vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-13 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: CA

Complaint narrative:
Just notified on XXXX XXXX, 2017 that the company, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ran a hard credit inquiry. 

I did not authorize it. 

I cancelled their contract over 4 years ago and have no intention of using them ever again. 

I believe they are trying to find a way to charge one of my credit accounts. 

I want that inquiry removed from my credit report 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 explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ON XX/XX/XXXX I WENT TO XXXX AND XX/XX/XXXX I WENT TO XXXX TO LOOK AT CARS. I NOW HAVE XXXX HARD INQUIRIES ON MY CREDIT REPORT. 
I HAVE BEEN TOLD BY THE CFPB THAT RELATED INQUIRIES MADE WITHIN 14 DAYS WILL COUNT AS XXXX INQUIRIES. THIS SHOULD MEAN THAT I SHOULD HAVE XXXX INQUIRIES, NOT XXXX.. THAT IS NOW LISTED ON MY CREDIT REPORTS. THIS IS UNACCEPTABLE AND PREVENTING ME FROM GETTING MY PRE-APPROVED HOME LOAN APPROVED. I HAVE A VERY LIMITED AMOUNT OF TIME TO HAVE THIS CORRECTED TO PREVENT LOSING MY HOME. 
I WOULD APPRECIATE YOUR PROMPT ATTENTION TO THIS MATTER.

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 2017-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: TX

Complaint narrative:
I 've recently pulled my credit report and noticed that there 's a collection from your agency on my report. I have never been notified of this collection. However, this does not imply that I refuse to pay the debt. Rather, I would like to dispute your claim. 

There 's two closed accounts listed on my report. One account was closed on XX/XX/XXXX and the other on XX/XX/XXXX. I 'm not aware of the information that 's being reported on my account. 

I recall getting a XXXX XXXX XXXX from you all, not long after that I was in a terrible XXXX XXXX that left my car totaled and me in the hospital ( the police report clearly indicated that this XXXX was caused by someone XXXX the XXXX XXXX, I should not be responsible for a XXXX loan. I spoke with my account manager and she agreed that I will not be responsible and that this will not appear on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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 — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
In XXXX and XXXX 2016 my bank account was hacked into a card was cloned and while in XXXX XXXX money was taken from ATMs across this XXXX XXXX area. XXXX XXXX took more than 92 days to investigate the issue in the into room since it is driven my account negative and caused widespread late payments and current bills affecting my credit they then reported me to ChexSystems even though I was a documented victim of fraud for account abuse. 

That inaccurate and irresponsible reporting of the debt owed to XXXX XXXX which was then later decided to be fraud in my favor its kept me from being able to do any normal banking.

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 2017-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My loan has been transferred intermittently and mostly during default. My loan was transferred from Countrywide to XXXX, to XXXX, to Bank of America, back to XXXX then back to Bank of America again. At one point I was not even sure who to make my payments to because the transferring of my loan was so casual and occurred often. To make matters worse, I was never even notified of the transfer of my loan until I recently did some research. I had my attorney find out that the loan is now with Bank of America because there was no information provided to me from Bank of America nor XXXX informing me of this information. I recently submitted an application for a modification, I have supplied all documentation requested of me and I am being told there is no guarantee of the trustee sale being postponed, 2 days before my sale date! I did not ask for my loan to be transferred and I have been put in this situation by the lender. There is no reason why Bank of America should not be able to postpone the sale and continue the review of my application as this is a form of dual tracking. Additionally, per HBOR laws, I was never assigned a specific point of contact, I was never reached out to and offered assistance.

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 2017-11-13 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: TX

Complaint narrative:
TransUnion has placed a fraud alert on my credit report. I contacted them, requesting removal because I am getting denied credit. They have not removed it. 
In addition, Transunion continues to add names and phones numbers which does not belong to me after I provided documentation to verify my identity, employment, and contact information. 

