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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. 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 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I filed a dispute stating the debt First Credit Services , Inc. was trying to collect was not valid. I furnished them with the email requesting cancellation of the membership and conflicting amounts that were claimed to be owed within the allotted time frame via certified mail. This company reported this debt without an investigation or any communication after my dispute was sent. They did not even report it as disputed. Which is illegal.

Company public response: Company disputes the facts presented in the complaint
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: U.S. BANCORP
State: CO

Complaint narrative:
After numerous issues in the past 6 months with account restrictions over suspected fraud and/or inability to use the credit card as precaution, customer service has been deplorable. 

An issue occurred this morning XX/XX/2019 while trying to use the card to charge less than {$50.00} to a reputable online vendor. The website froze the transaction and the credit card account was inaccessible both via the app and website login. 

Customer Service agents are rude, abrupt, attitudinal, care little about customer service courtesy and keep transferring the customer after sparring and fighting relentlessly as was the case of the worst insubordinate, XXXX ( supervisor ). None seem to seek to resolve any issue which should be a core competency of their function. 

Senior bank officers at XXXX have been informed of this degradation of service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NY

Complaint narrative:
FIRST AND FOREMOST THIS IS NOT A DUPLICATE! On XX/XX/19 I submitted a complaint to you regarding multiple issues I am having with Selene Finance company. I also sent a second one on XX/XX/19 that you saw as a duplicate IT WAS NOT! The second one happened to be a case where they had increased my monthly payment by more than {$500.00} per month. My taxes did not go up nor my insurance Here is a list of unresolved issues Unapplied payments Misapplied payments Overcharging fees Missing statements Why am I being blocked from writing to them through their email system? Yes, I have been writing but only because I have not received the answers I requested! 

Why after making 5 payments the very next day they sent a letter to accelerate? 

There are two different escrow reports coming from two different people that do not match at all Massive increases in my monthly payments I have requested documents for the last 5 months that were never received I have requested information on who owns my loan with the contact information and the account number with the company not the account number with XXXX. 

There is much to be concerned with here, hopefully, we can real answers that make sense. The answers I received so far are extremely lacking in with regard to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
NC State Employees Credit Union is threatening to close my childrens checking account in retaliation for a loss they incurred on my personal loan. We twice completed paperwork to remove wife and I as co-owners some time ago but either they lost the paperwork or failed to process it. The accounts are solely funded and administered by our children for years since they left college.

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: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I lost my wallet years ago and ever since I've had hardship in addition I am military I m trying to buy my first home and I am now more mindful of 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: 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: NY

Complaint narrative:
On XX/XX/XXXX I sent a letter to Experian disputing several accounts on my credit report asking them to verify the accounts. Experian sent me the results dated XX/XX/XXXX stating that all the accounts were verified. On XX/XX/XXXX I sent a second letter asking them how they verified these accounts and to provide me with the original documentation of these accounts that they verified. I received a response from Experian stating that they have previously processed the dispute, the grantor verified it's accuracy and they will not reinvestigate. I then sent out a third letter to Experian on XX/XX/XXXX informing them that the unverified accounts remained on my credit report and under the FCRA are required to have a copy of the original creditor 's documentation on file to verify that the information is mine and correct. I asked them who verified these accounts and they have not provided me any original documentation with my signature on it. I received two responses from Experian at the same time both dated XX/XX/XXXX. The first letter stated that they were unable to honor my recent request because I did not provide sufficient identification information for them to verify my identity or the information was not legible. Each letter I sent was notarized and I provided a copy of my state identification along with a copy of my social security card. The second letter stated that again they have previously processed the dispute and the grantor verified it's accuracy. I am received two different letters with contradicting responses.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Clarity Services
State: MA

Complaint narrative:
Clarity Services XXXX XXXX XXXX XXXX FL XXXX phone number XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can XXXX. I have never heard y XXXX XXXX and never did business with them ever. I don't even know what type of business they are.

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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The XXXX XXXX XXXX and XXXX service has fraudulently put a negative item on my credit report. I have attached appropriate documentation. I demand that this item is removed immediately.

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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX I contacted Chase to report my card stolen. It was a bit unusual as the entire system is automated for a lost card. I navigated through the system, confirmed the last charges on the card were accurate and then was told replacement cards would be sent out via mail and I should receive them in a few days. The number I used to contact Chase was XXXX XXXX XXXX XXXX. I went out of town last week and returned yesterday. Unfortunately the new cards had not been sent. Upon calling Chase this morning I found out that they had not cancelled the account and had no record of my call to the automated system. I requested that this should be looked into further as the system appears to not have worked, leaving myself and my credit score unprotected for 13 days. I'm not expecting payment, just the assurance that the bank is actually protecting my information and credit with due diligence.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX partial account number XXXX. This account is being coded incorrectly. This account needs to be coded as an M1. ( Please see pages 18, 19 and 21 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Five months ago we had a security issue and were advised by our bank to get free fraud monitoring through a credit agency. We signed up with Experian. First my husband ( who is in XXXX health ) and then I started getting e mails telling us that our credit rating was going up or down, and they billed us for the " service ''. {$21.00} a month. 

We do not want this and did not sign up for it. But I can not stop mine. I stopped my husband 's, because he had already given out his social security number to an XXXX hacker so was compromised ( the original issue ), but can not stop mine. 

When I call Experian, they start out by asking me to put in my social security number. I do not do this : I do not know if their telephone service is secure. But there is no way to reach them without the social security number. So I can not stop it. 

