vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, someone who was not myself cashed a check against my account for {$620.00}. The first I knew of this was on XX/XX/XXXX, when I received my Credit Card statement showing an overdraft charge and associated fees for this amount. I immediately called both the bank and the company who issued the card explaining that I had not cashed any check and knew nothing about this transaction. An inquiry was begun. On XX/XX/XXXX, I received a letter from said issuer that they had examined my account history and determined I was responsible for this transaction. I have made numerous trips to the bank but they can not find the check or any information on it. They have tried to be helpful but I am still getting billed or this amount and subsequent charges. This was a fraudulent transaction. Shouldn't the responsibility of locating the perpetrator belong to the bank? Why am I, a XXXX senior, being persecuted? 
On XX/XX/XXXX, the bank had sent me a letter informing me that on XX/XX/XXXX, someone had attempted to cash a check for the same amount. It was determined that the signature was fraudulent and cashing had been refused. I was told to do nothing. Why was the check cashed in XXXX? Why did they wait 3 months to notify me? Two days after receiving this letter I tried to use my debit card but my account had been closed. No reason was given but a new card was issued. It turns out I had received this check in XXXX, took it to the bank but it never got into my account. I must have lost it. I had been caretaking a sick family member and left immediately for a few days of rest. I totally forgot about the check.

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 2020-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
When we first bought our home in XXXX, we were told that we could remove PMI if we did an appraisal and LTV was under 80 %. Then the mortgage was acquired by XXXX, who told use their policy was to remove it after we have been with them for two years, provided that the LTV was under 80 % after an appraisal. On the two year anniversary, XXXX sold the loan to Loancare LLC. 

When I first contacted Loancare, I was told it's must be with the loan for the life of the loan and can never be removed. After calling back about it some time later, I was told after the loan is 7 years old. My latest call, today XX/XX/XXXX, I was told 11 years. We're at a point that we would like a solid correct answer. I requested documentation showing why they would not remove it from the original closing documentation, but I was never sent anything. I feel I have been lied to 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
Consumer complaint received 2020-06-12 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: CA

Complaint narrative:
I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told they were not able to give me a credit limit increase at this moment because I had negative credit history. I got a copy of my credit report because I wasn't sure what negative history they were talking about and I saw two charged off accounts on my report ; One from XXXX XXXX and one from XXXX  XXXX Auto finance. These accounts do not belong to me and I never gave anyone permission to open them in my name. I do not have a written/verbal contract with either of these companies and I did not benefit anything from these accounts that were opened on my behalf without my permission nor did I ever make payments toward these accounts. I filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: CA

Complaint narrative:
I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told they were not able to give me a credit limit increase at this moment because I had negative credit history. I got a copy of my credit report because I wasn't sure what negative history they were talking about and I saw two charged off accounts on my report ; One from XXXX XXXX and one from XXXX XXXX Auto finance. These accounts do not belong to me and I never gave anyone permission to open them in my name. I do not have a written/verbal contract with either of these companies and I did not benefit anything from these accounts that were opened on my behalf without my permission nor did I ever make payments toward these accounts. I filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-06-12 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: CA

Complaint narrative:
I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told they were not able to give me a credit limit increase at this moment because I had negative credit history. I got a copy of my credit report because I wasn't sure what negative history they were talking about and I saw two charged off accounts on my report ; One from XXXX XXXX and one from XXXX  XXXX Auto finance. These accounts do not belong to me and I never gave anyone permission to open them in my name. I do not have a written/verbal contract with either of these companies and I did not benefit anything from these accounts that were opened on my behalf without my permission nor did I ever make payments toward these accounts. I filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-06-12 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: GA

Complaint narrative:
XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information 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 explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I have an account through Conn 's Home Plus. Over the past 8 months they have done the following.

1. Contacted me outside of federal regulated call hours ( ex XXXX XXXX sunday morning ) 2. There contact methods are loading a number on the dialer system once an hour every hour regardless of contact.

