vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HANCOCK WHITNEY BANK
State: MS

Complaint narrative:
i submitted a letter to XXXX XXXX concerning this negative item on my credit on XX/XX/2018 and XX/XX/2018 with no response to neither one of them.i would like assistance with this matter, obviously they has disregard the 30 days time allowed by law.my balance is incorrect and it should be XXXX XXXX and i'm asking them to verified it bearing my signature as well. 

usps XXXX this is the certified letter from the postal service

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX XXXX pulled an authorized hard inquiry from my XXXX and XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: MS

Complaint narrative:
i sent a claim on XX/XX/XXXX concerning mariner finance about my account from XXXX XXXX showing that is was 30 days late.my account has never been late and im asking them to correct the mistake that damaging my credit report. my usps delivery conformation is XXXX XXXX XXXX XXXX XXXX and i understand that they have 30 days to respond from the date that they sign for it to comply before its a violation of the law.

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 2018-12-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As relief from the Country Wide loan fiasco. Bank of America purchased the 2 loans and placed me on an interest only loan. I applied for a modification in 2009. It was completed and I was placed on a step rate loan. ( fixed rate ) the HELOC was sold and the first modified. 
After 2 years amount increased per schedule, BUT was to cap at 4.5 %. Loan continues to increase. Nothing going to principal. B of A changed the loan to a jumbo Arm loan. I did not agree to another interest only loan. No other lender will touch it. Now Im upside down on the loan. I am stuck with 2 loans. I applied for a modification/ denied. Did not qualify. How is this helping me?. I was told by B of A to do a short sale. I have never been late or missed s payment since 2009! I dont want to sell. I have made multiple improvements, upgrades landscaping etc. XXXX XXXX a month is ridiculous. If I could afford that amount I certainly would not live here. Id live closer to 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 2018-12-29 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXX XXXX2018 American Express make a hard inquiry with wasn't authorized by me I would like this to be removed as it is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am trying to purchase a used car. On the morning ( Eastern Time ) of XX/XX/XXXX the dealer informed us our credit report was blocked. After the Equifax security breach fiasco we used the Equifax block feature, so I went to the XXXX  website and clicked on unlock ( later the morning of XX/XX/XXXX ). This morning ( XX/XX/XXXX ) I called Equifax customer care at XXXX, I clarified I had seen the " Please allow 48 hours  to process your request '' notice ( see screenshot ), but was requesting they go ahead and remove the block so I could purchase the car today. 

We later checked with the dealer and they said our credit was still blocked, indicated no data was being provided. I called Equifax again to ask what was going on. The representative told me it would take 30 days, so I requested to speak with their manager. The manager confirmed credit was unblocked and in fact, saw the dealer had pulled my credit that morning. The manager suggested I pull my own credit, I did and indeed saw the dealer name with today 's date at the top of the inquiry list ( see screenshot - I partially obstructed the dealer name, because this shouldn't be their fault and don't want negative publicity as a result of this complaint ). 

I called back the dealer, they checked again and said no credit data was available. They also clarified they saw this issue a lot with other sales, it indeed takes several days for credit block to be " fully '' removed. The Equifax FQA section states the unblock should be near realtime ( see screenshot ). This a extremely frustrating process and I understood the credit bureaus were mandated by the government to make this process reasonably efficient for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC Bank USA has begun charging a fee when you pay your Mastercard bill, on time. 
This was written in small print to begin XX/XX/2018 without any reason given. Though only a dollar ( on my credit card bill ), it could increase without warning. 
I went to the bank, spoke with the banker and the teller. They claimed to know nothing about this. When I phoned, only robot offers given for responses. 
HSBC gives very little interest, even on a {$40000.00} savings. The Mastercard web site mentioned that the bank is responsible for the fee, as the issuer of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: MS