The XXXX XXXX XXXX has requested all loans on my credit that were with the XXXX XXXX XXXX XXXX be deleted from my credit, as my loans were all rehabilitated. Transunion has refused to remove one account claiming the XXXX XXXX XXXX XXXX did not request removal for that one 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 2017-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I received a letter from the CBE group today stating I owe {$460.00} for XXXX XXXX Account XXXX with a date of service XX/XX/XXXX. I  am contacting a Lawyer tomorrow! I read through this notice and saw on XX/XX/XXXX XXXX XXXX is saying I still owe {$97.00} after {$3400.00} has been paid! I called them and told them I paid this account in full in XX/XX/XXXX by settling with the collection agency. They then REMOVED THE COLLECTION from MY CREDIT! WHY IN THE WORLD ARE THEY NOW TELLING me I owe {$97.00}. This is not all! They send me a notice, same day stating I owe {$370.00} for account XXXX. THIS COMPANY AND XXXX XXXX HAS YET TO PROVDE ME AN ITEMIZED LIST OF WHAT I AM BEING BILLED FOR WHICH IS A VIOLATION OF FDCPA! The have an auto dialer call me with an automated person speaking! I can never speak to anyone! They have time and time again ruin my credit! They place accounts in collections and then after months of fighting to prove them wrong, the accounts are removed. But my CREDIT is already impacted! I have a higher rate on my loans due to their erroneous credit reporting! This is still not all! XXXX also has account XXXX, this is for my Son. I have issued TWO CFPB complaints XXXX, XXXX where XXXX has FAILED TO ISSUE ME WITH AN Itemized list of the charges! Someone really needs to look into the charges for XXXX account XXXX and XXXX!!! There is medical billing fraud with these two accounts. There is also violation of FDCPA and TCPA as well as UDAAP. The department of Justice needs to investigate XXXX XXXX, XXXX XXXX and The CBE Group! I have spent countless hours asking for a list of all charges and disputing the amounts owed and no-one is doing one thing! All they do is call 20 times a day, they are rude and threating! My Husband gets harassing calls every day for account ending XXXX! Again along with ago XXXX, I HAVE PAID FOR THE ACCURATE AMOUNTS OWED! I am being charged for items that I DO NOT OWE!!!! This is being proven by their content lack of ability to provide me a line by line list OF ALL CHARGE! It is really said I am being abused like this! I have XXXX XXXX who NEVER answered my request! They sold the account to XXXX who then sold the accounts to The CBE group! I think they look for Women to take advantage of! I really do!!!! They threaten my Credit when I ask for the itemized list! Again FCDPA violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XXXX XXXX a family member discovered that the home located at XXXX XXXX in XXXX, NC was not longer there. Through research I discovered that the city demolished the resident, but I was never notified. However Navy Federal Credit union was notified and never informed me. A employee at Navy Federal signed the return receipt and provided it back to the city, because I was never notified and did n't know problems existed, the property was demolished. The home was demolished at the beginning of 2017.  After discovering this has taken place I spoke to the city inspector and after he looked further into the case that 's when I found out that Navy Federal was made aware and I was provided with a tracking number for the letter that was mailed to them. After discovering this I contacted XXXX XXXX and Navy Federal and told him everything that I have stated and I was told that I still owe the unpaid balance for the property even though it no longer exist and Navy Federal knew the property was going to be demolished and never told me. I also spoke to XXXX a supervisor and I was told the something. 

Additional information : Navy Federal charged this loan off, but is still showing that I own the property and states that I 'm still responsible for the unpaid loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: CA

Complaint narrative:
Just notified on XXXX XXXX, 2017 that the company, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ran a hard credit inquiry. 

I did not authorize it. 

I cancelled their contract over 4 years ago and have no intention of using them ever again. 

I believe they are trying to find a way to charge one of my credit accounts. 

I want that inquiry removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Just notified on XXXX XXXX, 2017 that the company, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ran a hard credit inquiry. 

I did not authorize it. 

I cancelled their contract over 4 years ago and have no intention of using them ever again. 

I believe they are trying to find a way to charge one of my credit accounts. 

I want that inquiry removed from my credit report 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 explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I would like to dispute the collections account from CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX XXXX ) This account was created as fraud, and should be removed from my account. I have no idea what this is and

