i disputed the accounts via certified mail and have not received a response from anyone. I have been neagtively impacted by this identity theft and request that these fraudulent accounts be blocked and removed from my credit reoport immediately which is in compliance to the FCRA section 605-B.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
I have notice that the account # XXXX in the amount of {$50.00} keep showing up as a collection account on my credit reports. I have been disputing this account as well as others I have paid in full. The others are not showing on my credit reports, but this remain on it. I have got tired well it just {$50.00} I will pay it again to get it removed immediately from my credit reports. When it get in touch with Receivable Recovery she tells me I have several accounts. I explain to her those account have been paid in full. That I am willing to repay the {$50.00} not the other accounts. She seem she didn't want to here that. So I need help to get account # XXXX paid and deleted from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX the XXXX, 2020, I used the Bank of America mobile app to transfer {$600.00} to my father. I transferred the money through the XXXX portal in the app. To identify the recipient, I entered my father 's phone number, which he has owned for over two years. When my father didn't receive the money, I called Bank of America 's customer service to inquire about the missing money from my account. They informed me that they had transferred the money to a previous owner of that cell phone number. The only option they offered as a solution was to file a complaint to ask the money recipient to voluntarily return the money. In their estimated range of 30 to 45 business days it would take to reach out, they never contacted me with a response. I called their customer service again for an update and they informed me that they had not been able to reach out to the money recipient, and that my only available option was to take legal action against the money recipient.

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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: IN

Complaint narrative:
After receiving no response to our letters disputing charges to our account stemming from a fraudulent charge, we filed a complaint with CFPB. 
As a result of this complaint we received the attached letter dated XX/XX/XXXX from Elan Financial Services stating that : 1. They were removing the late fees and charges that they had added to our credit card account as a result of a fraudulent charge.

2. They were restoring our credit limit. 3. Acknowledged that our account had a zero balance. 4
. They had reported to the consumer reporting agencies XX/XX/XXXX that no payments were made past due. 

I checked my credit score at this time and found that it had greatly increased. I checked it again recently and found that my score had dropped dramatically. 

After searching my credit report I found that Elan Financial Services had falsely reported our account for having 2 late payments. ( One for XX/XX/XXXX and the other XX/XX/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 non-monetary relief
Consumer complaint received 2020-03-17 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: PA

Complaint narrative:
False information was placed on the credit file regarding a collection agency that goes by the name of XXXX XXXX XXXX. The information was false and removed. TRANSUNION sent verification of removal marked XX/XX/2020. 

Now TRANSUNION is showing the same item with a different partial account number with XXXX XXXX XXXX is back on the credit file as of XX/XX/2020. 
This is clear and willful intent to damage the consumer. How is the same item and same amount showing on the credit file as of XX/XX/2020 and being reported again on XX/XX/2020 just by changing a partial account number? 

These dates are clearly not adding up and show clear deception by only changing a partial account number. TRANSUNION sent nothing to me stating this false account was being added back on ; especially, added back on with another made-up partial account number. XXXX XXXX XXXX also needs to be investigated.

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 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland sent threatening letters to me regarding taking me to court and called multiple times a day repeatedly I had to block their numbers I asked for all proof required by the FDCPA they failed to supply that information and continue to call me from multiple numbers.

Company response to consumer: Closed with explanation