vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 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:
I requested a Block due to ID Theft to TransUnion and was denied with no reason provided. Below are the attempts to have this resolved. 

XX/XX/19 Fraud Alert Added to my TransUnion Account File # XXXX XX/XX/19 Credit Freeze Added XX/XX/19 Mailed FTC ID Theft Report # XXXX, copy of DL, police report XXXX disputing fraudulent activity on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, address of XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and all 58 inquiries listed on my credit report. I also included a statement from XXXX XXXX the account is closed with {$0.00} balance, letter from XXXX XXXX dated XX/XX/19 stating there are no late payments. 
XX/XX/19 I did not receive a response from my request and was instructed by the FTC to send a Block request for the ID theft so I mailed them this letter, FTC Report, copy of DL, copy of TU credit report showing fraudulent activity and a copy of FCRA 605B. 
XX/XX/19 I received a letter from TransUnion file # XXXX stating they have declined my ID Theft block request but failed to provide the specific reason. 
XX/XX/19 I called XXXX-XXXX-XXXX XXXX XXXX CST and spoke to the fraud department representatives regarding this XX/XX/19 letter file # XXXX. I spoke with XXXX, XXXX - stated the letter was sent in error and to wait for the dispute to complete by XX/XX/19. I explained TU had 4 days to block the fraudulent accounts which he denied, asked for manager, transferred to XXXX who stated the fraud block did not meet their internal criteria for fraud and refused to disclose what this was, asked for manager. Trans to XXXX a manager that also refused to provide this criteria or any information to get this blocked. I asked for a manager he refused and stated there was no one above him but gave me the corp office # XXXX-XXXX-XXXX which is a vm for the executive resolution team. I left a detailed message on XX/XX/19 XXXX XXXX CST.

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 2019-05-02 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I got a XXXX XXXX for XXXX service at XXXX XXXX In XXXX FL. The credit was fro {$9000.00} for XXXX services of {$4000.00}. At the time of receiving the credit for 24 months 0 % interest, nobody explained to me that after 24 months ( XX/XX/XXXX ) I was going to be charge interest for the entire treatment amount of {$4000.00}, regardless of any remaining valance. I was under the impression that the {$660.00} payment I had left, was the only think I was suppose to pay this month. I was shocked today when I log into my account to make a payment and noticed that i was charged {$1100.00} interest. 
I called Comenity Capital Bank to get an explanation and advise about the paperwork I have from XXXX XXXX, which does't mention anything about paying high interest after 24 months, but they said they sent notification on the bottom of my statement that I never saw until today because i signed up for paperless and the only emails I've received from Comenity Capital Bank were about payments reminder. 

please let me know how you can assist me with this issue! 

thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02 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: IN

Complaint narrative:
Around XX/XX/XXXX I opened a dispute with all three credit reporting agencies : XXXX, XXXX and Experian about the creditor XXXX and the inaccurate information being reported about me as a consumer. XXXX  was the only bureau to respond around or on XX/XX/XXXX to remove all false and inaccurate accounts with XXXX from my reported files. XXXX was also successful in deleting some of the accounts with XXXX, however one remains and I would like this account removed immediately. It is important to me that what is reported is reflected accurately across the files of each of these bureaus. I have since sent in all the required information to address this last account with XXXX and they continue to fail to remove this account. I have also sent in the required documentation to Experian but all my letters go ignored. I wish for these last two bureaus to take accountability for their error. XXXX has removed the accounts so it is only natural XXXX and Experian remove all the accounts with the creditor XXXX and XXXX XXXX as well.

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 2019-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On Wed XX/XX/1920, XXXX XXXX initiated a payment from his XXXX XXXX   to XXXX XXXX XXXX Chase Checking Account via XXXX. The transaction was an on-line transaction ( not mobile ). The account number for the Chase Account was missing ONE DIGIT. As soon as we realized the problem, we called XXXX and were informed ( twice ) to NOT worry, the transaction would fall to a bad account and never complete. After a few days without getting the $ back, we contacted Chase Bank and realized the bad account number that was entered on-line was actually a valid personal checking account number. 

At first Chase offered to assist us but then called informing us that there was absolutely nothing they could do. Chase would not re-route or transfer the money to the original or correct account! Chase would not reach out to the account holder in any way. They did call the bank branch in Michigan, but the branch would also NOT agree to contact the inaccurate account holder. Chase claims they were bound by privacy policy and could not let the account holder know the money was incorrectly deposited into their account. Can you imagine if Chase had made this mistake into your account!?!? 

There was no name validation or any other validation of any kind. 

We also contacted XXXX BXXXXnk multiple times. XXXX XXXX  would not even try to assist us like Chase did. 

XXXX and Chase Bank BOTH offered a manager to call us back but neither one ever followed up with the promised phone call!!!! 

