vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My rewards Visa credit card from Wells Fargo was stolen or illegally used on XX/XX/XXXX. There was 13 transactions of a total of {$990.00} used. Unfortunately short after I reported, the bank declined the claim. I reopened the claim with a police report on 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 explanation
Consumer complaint received 2018-03-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter in the mail from Synchrony Bank stating that I tried to open a Syncb luxury account. I never inquired about their service. This bank is located in XXXX XXXX XXXX XXXX Florida.

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 2018-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX offers a .25 % interest rate reduction for auto payment. XXXX requires " additional identity verification '' before allowing users to sign up for automatic payments. Despite answering the online questions for identity verification I was told they are unable to verify my identity. Because of this I was requested to mail a copy of three of the following to XXXX : Driver 's License Social Security Card Passport Birth Certificate Prior Year 's XXXX All of these items contain highly sensitive that nobody with a sense of security would provide to anybody. This additional identity verification puts consumer 's privacy at risk and puts an unfair hurdle to receiving the .25 % interest rate reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my trucking business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - XXXX, Trans Union , & XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 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 explanation
Consumer complaint received 2018-03-06 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: TX

Complaint narrative:
I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my XXXX XXXX and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - XXXX, XXXX XXXX , & Equifax based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my XXXX  business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - Experian, XXXX XXXX , XXXX XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 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 explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: OH

Complaint narrative:
I had my Comerica debit card stolen and unauthorized transactions showed up on my account. I opened a dispute with Comerica. They provided provisional credit for {$3000.00}. Well, I received a letter from them today that my claim has been denied. Their reason? Because the Authentic Chip-Read Card and PIN were used in the transactions. No, kidding??? You mean the thief that stole my debit card also stole the chip inside the debit card? Wow! Now, I have no idea how they got my PIN number. My guess is that they saw me punch it in. Regardless of how they got it, they got it. I explained all of this when I opened the dispute claim and they were happy to investigate only to come back and deny the claim based on the exact same reasons I filed the claim in the first place. Their other reason for denying my claim is that there were no failed PIN attempts. Someone please explain to me what that has to do with anything! So their whole investigation concluded that my debit card was used so were just going to assume it was you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: TX

Complaint narrative:
I noticed updated on my credit report that a bogus collection account has been added to my file. The account is listed as XXXX XXXX XXXX XXXX and it is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company called portofolio recovery keeps calling my cell number with different numbers every day about 3 to 4 times a day I do not have A medical debt with them they keep asking for A XXXX XXXX XXXX and I have told them you got the wrong number and then they get rude with me and I end up hanging up I want it to stop please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: MO

Complaint narrative:
After pulling a copy of my credit report i notice that there were a few late payments being recorded on my credit report that is being recorded under my social security number and this credit bureau removed the lates after i send them a certified letter in the mail with the return receipt they removed the lates and has placed them back on my credit report without notifying me in writing of any changes back to my credit report which is clearly a violation of the FCRA. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureau is required to notify me of the reinsertion in writing within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I did not authorize anyone employed by XXXX XXXX to make any inquiry and view my credit report on the following dates XX/XX/XXXX and XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act section 1681 B ( C ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX. I've been out of the country since last year because I flew out where I had XXXX on my left back left back. In XXXX I was struck by an automobile while walking across the street. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

Before I left I had issues with my BOA account due to fraudulent activity. The particular account was one of the funding sources of my automatic payments with - Capitol One. 

I forgot to get the account switched so I called and got that changed in XXXX. I told the Capitol One Agent to change the old account and gave a reason. I also started to use my other funding source ( XXXX ) as the new funding source going forward and go ahead and charge my minimum on the phone with us today and also set up automatic billing. 

All was agreed upon. 

So I traveled to XXXX for XXXX then to XXXX where I did my rehab, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - Capital one has already charged of one of my accounts in : XX/XX/XXXX. 

I see whats going on and made a complaint to Capital One on ( XX/XX/XXXX ), in regards to the matter. I was advised that both accounts will be reviewed and not to make any payments to accounts are reviewed. 

Fast forward to today - XX/XX/XXXX - I called capital One in regards to an update from past convo on ( XX/XX/XXXX ) and instead was told not that my other account has been charged off. 

Are you serious? You said I shouldn't do anything and wait for a call ... .. 


I have never had an issue with Capital One until last year when I left all the way up to now. Prior I had no issues with them and my accounts were current and paid. 

Capital One made a mistake and has made me the consumer pay dearly. They have charged off both my accounts, falsely - when the fault was their agenda not mine. 

They have cost me almost XXXX points off my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE. 

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by Capital One and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life. 

Please help me get all those false missed payments and charged off the account of my credit. 

