vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.

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 2019-02-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
This complaint is related to our previous complaint under # XXXX. You accepted bogus and fraudulent answer of the bank and I have to file a new complaint to provide evidence that the answer was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority
State: FL

Complaint narrative:
I have contacted kheaa on several occasions and havent gotten a response back with a copy of the original master promissory note in full, im only getting first page that i was never given a copy of. The full promissory note should be 8-10 pages or so like mine from XXXX   college. I also would like a copy of a full details of the loan amounts when they obtained them, how fees were assessed in default, any payments they recieved and how they were applied, and any correspondence they had with me once they obtained my loans in XX/XX/2015 and how they got the information for the addresses they used to notify me of my initial default and my options bc i didnt give them the address that they used for mailing those important documents and they weren't not mailed to my mom to give me even though she is listed to use as a reference to contact me, all areas codes on all the telephone numbers are entered incorrectly so i never got contacted. I feel like things were intentionally mailed to incorrect addresses so i would default. Bc my other loan servicer XXXX was able to contact me and send me mail just fine. And if i dont get an email response, alerting me to respond to this, i was unaware that a response was even sent to me until months too late on 2 previous complaints. This time ill be sure to check back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I have NO CONTRACT with this collections agency. Not only have they failed to show me proof otherwise with any documentation bearing my signature, showing the account is being reported accurately. They claimed to have send me out several letters but I have not received any letter at all bearing my signature that I have signed or any copies HIPAA authorization. I am guessing that they are unaware that an itemized document or a printout of a bill does not constitute verification. I feel as though several violations have occurred : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have an inquiry from inquiries that I believe to be incorrect on my credit report from CAPITAL ONE AUTO FIN/CAP ONE NA and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I recently received a copy of my XXXX, XXXX, and XXXX  credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
I called my mortgage company to ask for help to avoid foreclosure around XX/XX/XXXX. I spiffily asked for a modification package they advised me it was to late because my account was in foreclosure. My daughter -n- law told me on XX/XX/XXXX to print package off and send in because they can't deny a complete package. We called them on XXXX, XXXX, and XXXX trying to check status of package. My daughter-n-law sent authorization to help with me and they told her it would take 30 days to confirm written authorization. They were giving me the run around for a week and they finally spoke with her and me XXXX and said they declined the package. They said I didn't print my name on the XXXX page of financial page but my signature was on the paper. They said I didn't send XXXX form no one called to advise me of this, but we spoke with supervisor and emailed documents XXXX. They said they are not sure if they will have time to look at package I advised you have a complete package on XXXX how long will it take to review. Supervisor advised she didn't know but to callback on XXXX by XXXX. I'm doing the complaint because if she would have told me I could print package on XX/XX/XXXX we wouldn't be going through this. Also, because they say their process is 30 days to confirm authorization and most companies take 24 to 48 hours. Also no one told me I could have gave my daughter-n-law verbal position for 30 days until XXXX when she asked how to get authorization on the first conference call we have on XX/XX/XXXX. Please help in any way you can. Me and my husband are elders and my I lost over 2000.00 in income and my husband just got out of hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
In the complaint XXXX ; The part of Bank of America was closed because they said that I was not authorized to receive information about this loan. The XXXX of XXXX, I spoke by phone with the specialist XXXX XXXX and I explained to her that I had also signed the loan origination documents. They decided to send me by mail the documents of authorization that I never received. 

I am including the documents of origination of this loan to demonstrate that I also signed this loan meaning that I am authorized. I also include a letter of XXXX recognizing that I am part of this loan. I need that Bank of America review carefully this documents to they can cooperative with this complaint I request that the Bank of America send the required information to be able to solve this case. It was not fair that my case gets closed. I request that you talk with Bank of American because I have a right to receive that information, because I was the one who paid that loan and was sued by Countrywide. 

The loan is under the name of XXXX XXXX XXXX XXXX, my ex-husband and I, 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 2019-02-08 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: Carvana Group, LLC
State: IL

Complaint narrative:
I have an unauthorized inquiry from XXXX XXXX XXXX/CARVANA To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

I have tried to contact every one of the companies listed and most of them do not even have any record of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The bottom line Is Experian XXXX XXXX Advertise, if a person pays for their service then they're able to see the same Fico Score a potential Creditor would see. On or about XX/XX/19, I purchased Experian XXXX XXXX XXXX and I was able to see my FICO credit score, which I assumed was accurate. I applied for credit Based off where experience Credit works Show me My score. The potential creditor Pulled my Experian credit report and denied me the credit Because my score was not high enough When I told him I pay Experian XXXX for this information, He informed me that Experian XXXX XXXX supplies the consumers with an estimate score and provides potential Creditors with the true score Which is usually XXXX to XXXX points higher. On XX/XX/19 I called Experian XXXX and filed a formal complaint and canceled my membership. As of XX/XX/19 I have yet to hear anything from anyone at Experian XXXX XXXX. I would like To be made whole And to receive a formal apology from Experian XXXX XXXX also, They should change their advertising And let potential Purchasers of their products know the truth!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX My account was limited in XX/XX/2018 and I was advised funds will be released in 180 days. I can not withdraw funds {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: MO