Complaint narrative:
i has been dealing with this item against XXXX XXXX XXXX XXXX XXXX  reporting an incomplete account and saying that i'm 120 days past due, has violated the 30 days to comply multiple times by not replying to my letters that i sent regarding this issue.i have sent letters on 3 different occasions XX/XX/18,XX/XX/18, and XX/XX/18 and not heard back from neither reply.this is the usps delivery conformation XX/XX/2018 is XXXX XXXX XXXX XXXX XXXX and i have the letter to verify that i sent them that i will upload it.need help in this matter.It only showing on equifax and i would like it remove like XXXX  has deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
My XXXX year old mother-in-law, XXXX XXXX passed away in XXXX after a lengthy illness. In one of her purses, we found four unused {$25.00} Mastercard Gift Cards. We believe she received them as a gift either for her birthday or XXXX in XX/XX/XXXX. Today I went to " register '' them online and found they were worth nothing because there is a $ XXXX inactivity fee charged. So for each of the four {$25.00} cards, $ XXXX was deducted on each one. Since it has been a year, they are worth nothing. I think this practice is reprehensible. I've never heard of a gift card that charges $ XXXX for inactivity! On the package it says " Gift Card - The Perfect Gift use anywhere Debit Mastercards are accepted. '' Card information for each {$25.00} card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX Can something be done about this? It seems like this is a complete rip off. Thank you for any 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 monetary relief
Consumer complaint received 2018-12-29 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: EQUIFAX, INC.
State: KS

Complaint narrative:
On XX/XX/2018 an XXXX XXXX XXXX XXXX XXXX XXXX XXXX   representative in an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX United States ask me for some information including my name and address, she did not inform nor did I give consent to have a credit check, and now there is a hard inquiry on my Equifax Credit Report .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: EQUIFAX, INC.
State: KS

Complaint narrative:
On XX/XX/2018 an XXXX XXXX XXXX XXXX XXXX XXXX XXXX   representative in an XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX United States ask me for some information including my name and address, she did not inform nor did I give consent to have a credit check, and now there is a hard inquiry on my Equifax Credit Report .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates has 3 accounts listed on my credit report that have not been verified. Also Portfolio Recovery Associates is not licensed in the state in which I reside in which is Michigan. It is illegal for Portfolio Recovery Associates to collect in a state that they are not licensed in. I have attached proof. I would like the 3 accounts with Portfolio Associates to be removed from my XXXX, XXXX and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
i sent a complaint to XXXX XXXX on XX/XX/18 about an account open on XX/XX/2018 which showing my loan balance in incorrect should be XXXX and i would like for it to be corrected or deleted from my report.i understand that they have 30 days to response to my letter before its a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FUTURE FINANCE COMPANY
State: IL

Complaint narrative:
Basically since we had got the loan the car has needed work after work so paying car note plus put money in the car so it works is to much. We pay car loan every month even if late 1 or 2 weeks it gets paid plus late fee is paid. They call and threaten u after 1 week of being late saying they are taking the car i could see if a person doesn't pay a loan at all but a week or 2 behind? We got a call from them on XX/XX/2018 about late payment and car would be took car payment is due on XXXX every month. We called them got real bad attitude from two different people who work for them both time hung up phone on me. We have had the car around 4 to 5 months now and payment is always paid before XXXX of month. Company is future finance in XXXX XXXX Illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: FC HoldCo LLC
State: VA

Complaint narrative:
In XX/XX/2018 XXXX XXXX XXXX pulled a credit with out my consent or authorization I would like this inquiry removed as it's affecting my credit.

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 2018-12-29 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: VA

Complaint narrative:
In XX/XX/2018 XXXX XXXX XXXX pulled a credit with out my consent or authorization I would like this inquiry removed as it's affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: NJ

Complaint narrative:
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX THIS ACCOUNT STATES THAT I HAVE A Maximum Delinquency of 120 days in XX/XX/2012 for {$8600.00} and in XX/XX/XXXX< AND I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENTS OFF XXXX XXXX XXXX XXXX XXXX  ACCOUN # XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ( XXXX ) XXXX THIS ACCOUNT STATES I HAVE A >Maximum Delinquency of 30 days in XX/XX/XXXX< HOWEVER I WAS NEVER LATE ON THIS ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hello, My complaint is fairly simple so forgive its brevity : The equifax corporation has not supported credit freezes through their website as required by law in that their online login system to do so has been down since at least XX/XX/XXXX, that i can prove here. 