Chase Bank Bad Account ( missing the '1 ' ) AN XXXX RN  XXXX Chase Bank Good Account AN XXXX RN XXXX XXXX  AN XXXX RN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I need to File a complaint on Midland credit Management You are in Violation of the FDCPA I SENT IN CERTIFIED MAIL RECEIPT TO YOUR PLACE OF BUSINESS TO THE ADDRESS ON YOUR LETTER HEAD ASKING FOR DEBT VALIDATION ON XX/XX/2019 THE LETTER KEPT FLOATING AROUND IN THE POSTAL SYSTEMS i NOTICED SOMETHING WAS RIGHT SO I ASKED TO POSTAL SERVICES TO INVESTIGATE THIS MATTER AS TO  WHY THE LETTER WAS GOING TO YOUR PLACE OF BUSINESS JUST FOUND OUT TODAY YOU HAVE A FORWARDING ADDRESS YOU REALLY SHOULD UPDATE YOUR NEW ADDRESS AS TO MANY PEOPLE TRYING TO CONTACT YOUR OFFICE THIS IS A MAJOR VIOLATION TRACKING # XXXX XXXX XXXX XXXX XXXX TRACK IT YOURSELF IT STILL HAVENT ARRIVED EVEN AT YOUR SO CALLED NEW ADDRESS YOUR COMPANY SHOULD BE ASHAMED OF YOURSELF FOR DOING SOMETHING LIKE THIS AND THE SAD PART ABOUT IT YOU EVEN HAVE IT SET UP IN WHICH IT FOOLS THE POSTAL SERVICE SYSTEM WHEN YOU THINK YOU HAVE SEEN IT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My complaint is against EQUIFAX! On Monday I filed an online dispute with Equifax to have unauthorized inquires removed. Because I've had issues with them in the past taking actions which I didn't request I called them today ( Thursday ) to make certain that they hadn't placed a Fraud Alert on my credit file. In XXXX of this year I sent them a FAX verifying my identity in order to have them answer my question as to why my credit card hadn't been added to my credit file. They ended up sending me a copy of my credit report though I never requested that they do so! 

Today when I called I was again subjected to their asinine questioning to prove my identity. Whenever I have prove my identity over the phone with XXXX or my banks, I never have the unfortunate drama which I have with Equifax! I was forced to send them a FAX again to prove my identity and was told I would have to wait 7 - 10 business days for them to get their act together again to address what should be a straightforward and simple solution. 

I have four trade lines on my credit file. Two are authorized users from my mother 's credit cards, two are my own credit cards. I don't ask that my mother share with me her credit card payment information, so I didn't answer those questions at first, however, when I checked what was on my Equifax file and answered the questions I was still told I didn't answer the questions correctly. I seriously doubt they wanted to provide a reasonable method to verify my identity over the phone. 

That Equifax is based here in XXXX and that I a native of XXXX have to speak with call center representatives based in the XXXX concerning uniquely U.S.A. consumer credit issues is ridiculous. I'm a businessman who relies on my good credit for the growth of my company. That an incompetent group like Equifax has their cumbersome hand meddling in my financial affairs is criminal!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I opened an account on XX/XX/XXXX with Citizens Bank with an offer for a {$400.00} bonus when direct depositing {$1000.00} or more within 60 days of account opening. I made my first direct deposit, of {$1000.00}, on XX/XX/XXXX, well within the 60 days stipulated in the offer. 

Citizens has not paid my bonus, as they stipulated in the offer, which said it would be paid by XX/XX/XXXX. 

This is extremely unfair, and they are charging my account fees as well. 

This is extremely misleading advertising, and they should be charged treble damages for wrongful withholding of property, in addition to the {$400.00} that they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES
State: PA

Complaint narrative:
I am court appointed guardian for XXXX year old suffering from XXXX and in facility. Guardian appointed after Older Adult Protective Services determined her to be neglected and financially exploited by family members. In 2012 she co-signed for a federal PLUS load to benefit a great niece. We applied for XXXX XXXX XXXXXXXX XXXX XXXX of co-signer obligation. We have doctor certification that co signer is permanently XXXX and can not engage in gainful employment. We submitted Great Lakes Education s Loan Services ( Servicer ) account number XXXX and copies of correspondence from Servicer indicating borrower making payment schedule. Servicer provided us with copy of loan application but redacted social security and birth date info.We provided this application to XXXX. Original loan ID # XXXX. XXXX is refusing to grant discharge of co-signer obligation because family is uncooperative and we can not obtain dates of birth and social security numbers for borrower and student.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In late 2018, I requested a Serve American Express card which I received in the mail. I activated the card but put it aside because I only planned to use it in travel. I recently made several attempts to link the card to an account so I could use it and I received we'd a message saying I needed to call customer service or activate the card, which already completed. I also called the customer service line but could not get through to an agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
In late XXXX I canceled my service with XXXX. They billed me a month ahead even after I cancelled my service, and then charged me an early termination fee even though I was told by customer service that I was no longer under contract. I was then billed equipment fees. I received a collection that stated XXXX as the original creditor on my account in XXXX, and was unaware until I checked my credit report late XXXX. In XXXX, the first collection agency stopped collections efforts. Then Waypoint Resource Group became the debt collector for XXXX in XXXX. I asked for verification of the amount they sent, and they sent me bill statements that were false. The amount in the verification billing statements were false because they were reporting over {$1800.00} with charges past the cancellation period, while the XXXX billing amount online ( in my account ) was stated at about {$1100.00}. I have recently returned the equipment to get that amount removed from the amount due for collection. I am told the remaining balance, once those charges are removed, will be from a monthly charge and termination fee despite the details I explained above. The equipment costs have yet to be removed from the amount due, and I have the receipt for the equipment. I do not know what else to do, because XXXX is not working with me and Waypoint has sent false information as verification. I do not believe that I owe XXXX any more other than the equipment costs that I just returned. Please help me figure this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV funding is reporting a debt I do not owe. I paid the original creditor, XXXX XXXX XXXX, and have no idea why they are adding a new collection on my credit file AFTER it was already paid, they are also in violation of my 30 day right to dispute. This debt is paid and should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: TX