Complaint narrative:
I have NO CONTRACT with this collection agency. Not only do have they failed to provide me proof otherwise with any documentation bearing my signature, showing the account is being reported accurately. They claimed to have send me out a letter but I have not received any letter at all bearing my signature or showing that I have any contract with them or any copies of HIPAA authorization. I am guessing that they are unaware that an itemized document or a printout of a bill does not constitute verification. I feel as though several violations have occurred : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX My account was limited on XX/XX/2018 with funds in it. Its been 180 days and funds is not released.Please adjust my account to withdraw funds. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
On XX/XX/XXXX I had a XXXX at XXXX XXXX XXXX XXXX. I have been making payments on this account to XXXX directly. I currently owe {$150.00} from that date according to XXXX  website. Today I was contacted by transworld systems to pay a balance from that date for that doctor of {$300.00}, which is the previous balance. They gave me a fake account number that doesnt remotely resemble any other XXXX   account number Ive seen. They tried to say it was a different debt and then they tried to say it was a balance from XXXX. I look online at the XXXX  portal and they say I owe {$150.00} from that day in question. I am livid because they are trying to extort money from me that I do not owe. I have asked them not to contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/2019 I feel I was misled by XXXX from the very start of the program. I was advised no money down, no closing cost for closing. This turned out to be not true. My loan officer nor any of XXXX staff was present during the closing. My out of pocket closing cost, totaled {$9500.00}. I questioned this with XXXX prior to closing and was advised my attorney should go over this with me. However, she went over the documents provided by CitiMortgage showing what was my final closing cost. 

Please be advised CitiMortgage and XXXX hand department together is causing a hardship for me with the repairs they are requiring be done to my home. The home is already approved according to NJ State XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, where the property is located has issued violations on the property that is required to be repaired by XX/XX/2019 in order to obtain the Permanent Certificate of Occupancy. This residence is fully rented with myself living on the second floor. 

I am requesting my SCOPE of WORK be re-vised according to the City violations and not XXXX. I was originally told the home inspection could be waived, later told that was false. XXXX rehab department that works on behalf of CitiMortgage director is not allowing me to speak with CitiMortgage directly. I was advised by XXXX XXXX the director, I will be in default of my loan with CitiMortgage although my loan is no longer being serviced by CitiMortgage. 

The staff bullied me into agreeing to repairs they mandated were needed per the home inspection which were not true. The home inspection report does not list any issues with lead in the interior of the home. This will consist of the health and safety if the issue was identified in the property. 

The staff is not credentialed that are creating the scope of work and should not have forced these obligations upon me if the home was already approved by NJ. I am attaching the entire email thread of me trying to get this matter resolve with upper management. I also have emails from the beginning of this transaction. A licensed NJ contractor have advised on multiple occasions the required work is not needed. I also have had several other contractors who refused to work with XXXX due to terrible history of working with consumers and contractors. 

Thank you in advance for reviewing this matter. Please feel free to contact me at anytime regarding this matter. I have several email trails regarding this process from the very beginning. I am having severe anxiety due to this matter and would like it resolved.

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 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have contacted CitiBank to dispute a charge on my credit card for 2 tickets sold by the merchant XXXX for a service that was not delivered as expected. CitiBank did not dispute the fact that the service was not on par with what was advertised ( a XXXX XXXX XXXX show ) but claims that it is the theater and the troupe that are responsible for the quality of the service and not the merchant. However, I did not purchase the tickets from the theater/troupe ; in fact, when I approached the box office to request a refund, I was told the theater had no record of me purchasing the tickets. Indeed, I have purchased the tickets from XXXX and the notion they don't have control over the performance has no bearing on the fact that I was not provided the service as expected. CitiBank refused to reverse the charge.

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 2019-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX or XX/XX/2019, I attempted to open a savings account with PNC Bank N.A . As part of the open account process, I was asked to make a deposit into the account from another banking institution. The deposit date was XX/XX/XXXX. When my account was approved, I received a letter welcoming me and was asked to sign a document and mail back to them, which I did on XX/XX/XXXX. 

I was then out of state for 3 weeks on business from XX/XX/XXXX to XX/XX/XXXX and was not able to access my mail. PNC did call me once during this time, but I was unable to take the call as I was busy and asked them to call me back at a later time, which they never did. 

It turns out that the account number that was entered by PNC Bank was not the correct account number ( it was missing a digit ) which resulted in the deposit being returned and PNC bank charging the new account a penalty of {$12.00}. PNC then closed the account due to the negative balance. The account was closed on XX/XX/2019. 

When I returned, I checked my mail and found a statement from the bank which I didn't understand as well as the returned check. 

On XX/XX/2019 I called PNC bank to find out what was happening and they informed me that the account had been closed due to a negative balance because the deposit was returned and that I owe them the balance of {$11.00} ( {$12.00} - {$0.00} interest on the initial {$100.00} ). I spoke to their escalation department and informed them of the situation and they told me nothing can be done because 30 days have elapsed since then and I'm now responsible for paying them {$12.00}. I was also told that the account could not be reopened and I was more than welcome to open a new account once the balance was paid in full. 

I do not think I should be liable for the {$12.00} on the basis that they did not enter the correct account number which resulted in the returned deposit. At the time that I made the initial deposit, no conditions were established as at the time, it was not known if the account would have even been approved. All conditions are provided in the welcome letter that came at a later date. 

I don't want this balance to affect my credit rating and history due to their error. 

Please Help?

Company response to consumer: Closed with monetary relief