So this company ( a public, profit making corporation ) has forced services on us that we do not want, and made it impossible to stop them unless I give out my social security number. Please, what can I 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: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BTH Management
State: TN

Complaint narrative:
I XXXX XXXX DIDNT EVEN APPLY FOR A LOAN SOMEONE ELSE DID AND THIS IS NOT MINE. I HAVE TRIED TO CONTACT THEM EVEN DID A CREDIT DISPUTE AND THEY HAVE NOT EVEN VERIFIED THE ACCOUNT OR SENT ME ANYTHING LIKE I REQUESTED FOR THEM TO DO. I DONT KNOW WHO DID IT BUT ITS NO MINE AND I WOULD LIKE IT TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY. 

THANKS 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: 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: LA

Complaint narrative:
XXXX  and Experian are reporting an incorrect coding of the XXXX   XXXX  XXXX partial account number XXXX. This account is being coded incorrectly. This account needs to be coded as an XXXX. ( Please see pages 18,  19 and 21 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The information reporting does not belong to me. It needs to be deleted immediately. 

XXXX XXXX in the amount of {$520.00} from XX/XX/2011 XXXX XXXX Acct # XXXXXXXX  These accounts do not belong to me. I have reported this as fraud many times. If it is not removed from my account I will be filing suit.

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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I was never contacted about this debt by the Simons agency or original creditor. Found out about debt by checking my credit report. Called Simons agency three months ago and asked for a bill and still have not received one. I owe XXXX that my insurance did not pay but cant verify that without seeing a bill. I should have been contacted by someone before this was put on my credit report. I never had a chance to pay or dispute because I new nothing about it. XXXX XXXX

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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I have been trying to get a freeze lifted or my pin to unfreeze my account from Experian. There is no way to talk to anyone. I have sent numerous letter and tried on line and by phone. I am trying to get some credit and unable to because of this freeze. I need help.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The bank began returning checks on the account after 2 separate deposits were made one on XX/XX/2019 and XXXX XX/XX/2019. The account has been open for 36 mos with no previous derogatory activity. The bank rep explained that there was a hold on both deposits and all future deposits would have a hold placed on them. The advised that they would charge an overdraft fee for all checks an transactions presented for payment. They advised that they would place a hold on cash deposits as well. The also advised that there would be no notice sent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have a PayPal account which I have used without problem for several years.

I recently received an email saying I could like my PayPal credit account with my normal PayPal account. I never authorized PayPal to create a credit account, nor do I want a credit account.

I called PayPal to cancel the account ( they never gave me a number or information about the account ). I hung up after they advertised my wait time would be 1 hour 5 min.

I emailed them through their website. Over the course of 4 emails and replies, at first they acted like they did not know about it. I told them that was unacceptable, they were the ones telling me they created an account and wanted to link my normal account to their credit account. By the third email they admitted they had created an account in my name with a credit limit of {$13000.00}. They offered to close it. I emailed back to close it. They responded it was closed. So the " problem credit account '' is now presumably closed if I am to believe them. 

My concern is this is like XXXX XXXX. PayPal is creating accounts for their customers without their knowledge. They need to be stopped. This is wrong.

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: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
I went to Eastern Bank and got the Bank problem resolved and paid and the said it would not be reported to XXXX  XXXX then I see it on my XXXX XXXX report Eastern Bank XXXX XXXX XXXX XXXX Ma XXXX and phone number not available

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Was charged $ XXXXfor hotel stay on XX/XX/2019 for XXXX XXXX by XXXX . I never stayed at this hotel and never gave priceline my credit card information. I did try and book hotel through XXXX. but when I called to confirm hotel they told me I had no reservation. They than booked me another hotel which I stayed at and paid for.

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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: MA

Complaint narrative:
I filed a dispute stating the debt XXXX XXXX XXXX XXXX XXXX was trying to collect was not valid. I furnished them with the email requesting cancellation of the membership and conflicting amounts that were claimed to be owed within the allotted time frame via certified mail. This company reported this debt without an investigation or any communication after my dispute was sent. They did not even report it as disputed. Which is illegal.

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: Rocket Mortgage, LLC
State: CO

Complaint narrative:
Quicken Loans DBA Rocket Mortgage received my payment on the XXXX day of the month and intentionally did not process it for SEVEN days, so that they could illegally charge an outlandish late fee. 

The late fee needs to be reversed and Quicken Loans must be compelled to stop this illegal and highly predatory practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Deceptive business practices On or about XX/XX/2018 I applied for a capital one credit card ( secured ). After a time period, the application expired. I called capital one concerning the application and they stated to reapply. I called to check status and representative stated it was denied due to a previous application, and stated to reapply again. I checked on the status and again was told XXXX reapply and I was denied because I reapplied. Capital One customer service decieved and encouraged me to make multiple applications to be submitted which resulted in my application denials and credit inquires.I then found that Company policy states that a grace period in between applications are to be made but this was not presented to me until after multiple applications. I found to be the reason for such a denial to take place, due to lack in training of Capital One representatives. The response from capital one was that they can not approve the application due to multiple applications. however did not state it was due to representatives not informing customers of such a grace period or not to encourage further multiple applications resulting in denials of credit card. I have reviewed my recordings of these incidents, and it confirmed that it was a customer service error. As far as inquiries, I was not sure which ones needed deleting or confirming as I was told numerous times to submit multiple applications. 
XXXX, representative contacted me stating these incidents ( recorded as well ) XXXX, XXXX XXXX

Company response to consumer: Closed with explanation