Already beginning to consult lawyers about possible legal action against Capital One in regards to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX ( NMLS # XXXX, State License # XXXX ) of Caliber Home Loans of XXXX Georgia to inquire about loan products offered by his company. On XX/XX/XXXX, after gathering all necessary information, I was prequalified for a loan to buy a home ( however I did not receive my prequalification letter until XX/XX/XXXX ). Between XX/XX/XXXX through the end of XX/XX/XXXX, XXXX XXXX and I remained in contact as I inquired about and was updated on the status of my loan application. On many occasions I was assured by XXXX XXXX that the progression of my application was positive. Relying upon this information I retained a realtor and began the process of looking for a home. On XX/XX/XXXX XXXX XXXX emailed me to inquire about my search for a home and to get my realtors information. By mid XXXX I had found a home I desired to put an offer on. I ( through my realtor ) reached out to XXXX XXXX to inform him and to inquire about the status of my loan. I was assured that with his " decades '' of experience my loan would close quickly. At no time prior to or during this process was I informed or advised of any adverse issues related to my loan. On XX/XX/XXXX my realtor emailed XXXX XXXX to inform him of our intent to enter into contract on a desired property. Still, there was no word from XXXX XXXX on any pending or potential adverse action related to my loan. On XX/XX/XXXX I entered into contract to buy a property. On XX/XX/XXXX, a copy of the executed contract was emailed to XXXX XXXX by my realtor. On XX/XX/XXXX XXXX XXXX emailed me of possible loan structuring options available to me. On XX/XX/XXXX during a phone conversation I requested the boiler plate terms and conditions for loan products offered by XXXX XXXX 's company, along with the terms of my specific loan, in writing. At that point XXXX XXXX became aggressive and combative on the phone, but assured me he would have the information I requested emailed to me the following day. On XX/XX/XXXX XXXX XXXX called to inform me my loan had been denied. When I inquired as to why, he stated reasons that could have been ascertained during our initial conversations in XXXX, XXXX. He then failed to provide me with an adverse action letter, only doing so after I threatened to file a claim with this bureau and the XXXX. XXXX XXXX 's gross negligence caused me the loss of my earnest money in particular, and my faith in the lending industry in general.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I contacted Citibank in regards to my credit card account ending in XXXX. My account has been closed as of XX/XX/XXXX and I was enrolled into Debt Management Program to pay my outstanding balance. I have been experiencing extremely difficult time to communicate with the above creditor to resolve the issue with interest charges on my account. Since XX/XX/XXXX, I had one cash advance transaction in the amount of {$54.00}. Since that I have been trying to pay my outstanding balance every month as much as I can. 
As of today Citibank continues to charge interest for cash advances and my balance for original transaction was increased from {$54.00} to {$68.00} approximately. Every month Citibank charges me extra interest on cash advance transaction that I made in XX/XX/XXXX. After careful review of my billing statements from XX/XX/XXXX until XX/XX/XXXX, I noticed that creditor charged me extra {$15.00} interest for the cash advanced transaction. No additional transaction for cash advances I did not make. When I contacted Citibank Customer Service department on XX/XX/XXXX, representative advised me that he is unable to resolve the issue since my account was closed, and transferred my call to Forbearance department for assistance, 2nd representative whom I spoke to, named XXXX, was not able to assist me with my issue nighters, and advised me to contact Credit Counseling department for assistance. 
On XX/XX/XXXX, I contacted Credit Counseling department to assist me with my account and spoke with 2 additional representatives to resolve my issue. The last representative advised me to contact Customer Service department for assistance and I informed him that I have already contacted them. Finally, he decided to transfer my call to Customer Service department for assistance. I spent over 1 hour on the phone with Citibank and was I advised by the last representative that interest was charged in error. He placed my call on hold for additional 5 minutes and afterwards informed that interest charged to my account is correct since I was paying only minimum payment on my account. I requested to speak to supervisor and I was put on hold again. I was not able to resolve issue with the above creditor and looking for further assistance.

My cash advanced transaction was paid off since my account was closed and it should be no additional interest accrued.

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 2018-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX on XXXX my vehicle was repossessed. In XXXX of this year ( XXXX ) i began receiving parking tickets in my name for the vehicle I have not had. I transferred liability with the California DMV last year however capital one still has my information for the vehicle. I contacted capital one in XXXX of XXXX to inform them of the situation. A representative told me they will request some sort of documentation indicating I have not been in possession of the vehicle since XX/XX/XXXX. As of yet I have to receive anything. I try to contact them however Ive been given a run around between capital one and their servicing company. Im now receiving parking tickets that the new owner is getting in my name and the city of XXXX in California is charging me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Advanced Resolution Services Inc.
State: WA

Complaint narrative:
Sent ARS ( advanced resolution services ) a request for a security freeze and a consumer credit report, i sent it a letter via certified mail usps # XXXX nearly a month after my request they have yet to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX says I am Dead. I call and wait on the phone for one hour and then XXXX hangs up on me.. I have tried repeatedly to get this fixed. The first person I talk to can tell my file is jacked up. They forward me to a case manager and the case managers do not fix the problem and hang up. XXXX was the last person I talked to and after a 20 minute hold he talked to me for 2 minutes and hung up the phone.

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 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint is against Experian for reporting an inaccurate address and inaccurate Spouse on my credit file. Experian refuses to correct this inaccurate information even after I provided them proof. 

Experian is reporting and address of XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX. This address is not mine! 
I have complained to Experian both over the phone and via letter but Experian states that they will not remove the address because there might be a possibility that another account would attach to this address. What is that? It doesn't make sense. I have included in this complaint a copy of my notarized admission of my current address. Experian also has the name XXXX as my spouse. This is totally incorrect! This person named XXXX is not my spouse! This is inaccurate and also is included in my notarized letter.

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 2018-03-06 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:
There is a fraudulent account in collections being reported with XXXX XXXX XXXX. I've attempted to dispute this numerous times with the 3 credit reporting bureaus and have had no luck getting the information updated or removed.

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 2018-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
The mortgage company ( Round point ) failed to set up payment of my homeowner 's insurance through my escrow account, but still charged me monthly for the escrow payment. 

When it came time to renew my policy the money was automatically withdrawn from my personal checking account. The insurance company has sent numerous invoices to roundpoint at theirs, mine, and the insurance companies request so it can be paid through escrow and my personal account refunded, but after many weeks round point has failed to do so. 

They have requested the information and my account notes show the insurance company has contacted them about this many times.

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