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, my dental insurance provider concluded that my previous Dentist, XXXX XXXX XXXXXXXX XXXX was liable for the defective work performed on my XXXX. XXXX XXXX issued me a credit card ( via XXXX XXXX XXXX ) to pay for this XXXX. For months, XXXX XXXX XXXX refused to accept responsibility ; even though my current Dentist and my insurance provider, found them responsible. They ordered XXXX XXXX XXXX to refund me to full amount of my co-pay. 
On XX/XX/XXXX, I received a check from XXXX XXXX for {$400.00} and yet, they are still sending me collection notices and sent this statement to collections. I have received many phone calls to pay the balance of a dental procedure that my own insurance informed me that I was liable for. To date, I paid {$780.00} towards a defective XXXX. I am still owed {$370.00} for the remaining balance I paid for my co-pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One closed my account out of no where, and it is been almost 6 months and they are still holding my funds, they told me there might be charge back on your account so they will hold my funds and wants to know who send me money which I dont think it is their business, it is been 6 months they been holding it and not one charge back on my account, I want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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:
XXXX XXXX XXXX .... and XXXX XXXX are fraudulent accounts reporting on my Experian CREDIT REPORT.I have never at any time ordered anything from either company.Either someone used my information or it is an error of the creditor.They both accounts should be immediately removed from my credit report. 
XXXX XXXX XXXXXXXX XXXX .... is a paid in full account.The current description as a chargeoff/collection is inaccurate and either should be corrected or preferably remove 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 non-monetary relief
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I fell behind on my mortgage after my business income fell. I applied for assistance with Wells Fargo Home Mortgage and hired an attorney to help me with the paperwork. Wells Fargo Home Mortgage put my loan into the re entry team. This departments sole purpose is to evade reviewing borrowers for assistance. According to my attorney this department and almost everything they do is in violation of RESPA Regulation X. My last submission was onXX/XX/XXXX. Since then Wells Fargo has been telling me my loan is under review. It is n't like I just faxed in partial paperwork on my own. I hired a professional real estate attorney who has a full time loan officer and underwriter on staff who put together my financial application packet for me and submitted it fully complete. Since then Wells Fargo has been picking apart my taxes and profit and loss for my business.. Today I was told I was denied due to the fact that underwriting does not " believe '' I no longer have expenses that were shown on previous tax returns. I have cut these expenses due to my decreasing income and I do the work now myself so I no longer have those expenses. My attorney says they have never heard of any underwriter coming up with this excuse to turn down a file. In addition, today I received a Notice of Default. According to my attorney Wells Fargo is not allowed to " Dual Track '' while I am under review. My attorney called Wells Fargo today and they told my attorney that my  loan does not go under review when it is with the " re entry '' team. My attorney advised Wells Fargo this is in violation of RESPA Regulation X. Wells Fargo can not " Evade '' review by putting my loan into the " re entry '' department. The latest date my loan was confirmed complete and under review was on XX/XX/XXXX.  Today Wells Fargo says the loan modification was denied on XX/XX/XXXX. The borrower per RESPA Regulation X has 30 days to appeal this denial without facing foreclosure. However, Wells Fargo recorded a Notice of Default on XX/XX/XXXX and taped it to my door today. My attorney called Wells Fargo to advise them they can not dual track a foreclosure because we are still in the appeal period. Wells Fargo says they did not put my file under review ( evading ) because when it is with their re-entry team it does n't have to go under review.

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 2017-11-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have HELOC and a checking account with TD Bank for past 8 years. I have been paying on time via online banking schedule. In XXXX of 2017, for some reasons, TD bank received online banking check on XXXX, which was the due date, but TD bank decided to draw money from my checking account leaving balance in RED. When I called the bank, they looked everything and said you have been paying ontime and recommended to pay one or two days early so if there is a delay, it can be accommodated. So I changed my payments to 3 days in advance. 

For next three months everything was fine. In XXXX, TD Bank received the check on XXXX but their system decided to charge me again on XXXX leaving my checking in RED. So I called them. This time, I was told that 8 years ago I signed a paper and allowed TD to have direct deposit. When I argued that if I am paying in advance should bank be doing that. Customer support agree but could not move my money back to checking account. So I spoke with their supervisor and demanded to send me papers that shows if customer is paying in advance, TD is still authorized to have direct deposit. I was assured that I will receive these papers. I have NEVER received these papers. Meanwhile they continue to charge me illegal overdraft fee, maintenance fee etc. So I went to their branch in XXXX. After several days, I was told that I am responsible for the mistakes of their system. I do not mind paying fee if it is my fault. But it is banks fault and they are accepting mistake but refusing to waive illegal fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/XXXX I purchased a {$500.00} prepaid card at XXXX. Upon trying to use the card, it did not work. When I called the issuing company, it turns out that the card were used at stores and cities I have never been to. I filed a complaint with the company on XXXX XXXX and sent in the dispute paperwork on XXXX XXXX. Since then the company has refused to give me any update on the statuses of the card and they insist that they have up to 90 days to investigate the matter and return the funds to my card.

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 2017-11-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX keeps changing the status of this account on my credit reports. First they were reporting that this account was included in a bankruptcy ( which I never filed for ). I immediately disputed that information and the bakruptcy was removed. Then the account was showing as a XXXX balance now this month it is reporting from XXXX balance to a balance of {XXXX}. This information is incorrect. XXXX has finally removed this account off my report. Transunion just changed my report adding this balance from XXXX to XXXX which caused my credit score to go way down. This account has been agreed upon to remove off my credit reports. Every month it keeps changing and XXXX XXXX XXXX XXXX XXXX keeps adding additional information in the comments which is affecting my credit score in a negative way. How can a previous month report as a XXXX balance then this month report a balance of {$6600.00}. This was finally corrected and now were back to square one. I spoke with XXXX XXXX XXXX months ago and this problem was rectified now it 's reporting as I missed a payment that is 30 60 90 days late. This is crazy and I am submitting this complaint about XXXX XXXX XXXXXXXX XXXX/transunio/XXXX about reporting false information and not fixing 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