vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I recently conducted a review of my Transunion Credit Report and observed five " Hard Hit Inquiry '' that I don't recall authorizing. ( 1 ) XXXX XXXX dated XX/XX/XXXX, ( 2 ) XXXX XX/XX/XXXX, ( 3 ) XXXX XX/XX/XXXX, ( 4 ) XXXX XX/XX/XXXX, & XXXX XXXX XXXX XX/XX/XXXX. I contacted the companies mentioned and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Fair Credit Reporting Act ( FCRA ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] a. In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

2. In accordance with the written instructions of the consumer to whom it relates.

3. To a person which it has reason to believe A. intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or B. intends to use the information for employment purposes ; or C. intends to use the information in connection with the underwriting of insurance involving the consumer ; or D. intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or E. intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or F. otherwise has a legitimate business need for the information i. in connection with a business transaction that is initiated by the consumer ; or ii. to review an account to determine whether the consumer continues to meet the terms of the 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 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There were a number of issues with this credit card and the charges, but the current problem is this charge off by XXXX XXXX XXXX # XXXX was in XX/XX/2011 and the charge off still appears 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 2019-07-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My complaint is against BEST BUY/CBNA, account info : BESTBUY CBNA ac # : XXXX XXXX XXXX XXXX XXXX XXXX under XXXX XXXX, date open XXXX, balance {$0.00}. Back in XXXX the mentioned company mark my account with a XXXX late payment for a {$40.00} annual fee which I didnt even know I had to pay and in any case that annual fee was supposed to be paid automatically. I see this as an unfair business practice from the mentioned company and I want the late payment to be removed as soon as possible. I found out about this issue when my mortgage company has on hold a {$300000.00} home loan which they dont want to approve until this account has been corrected. I already gave a {$10000.00} deposit for the property. Im asking in a respectful and reasonable way to please remove that late payment for an annual fee from my reports as soon as possible. In the event that this does not happen I will take legal action on this issue.

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 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OR

Complaint narrative:
contacted XXXX XXXX, [ XXXX XXXX/cardinal financial ] regarding mortgage re-fi. he promised a cost free loan fixed at 3.50 % 30 yr. loan. he promised out of pocket fees, tittle and escrow, would be at max {$5500.00}, and the loan would be exactly what was to pay off bank since then, XXXX [ XXXX ] and XXXXwo girls from cardinal financial, XXXX XXXX and XXXX XXXX have very cleverly added {$3000.00} or so the cost of the loan. there has been dozens of excuses, mostly from XXXX regarding the increases. each day, a different excuse. I`ve told both companies that the payoff was wrong over and over and the out of pocket cost went from {$5500.00} to {$8000.00} to {$4900.00} to todays {$7300.00} and just within a couple of hours down to {$5800.00} very cleverly. different excuses every day mostly from XXXX as usual. but todays excuses were brought up by the new girl XXXX XXXX, where she came up with new escrow fees, interium interest fees, and interest rate charge fees. none of these I had ever herd before. always a new excuse. what happened to the no cost loan? I understand the appreisal, escrow, and tittle fees are my out of pocket fees, but the rest is a poorly designed scam to change a cost free loan to a high cost loan. please help ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-03 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-03 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: Nelnet, Inc.
State: LA

Complaint narrative:
XX/XX/XXXX I had 9 accounts through Nelnet that hit my credit report. Reporting late I had no idea that payments were due because my accounts were in deference status. Usually there is an upcoming date to remind you of payment through email. I did not get reached through email or valid address. I called immediately once I found out and they didnt see that they tried to reach me by email either for a reminder. Instead they went off public records which was incorrect due to me having identity theft in XXXX were someone obtained my information and opened multiple accounts and attached mailing information to a XXXX XXXX . Ive contacted Nelnet multiple times to see about getting the late payments removed. Ive even tried to work out payment plan if late payments could be removed. They had no way of contacting me and instead of apologizing for the inconvenience the representative basically said its my problem and it will not be removed. I had no recollection of this being late and it is impacting my credit very negative especially with me being in the process of trying to purchase a home. I can not do anything with 9 accounts showing late and its the same lender very unfair! Especially because they are not offering any type of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, I was a part of a fraud/scam using Wells Fargo 's XXXX service. 