My several attempts to contact the company regarding this are met with an admittance that this is a known issue but no timetable to completion of a fix and no really interest in allowing me to talk to those who might be able to fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I had a terrible experience with Citi Bank. 

I opened a checking and savings account based on a promotion about 6 months ago. The promotion involved depositing {$15000.00} into the accounts, keeping the funds for 60 days, and receiving {$400.00} 90 days after those 60 days. Within the past 6 months, I have been calling Citi several times to make sure that I qualify for the promotion. Every time, Citi has confirmed that I qualify. I called in XX/XX/XXXX to make sure I completed the needed activities ; I called in XX/XX/XXXX to make sure I will receive the bonus in XX/XX/XXXX ; and, after not receiving the bonus in XX/XX/XXXX, I called XX/XX/XXXX - during all of the calls, the Citi representative on the line confirmed that I qualify for the bonus. However, during the last call, on which I spent over 50 minutes on the phone, Citi refused to transfer the bonus and informed that I do not qualify for the bonus as the {$15000.00} was not transferred in time. Citi also told me they emailed me on XX/XX/XXXX to explain that lack of qualification, but I do not have any emails from Citi from that date. 

I was lied to by Citi for the past 7 months, as a result keeping my money with them instead of investing it elsewhere. If I had invested in a high yield savings account, I would have accrued at least {$150.00} off that money. I also could have invested in other checking accounts with similar promotions, which would have resulted in more than {$150.00} returns. Instead, I am left with wasted time, frustration, and lost financial opportunity. I have spent over 3 hours collectively on the phone with Citi trying to resolve this. Citi representatives have been less than concerned with the problem and the potential loss of a customer. 

This kind of behavior and low ethical standard are not acceptable for a leading financial institution. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-29 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: MO

Complaint narrative:
My identity has been compromised and looking at my credit report I see accounts on there that I have absolutely any knowledge of and requesting that they be removed immediately. In concert with the FCRA law if the reporting agencies can not provide physical documentation to the consumer then the disputed accounts shall be deleted. The following accounts are 1 ) XXXX, ( XXXX ) {$1300.00} 2 ) XXXX XXXX ( XXXX ) {$860.00} 3 ) XXXX XXXX XXXX ( XXXX ) {$710.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX ( XXXX ) {$130.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29 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: NJ

Complaint narrative:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION  COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification  CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX THIS ACCOUNT STATES THAT I HAVE A Maximum Delinquency of 120 days in XX/XX/2012 for {$8600.00} and in XXXX AND I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENTS OFF XXXX XXXX XXXX XXXX XXXX  ACCOUN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ( XXXX ) XXXX THIS ACCOUNT STATES I HAVE A >Maximum Delinquency of 30 days in XXXX HOWEVER I WAS NEVER LATE ON THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I filed a loan application of home purchase to PNC Bank on XX/XX/XXXX, borrowing {$230000.00} ( 80 % of the home purchase ). 
The employee of PNC XXXX XXXX was handling the case. She was impatient answering my questions about the loan application and pushed me to the following steps, where I was stepping in troubles. 
She gave me the quote of the loan rate and credit based on the loan amount {$230000.00} on the phone and said would send the information we talked on the phone in an email. But she changed the loan amount from {$230000.00} to {$220000.00} ( 75 % of the home purchase ), which is hardly to find out because everything else like the rate, credit are the same as we talked on the phone. 
Things were getting worse when I tried to sign the loan contract, I found everything related to money is changed : down pay, rate, credit ( changed from {$6600.00} to {$6000.00} ). 
when I tried to reach out to her and understand what's going on, she refused to answer about this asking me contact her assistant XXXX XXXX, who hadn't involved in the quote and just simply told me to either accept everything in the contract or change loan amount from 80 % to 75 % of the whole purchase amount with different credit than the quote. 
I withdrew the loan application from PNC and ask them to keep my private information confidential. And I told XXXX XXXX I would complain to CFPB. 
She texted me blackmailing me in XXXX, still not answering why money related information in the contract is different from the quote.

Company response to consumer: Closed with explanation