Complaint narrative:
Someone has opened up an account in my name with Nordstrom. I have continuously disputed this account and have spoken with several reps at Nordstrom. I was told by the Nordstrom reps to dispute the account with the collection bureaus, I have done everything asked of me, however they have done nothing to resolve this issue. I have sent in a Police Report and an FTC report and still nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been sending letter to Equifax requesting the deletion of unauthorized inquiries. I have a fraud alert on my file that requires the merchant to contact me before performing a credit check. Equifax has violated my consumer protection right by allowing these unauthorized inquiries to be performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My complaint is with Bank of America in XXXX Florida. Please investigate them for AML ( anti money laundering ) and BSE ( Bank Secrecy Act ). The money I sent to open up a certificate of deposit was a scam that was run through their bank and the amount of my deposit was {$380000.00}. I was told by my local police that millions of dollars had been deposited in that account before they moved on. The FDIC lady I talked to said that is what she suggested that I do. She also suggested that you investigate XXXX for providing the advertisement for the fraudulent bank. I know I already sent in complaint # XXXX that describes what happened. Thank you for all you do.

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 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I received a call from a " XXXX '' XXXX from XXXX & XXXX which left a voicemail which all my personal information and called family members to harass them about my debt and threaten to sue me. " XXXX '' XXXX represented himself as a paralegal that that he was calling from a law office which is misrepresentation and false. " XXXX '' XXXX was aggressive and threatening me about the debt owed. " XXXX '' XXXX claimed the debt was about {$1.00}, XXXX when the credit card was for {$500.00}. The location that was indicated on the agreement letter was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ; Phone : XXXX ( XXXX ) XXXX-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 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
On XX/XX/19 My home experienced a catastrophic hail damage event. On or about XX/XX/19 I contacted FLAGSTAR BANK, my mortgage company, to initiate LOSS DRAFT claim. FLAGSTAR BANK provided a packet of information needed in order to release funds and co-sign / endorse the funds provided by my insurance company. FLAGSTAR 's requested forms were outside the normal requests, required affadavits, notorized, documents, detailed and lengthy documents from both me and the general contractor / repair company. Since then : ( 1. ) FLAGSTAR has refused to return 5 calls ( 2. ) FLAGSTAR has refused to have a manager contact me despite 4 requests ( 3. ) FLAGSTAR has not returned a single email.

( 4. ) FLAGSTAR has not been responsive and supportive with required to paperwork completion, asking for petty changes and requesting multiple revisions.

( 5. ) FLAGSTAR has failed to process and acknowledge provided paperwork.

( 6. ) FLAGSTAR has been obstructive, slow, and unsupportive during a time of need and calamity for my family and me.

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 2019-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Paypal refused to cancel/remove an unauthorized transaction because of a old and inactive billing authorization. 

XXXX switched, without my consent, from charging my credit card to charging my paypal account for their monthly fee ( {$10.00} on XX/XX/XXXX ). The switch appears to have occurred when I added a XXXX account under a joint promotion ( approximately XX/XX/XXXX ). I am quite certain that I did not approve any changes to my payment method, and I immediately switched the payment method back upon discovering the error. 
I noticed the switch when paypal notified me of the pending charge - there was no prior notification from either entity. I immediately notified paypal, within an hour of the email, that this charge had not been approved. Paypal 's response was that the charge was authorized because I had allowed XXXX to charge my account XXXX time in the past, XX/XX/XXXX. It is clearly possible for there to be an unauthorized charge even when there is an existing and active billing arrangement ; all the moreso for an arrangement that hasn't been used for an extended period. 
Paypal 's reasoning is flawed and they should have removed the payment as requested.

Company response to consumer: Closed with monetary relief