vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-20 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: NY

Complaint narrative:
I have unrecognized hard inquiries on my credit card, which I did n't authorize. I did not give them my consent, it was not court ordered, or was not for insurance or employment purposes and it was n't a firm offer a credit. 

Hard Inquiries by these companies on these dates was not authorized : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Red Cedar Associates LLC
State: TN

Complaint narrative:
Red Cedar Associates keeps calling me on behalf of XXXX XXXX - XXXX. They call me constantly, threatening to sue and place a judgement against me. I have voice mails and they keep saying they are going to send legal documentation through a carrier and place a judgement against me. The phone number is XXXX and he claims his name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I started the Customer Assistance PlanXX/XX/XXXX Per the representative my payments of {$110.00} would start the month of XX/XX/XXXX on my due date which is the XX/XX/XXXX. All payments were made by phone on XX/XX/XXXX and clear my bank. Told by representative when clear bank even though it was another day that the payment would show on XX/XX/XXXX and not be reported late. Receive credit report dated XX/XX/XXXX showing late from XX/XX/XXXX until XX/XX/XXXX.  ALL PAYMENTS HAVE BEEN MADE ON XX/XX/XXXX BY PHONE.

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 2017-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My complaint is the consumer agencies are reporting to the credit Bureau ( TransUnion, XXXX  and XXXX ), my personal information from my consumer file, and public records showing a Banruptcy Chapter XXXX # XXXX, i want removed. that causing problems for me and my job. Under the Fair Credit Reporting Act it is unlawful and not in compliance.

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 2017-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions bank located at XXXX XXXX XXXX XXXX XXXX florida closed my account unjustly, the account was deposited 2 checks and i made the account good again with 2 deposits of XXXX, regions swiped XXXX plus XXXX and run me all over town and lied to me numerous times to retrieve XXXX dollar balance and closed the account without notice, after i was liet to numerous times and went all over town playing the run-around-game, when i asked XXXX XXXX for the original contract back as its my property when the account is closed, she said she lost it, and i asked also for the two bad checks back she lost them also, ok folks well youre being investigated now, and all ATM transactions, debit card purchases and the nice blue ink signatures of mine that you sold will all be found very soon now and there will be TROUBLE, you people think youre so slick dont ya, you not allowed to sell my signature without my consent, and youre not allowed to collect all the interest on the securities either, because it is due to me with a 3 year period i can claim the interest you XXXX ME OUT OF, plus all the charges of fraud and theft coming your way,

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 2017-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Due Date : XXXX of every month Payment Received : XXXX/XXXX/XXXX - {$73.00} XXXX/XXXX/XXXX - {$52.00} XXXX/XXXX/XXXX - Late Payment of {$15.00} assessed, reduced to {$8.00} XXXX/XXXX/XXXX - Contacted NAVIENT regarding late fee advised late fee was for month of XXXX and XXXX XXXX but could not provide clear amounts. I requested a statement showing that this outstanding balance was for late payment in XXXX and have not received anything and was told they do not need to show proof that this was for a late payment, no late payment is listed on the statement, instead the {$8.00} amount is listed under " other fees '' however on my online account shows " late fee assessed ''. The {$15.00}?? amount is not listed anywhere. The representative could not even provide me the correct amount of the late payment. 

XXXX/XXXX/XXXX - Late Payment listed on the account and advised by NAVIENT that if I feel I must complain they do not need to show proof or a breakdown or any notice of what fees are for. I was next told I probably " missed '' it on my account when I had automatic payments set up. Supervisor told me, " If it makes you feel better go and file a complaint we are not providing documentation showing the " other fees '' as late fees nor will we provide documentation with a breakdown showing the amounts of the late fees and what months they were for. Says " late fee '' was assessed by XXXX but could not show proof. 

Also now that they " waived '' part of the {$15.00} I have nothing to connect it with and no idea where they got this amount from. Late fees should not be assessed by a prior Loan Servicer 4 years after the fact. Makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XX/XX/XXXX after my mother 's XXXX on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXX and continued to the present XXXX security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, Transunion, XXXX and XXXX. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, 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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XX/XX/XXXX after my mother 's XXXX on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXX and continued to the present Equifax security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, XXXX, Equifax and XXXX. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BlueChip Financial
State: TN

Complaint narrative:
XXXX XXXX XXXX keeps calling me on behalf of Spot Loan - www.spotloan.com. They call me constantly, threatening to sue and place a judgement against me. I have voice mails and they keep saying they are going to send legal documentation through a carrier and place a judgement against me. The phone number is XXXX and he claims his name is XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: TX

Complaint narrative:
On XXXX/XXXX/XXXX, I called Transunion @ XXXX XXXX XXXX regarding them removing all of my inquiries last year between XXXX - XXXX. I advised the representative XXXX XXXX XXXX that Transunion removed all of my inquiries from my credit report and put them back without giving me a 5 day notification in the mail. The overseas representative asked me which inquiries did I want to dispute. I then advised the representative that they deleted all of my inquiries and not just some during the time they had the system issue. I gave the representative all of the inquiries in question. The representative put me on hold to check their system. The representative came back on the line and told me that I was not one of the consumers affected by their inquiry glitch and went on to tell me about how hard inquiries appear on my credit report. 

I decided to lodge a complaint, because I refuse to call them and go through that torture again!!!