3. I have made payments and have been called back an hour later for solicitation of another payment 4. I have filed multiple complaints from there third party company all the way to the corporate office in XXXX XXXX with no resolve. 
5. They offer extensions to be be brought current but require a payment that is more the the 30 day amount of interest 6. They have modified and extended my contract multiple times over the last year without my authorization The past two days of call history are XX/XX/2020 XXXX XXXX XXXX 1. XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX   4.XXXX XXXX  5. XXXX XXXX  6. XXXX XX/XX/2020 XXXX XXXX XXXX 1. XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX  4. XXXX XXXX  5. XXXX XXXX  6. XXXX XXXX  7. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter from wells fargo bank, it was about wells fargo account by my name and my address on the letter, that account I did not open, it informs me about checks deposited to or cashed against the account suspected to be counterfeit. 
Wells fargo did identity deft, fraud, opened an account by my name, and deposited counterfeit ( fake ) check to that fake account. I called them immediately after I received the letter and told them that I did not do that, I asked the operator to tell me about this identity deft, fraud, and they told me that it was done online, I asked them to provide me about who did that or from which direction it is coming from, so I can do my part of security measures to avoid further happening or attempts of identity deft, fraud, by my name, they did not provide me anymore of how did that happened, this is a big concern for me, this can harm my financial status. I keep my documents in private, only I have access to them, nobody else has access to them, and my electronic information protected by a password.

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 2020-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Contacted cash provided by XXXX XXXX, They credited there account with my own funds.. with out my acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Back in XXXX, I had an account for cable/internet/phone service with XXXX now known as XXXX. I cancelled the service and switched to another provider. My family and I bought a house and moved in XXXX. Ironically, when we moved, my husband opened an account with XXXX. Unbeknownst to me, apparently, I had an outstanding balance of {$310.00} dating back to XXXX. I received no notification of the outstanding balance. The XXXX sent my account to a collection agency, IC System, Inc. who never sent me any correspondence. Instead, they just reported it to the credit bureaus. Once it showed up on my credit report, I proceeded to call IC System, Inc. to dispute it. They said it was a XXXX  account so I called XXXX and that is when I learned about the outstanding balance. The representative at Spectrum said I could make the payment with her over the phone which I did - I gave her my credit card number. She advised that they would contact the collection agency to have them update their records to show it as being paid. Over the past 6 weeks, I have called IC System, Inc. and they keep telling me that they are waiting for Spectrum to update the file on their end. I call Spectrum and they tell me they have notified IC System, Inc on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In addition, on XX/XX/XXXX, I faxed IC System, Inc a printout from my credit card account showing the balance was paid by credit card on XX/XX/XXXX and it was charged to my card on XX/XX/XXXX. To add insult to injury, I got home today, XX/XX/XXXX, and there is a collection notice from them. When I called, they confirmed they had my fax showing the payment made!! But they still insist on sending collection notices despite receive a cease and desist all collection efforts from XXXX, the original creditor. I'm stuck in the middle and can not get this resolved.

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 2020-06-12 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: GA

Complaint narrative:
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, XXXX  XXXX  XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX/XXXX  Card XX/XX/XXXX, XXXX  XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX   XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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, XXXX XXXX XXXX XX/XX/XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: CA

Complaint narrative:
U.S Bank reported our credit card account 30 days late on XX/XX/XXXX and 60 days late XX/XX/XXXX. There was an ongoing error with their mobile application which would state a {$0.00} payment before the due date. 

Same problem happened with our Equity line of credit in XX/XX/XXXX, which we disputed and U.S Bank acknowledged the error produced by the mobile application and agreed to remove the 30 day late remark. 

Attached is a letter from U.S Bank confirming the mobile application error which also affected our credit card account XX/XX/XXXX and 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 2020-06-12 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: NJ

Complaint narrative:
Someone had possession of my card during the very end of XXXX and beginning of XXXX without my permission and used it to make purchases until it reached it's card limit. I did not receive an alert from Capital One regarding the charges, so as soon as I found out on my own I called them immediately. This was about two months ago ... They credited my account for all the fraudulent transactions that had taken place but then turned around and rebilled me for them. I was and am still infuriated ... 