An individual was selling event tickets in XXXX XXXX, which were presented from XXXX. The scammer named XXXX XXXX began to share the ease and security of the transaction since XXXX was a service endorsed and backed by our banks, Wells Fargo. 

The transaction occured over the phone where the scammer provided a name, phone number, and cost of the event tickets. The amount transferred was {$400.00} for 2 tickets. 

The scammer remained on the line to verify the transfer. Once verified, he said he was now ready to initiate the online ticket transfer using an email address I provided. Then he hung up. 

After calling back, I realized my number was blocked and involved in fraud. I immediately called Wells Fargo 's fraud department to help address the situation, only to be directed to filing a case number and told an investigation would take place. 

2 weeks go by and I received a letter from Wells Fargo saying they can't do anything about the matter and will not credit the {$400.00}. 

As a Wells Fargo customer for over 20+ years, the customer service experience and protection protocol for customers in these fraud situations is an absolute mess. Countless calls for help has resulted in nothing. Ultimately resulting in a process to take my banking elsewhere.

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 2019-07-03 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: Nelnet, Inc.
State: LA

Complaint narrative:
XX/XX/XXXX I had 9 accounts through Nelnet that hit my credit report. Reporting late I had no idea that payments were due because my accounts were in deference status. Usually there is an upcoming date to remind you of payment through email. I did not get reached through email or valid address. I called immediately once I found out and they didnt see that they tried to reach me by email either for a reminder. Instead they went off public records which was incorrect due to me having identity theft in XXXX were someone obtained my information and opened multiple accounts and attached mailing information to a PO Box . Ive contacted Nelnet multiple times to see about getting the late payments removed. Ive even tried to work out payment plan if late payments could be removed. They had no way of contacting me and instead of apologizing for the inconvenience the representative basically said its my problem and it will not be removed. I had no recollection of this being late and it is impacting my credit very negative especially with me being in the process of trying to purchase a home. I can not do anything with 9 accounts showing late and its the same lender very unfair! Especially because they are not offering any type of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called Trans Union on XX/XX/XXXX at XXXX XXXX central standard time spoke with a man name XXXX informed him of a item i will like to dispute because i can not identify this item in question, can he give me any information on the item he said they have no information and that they can not get the contract to prove accuracy and that i can not request a investigation to get item removed i will like to dispute item 1XXXX {$340.00} reported XX/XX/XXXX do to me not being able to identify item and that the credit reporting agency can not provide me with the original contract nore information to prove accuracy

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 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
The reason for my dispute isJefferson Capital Systems was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Jefferson Capital Systems has  reported a fraudulent account on my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation.Jefferson Capital Systems is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where Jefferson Capital Systems, are in compliance with OHIO LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: WY

Complaint narrative:
On XX/XX/19 I used the online service with Discover to repay the remaining balance of my personal student loan ( in the amount of just over {$4000.00} ). While repaying the loan, the website crashed so my wife and I worked with chat support to start the online payment over again. While doing that, the program again crashed yet again - and we decided to call and speak with a representative in person. That person walked us through the repayment and notified us of the exact amount that would be withdrawn from our bank account to repay the outstanding balance of the loan. 

On XX/XX/19 we saw that Discover had ordered repayment of the loan in triplicate - they withdrew over {$12000.00} dollars from our account in three separate payments. We immediately contacted our bank and Discover. The bank confirmed that Discover had withdrawn the funds three times.

I spoke directly with Discover representatives, who were able to determine that they had in fact made a mistake and requested the funds be withdrawn from our account three times. However, they informed me that they had a 3 day waiting period before I could even request a review of the payments. Additionally, a supervisor informed me that it would be up to 10 business days before a refund could be issued.