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 2017-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Assured Financial Partners
State: PA

Complaint narrative:
I received a voicemail stating I needed to call back immediately. When I called back I spoke with a XXXX whom wanted all of my personal information before telling me what the call was in regards to. When I told him I did n't feel comfortable doing that, he became very hostile and disconnected the call. I called back and spoke with another representative, who was able to tell me they sent out information to a very old address but could n't tell me why they called because she did n't handle the file, XXXX did and so she transferred me back to him. XXXX then told me he was calling about a credit card I took out with XXXX back in XXXX which had a balance of {$4000.00}. I told him I never had a credit card from XXXX and he became hostile again. I told him I want something sent to me about this " debt '' so I can have an attorney look at it as it is n't mines. That made him even more upset and he proceeded to tell me they already sent me something in the mail. I told him the previous representative told me they sent something to an old address and he told him she was mistaken. I said it sounds like you do n't want to send proof of this debt and per FDCPA I am allowed to request proof of the debt. I told him the 1st credit card I received was close to XXXX and he stated " well that 's not what your credit report says ''. He stated he was no longer going to argue with me and disconnected the call. I check my credit report very often and there 's nothing on my file in regards to what he 's claiming I owe. He was very hostile especially after I explained to him the laws I knew in regards to debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion XXXX XXXX XXXX Why is an error still reporting on my credit file? I have sent over many certified letters only to have a computer investigate continuously. 

I am sending this message in regards to the error that was n't removed off my credit file. This has been a problem for months and I have contacted my lawyer about this situation. You will be receiving an affidavit to appear in court and why. I have given you enough time to fix this error and the investigation but it seems that you guys insist on keep this error on my file credit. I can name more several Sections in the FCRA that you have broken according to FCRA. I never signed up for an apartment so i am not clear to what is going on or who placed this account on my report so I 'm filing two different lawsuits on TransUnion and 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 2017-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed multiple complaints against TransUnion and XXXX regarding the following collection accounts, which I DO NOT DISPUTE. This is a bit ridiculous. I am not a credit repair company as they stated before, I am the consumer. I need these disputes REMOVED. This is preventing me from getting a mortgage. As stated previously, I do NOT dispute the below and have proof that I have a payment arrangements and/or paid these in full. 

I have even called the collection agencies directly and they report no dispute, and that a valid payment arrangement is in force. 

XXXX XXXX XXXX, represented by XXXX XXXX in Florida - original creditor XXXX XXXX XXXX. Not disputed, and have valid payment arrangements with XXXX XXXX XXXX. Accounts XXXX and XXXX. 

XXXX XXXX - original creditor XXXX. Not disputed, and have valid payment arrangement XXXX XXXX ( Multiple Accounts ) - all are paid in full

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 2017-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My complaint number XXXX was closed without giving me an opportunity to dispute Wells Fargo 's incorrect claim that my loan was not paid off until XX/XX/XXXX. Attached please find receipts that prove this claim to be false. Wells Fargo withdrew funds from my XXXX Account on XX/XX/XXXX despite the fact that this loan was paid in full on XX/XX/XXXX. The poor communication and patronizing attitude from Wells Fargo -- not to mention their delay in refunding my money -- is unprofessional and unfair to consumers.

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 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I 've had a Southwest credit card with Chase for several years now. When I opened the account I was told there would be no annual fee yet I 've just discovered that they have charged me a {$99.00} annual fee three times ( since 2015 ) without my knowledge or consent. When I contacted them after realizing this I was told that the fee for the first year was " waived '' and that they will not waive or refund the fees. This is classic bait and switch and a clear violation of UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX I called to apply for a Bank of America Merrill+ Visa credit card and was told that my application required further review. I called later that day to follow-up and see if I could speak to someone about the application and they went through all of the disclosures over the phone and said I was approved for a {$5000.00} credit limit. I asked to move over {$7000.00} from an existing credit card account to increase the new credit card limit to {$12000.00} and that request was also processed. I saw the new credit card appear in my online banking list the next day and I was told that the card would be mailed out immediately. Two days later, I get a call from Bank of America to tell me that the credit card was no longer approved and that they were closing the account. I was confused because I was told that the application was approved and was given the credit limit. The manager XXXX XXXX went on and tried to explain that the application should not have been approved because I had enough Bank of America credit cards. I offered to close one of them in exchange for leaving the new Merrill+ card intact. I had not violated any of the terms and conditions of the offer of credit or even had a chance to use the new credit card, so it 's unclear if the justification that Bank of America provided for closing the account is sound or even legal. The application reference number is : 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 2017-09-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed multiple complaints against XXXX and Equifax regarding the following collection accounts, which I DO NOT DISPUTE. This is a bit ridiculous. I am not a credit repair company as they stated before, I am the consumer. I need these disputes REMOVED. This is preventing me from getting a mortgage. As stated previously, I do NOT dispute the below and have proof that I have a payment arrangements and/or paid these in full. 

I have even called the collection agencies directly and they report no dispute, and that a valid payment arrangement is in force. 

XXXX XXXX XXXX, represented by XXXX XXXX in Florida - original creditor XXXX XXXX XXXX. Not disputed, and have valid payment arrangements with XXXX XXXX XXXX. Accounts XXXX and XXXX. 

XXXX XXXX - original creditor XXXX. Not disputed, and have valid payment arrangement XXXX XXXX ( Multiple Accounts ) - all are paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi, There is incorrect family relationship information being reported both privately ( including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in XX/XX/XXXX. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.

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