I just received a letter in the mail today dated XX/XX/XXXX from Capital One, stating that after researching my case, they quote un-quote found " insufficient evidence of fraud '', because " information they discovered led them to believe that me or another account user benefited from the transactions. '' Lol. First of all, there is no other account user. There is no authorized user on the account, nor have I given anyone permission to use the account. Second, information they discovered?? What is this quote un-quote " information they discovered ''?? Of course they failed to mention that. But based on what they said following that statement, " led us to believe '', this apparent information they discovered did not prove that I used the card, nor that someone else had my permission to use it. 

Another thing they stated which proves they have no validation I used the card -- " you or another account user '' ... Sounds like they don't even know who used the card!! If they choose to investigate fraud, finding out specifically who used the card is supposed to be part of their investigation!! The fact there's even an 'or ' in their statement when referring to who used the card, proves they improperly investigated, or didn't even investigate at all!! 

Clearly Capital One has insufficient evidence of their argument that there was no fraud, and I am NOT responsible for the charges they rebilled me for. 
Therefore I refuse to pay for them. So they need to re-credit my account again or I will inform the credit bureaus of what's going on and also the debt collection agency that will be one day be calling me on behalf of Capital One regarding the charges ... 

Again -- I am not paying for these charges because I am not responsible for them as I did not make the purchases, and I consider this matter closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: GA

Complaint narrative:
I recently got out of an abusive relationship after living in a XXXX XXXX XXXX XXXX  for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative, inaccurate and derogatory reporting by the credit bureau. I contacted them in writing and on the phone to ask that my information be corrected and completed. The company responded by jumbling up my information - reporting misspelled versions of my name and publishing addresses which I have no association. I attempted to contact them several other times in order to get the information corrected however, their response would always be the same. I checked my credit report as recently as today with the same incorrect information being reported. My information is of a sensitive nature and should not be shared with my abuser. 

At this point, I am seeking intervention to stop the credit bureau from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir or Madam, My name is XXXX XXXX, I have a credit card account with Citi card for over 10 years. I always make my payment on time. Due to COVID-19, I received my statement late because New York City was shut down with limited services. 

I contacted Citi card to requested to waive a {$29.00} late fee however they can not waive it with no concrete reason. I think this is unfair. 

I was able to pay my bill during the pandemic. I wasn't asking for an extension, I was asking for a late fee to be wave. 

I need your help in getting Citi card to waive the late fee. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12 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: CA

Complaint narrative:
I just realized that there are two accounts on my credit report that I never opened. The accounts are from XXXX & XXXX XXXX XXXX. The only reason why I was even looking at my credit report is because I applied for an apartment and I saw these accounts in the negative accounts section. I don't know who these accounts belong to or why they're appearing on my credit but I did not benefit anything from them such as money or goods and I never made any payments towards these accounts. I have never opened any account with either of those companies and I am not affiliated with them in any way. I have also filed a police report in hopes of getting this resolved by the time I have to move. I have filed this report to the best of my knowledge.

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 2020-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I am writing to officially file a grievance with PennyMac. I formerly submitted a request to PennyMac to transfer my property to my living trust. A revocable living trust is a legal estate planning tool that places my assetsinvestments, bank accounts, real estate, vehicles, etc. in a trust for my benefit during my lifetime. 

Upon my death, all assets held by my trust are distributed quickly and easily to my designated beneficiaries. One of the benefits of a trust is the sheer fact that any and all transactions involved, including distributions, are private both before and after my death. I have received two separate letters from PennyMac requesting 1. ) a complete copy of my trust, and 2. ) acknowledgement that I am the named beneficiary. 

I have responded to these requests by providing a copy of a Memorandum of Trust and, Certification of Trust. Both of these are legal documents prepared by my attorney and should more than satisfy PennyMacs request. At this juncture, I firmly believe PennyMacs request is both unreasonable and unjust. 

I have attempted to contact a representative on several occasions specific to this matter to no avail and am hereby officially submitting a formal grievance.

Company response to consumer: Closed with explanation