Due to their mistake, my bank account was over drafted and payment to another bill " bounced '' due to a lack of funds in my account. Additionally, this has occurred over a holiday ( the XXXX of XXXX ) and thus, the waiting period is being extended by additional days. 

On XX/XX/19 I again contacted Discover to express my frustration. They again informed me that they could see the mistake, however could not issue a refund of the nearly {$9000.00} that they mistakenly took from our account until a minimum of 5 business days.

I have spoken with supervisors and contacted my lending agency, without any recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In summary I filed a claim with Comenity Bank for XXXX department store credit cards, which are XXXX, XXXX and XXXX XXXX back in XXXX stating that it was identity theft by XXXX XXXX whom was living with me in my dad 's townhome renting room she got access to my personal information and access to my account and also had mail box key. Has committed the identity theft all you after she left she stated she be moving to XXXX. My pas credit history shows that i have never opened up department store credit cards. However in less than year i think XXXX department store credit cards been open. 
Since XXXX have contacted in any form comenity bank I'm waiting for their investegation to finish and take care of these. I didn't receive any correspondence except statement coming in making me responsible for the account when i contacted them they said that since i don't more information on XXXX XXXX i have to pay for the accounts and they wont send it in writing to me. What their doing is completely illeigal. I have filed police report that up to police to find her not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2019, I tried to transfer a little part of my American Express Membership Rewards that I earned by using American Express credit cards to my XXXX XXXX  account. When I initiated the transfer online on the American Express official website, I got declined because they claimed that my points are under review. I then called the customer service number, and talked to them for over an hour, during which they transferred me back and forth among the same two or three departments. In the end, they were still not able to help me transfer this very small amount of points over to XXXX XXXX account. 

I have been a loyal American Express card user, and I earned these points by using my credit card, and I have always been paying the balance on time -- never missed once. I have not used or transferred my Membership Reward points in a very long time. And for this one time I wanted to transfer a tiny part of the points, I was refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: OH

Complaint narrative:
I want to report my ID stolen. SS XXXX DOB XX/XX/1990 I pulled my credit report and found addresses and bills that do not belong to me. someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies 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 explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I received a letter from Wells Fargo Mediation several weeks ago, I replied requesting a refund of remaining fees charged to prior accounts, opened as a result of Wells Fargo high-pressure sales tactics ... The fees totaling XXXX, are overdraft fees .To date, I have not received an official response to my request..I received an email on XXXX from an XXXX XXXX with Wells Fargo Claims in regard to my mediation submission, requesting I call her. As explained in my email reply, I currently do not have a phone, I further explained the reason for my refund request of fees and complaints filed prior with CFPB. She replied back asking me to go to a local branch to call her, I replied stating I do not have a branch near me and requested an account of fees in order to work out a resolution via email, I closed stating no refund at all is unreasonable and no reason to discuss it over the phone, she did not reply as of yet ... It appears she was not able to offer any kind of settlement, I hope I am wrong ... I emailed her back today on XXXX, to follow up.. I received a reply via CFPB today, XXXX, to prior complaint filed about issue of fees charged to prior accounts and accounting of them. The reply states Wells Fargo stands by prior decision not to refund which is unfortunate as there is currently an investigation by one ore more law firms into charging of overdraft fees by several banks, including Wells Fargo. If Wells Fargo will not work this out directly with me, I can assure them I will get some sort of refund through any settlement which arises from investigation. I am still willing to work with XXXX, I do not have a phone to call her currently, I have been without a phone for several weeks..If she can provide me a offer of settlement via email, I will gladly take it into consideration and reply ASAP.

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 2019-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
The car was over priced and then Repossess after a period of time then sold then I was left with a balance and the car wasnt even worth the price

Company response to consumer: Closed with explanation