vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This complaint is based on my attempt to obtain a conventional home mortgage loan from OneWest Bank, a division of CIT Bank. The loan officer pre-approved me for the required mortgage amount upon submission of relevant financial documentation. I also electronically signed and acknowledged the CIT Privacy Policy. A copy of the same is included herewith. As stated in the privacy policy, CIT does not share personal information with third party non-affiliates. When the mortgage application was sent over for underwriting, I received an additional credit authorization form. A copy of the same is also included herewith. The new credit authorization form requires the applicant to authorize release of personal information to any third party non-affiliate the bank chooses to do so. I was told I can not restrict sharing this information or decline accepting this condition. Based on talking to my legal counsel, it appears this indirect attempt by CIT Bank to force customers to authorize disclosure of personal information to third party non-affiliates may be illegal. I was urged to report this matter to the CFPB for further investigation. Considering the second authorization was disclosed only after the application goes into underwriting, most applicants may in the interest of time provide their consent. I value my privacy and protection of my personal identifiable information. Had to find an alternate lender who never required me to provide a similar third party disclosure consent. My closing was delayed by over two weeks and the sellers insisted I pay for the holding costs resulting from the delay. Would never have proceeded with the CIT Bank mortgage application if they had disclosed the second credit authorization form along with the original privacy policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: TX

Complaint narrative:
I discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX following phone numbers do not belong to me and are a result of fraud : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX XXXX I have attached a copy of my current lease agreement showing where I live which shows that I moved in XX/XX/XXXXand signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.

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 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank
State: GA

Complaint narrative:
XXXX/XXXX/XXXX Dear CFPB : My Name is XXXX XXXX I am following up with my complaint to Case # XXXX XXXX. I would like to explain why I am dissatisfied with the results before the case was closed. Although the representative of XXXX XXXX XXXX XXXXXXXX Synovus Bank XXXX XXXX XXXX did state in her correspondence that there would be some compensation of a refund to me of {$36.00} for one overdraft fee, I have not received any refund from the Merchant to date. In my complaint the fees of {$320.00} were not justified by Overdraft Privilege Standard Program as stated by XXXX XXXX. These fees are excessive and violates the UDAAP. Year to date I had been charged XXXX. Please see the back side of the XX/XX/XXXX statement. Please also notice on the XX/XX/XXXXstatement it is an Employee Checking and on the XX/XX/XXXX statement it was changed to an Access Checking. I did not notice anywhere on any of the copies, front or back that there was a mention of Overdraft Privilege Standard Program as implied by XXXX XXXX XXXX. Instead it says to call and ask about overdraft options available. Since there was no remedy to date and the bank has been willfully non-compliant, I reopened this complaint. My checking account has been closed since XXXX and sold to a collection agency. I checked my credit report and this debt from XXXX XXXX XXXX XXXX Synovus Bank has been added to my credit report since XX/XX/XXXX stating I owe {$340.00}. I am also disputing this amount as I had made a deposit of {$10.00} to my account two days before it was closed by the Merchant. XXXX XXXX XXXXXXXX XXXX Synovus took unreasonable advantage of me by taking funds I had deposited into my account for purchases I made and debiting my account interfering with my understanding of my debit card usage. Each time I added money it was not reflected in my account and when I asked for all transactions and or purchases to be declined if the funds were unavailable to clear, this option was not accessible to me. I was assessed a fee on top of a fee which did cause substantial injury to me. The substantial injury I am referring to is : 1. Checking account closure.
2. Being reported as delinquent to check systems.
3. Being harassed by a collection agency.
4. Reporting to all three credit bureaus for seven years and still showing if paid.
5. Decreasing my fico scores ; preventing me from purchasing a home until paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX/XXXX/2017 I went to a Chase ATM to deposit {$2000.00} in cash. The ATM ate/took my deposit and broke down on my transaction and did not give me my money back ( I have a receipt proving the ATM broke on my transaction as well ). I immediately called Chase and told them about the issue. Chase opened a claim and after a month of investigating they decided to only give me back {$430.00} from the {$2000.00} deposited. That means they took {$1500.00} and refuse to give it back. I was assigned to speak with XXXX at the Executive office, the phone number is XXXX extension XXXX ( XXXX XXXX. XXXX was very unhelpful and did not follow up with me once. It seemed like she was just waiting to close the case without properly investigating the issue. I would appreciate assistance in recovering my lost {$1500.00}. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-03 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Credit card to XXXX XXXX that was defaulted on in XXXX XXXX 2010 and they charged it off. Midlund funding bought it and keeps reporting it as new debt when it is not and it is negatively impacting my credit score. I have went through XXXX XXXX several times to dispute it to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The following phone numbers do not belong to me and are a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX . I have attached a copy of my current lease agreement showing where I live which shows that I moved inXX/XX/XXXX and signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: TX

Complaint narrative:
I discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. 
Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The following phone numbers do not belong to me and are a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX . I have attached a copy of my current lease agreement showing where I live which shows that I moved in XX/XX/XXXX and signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.

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 2017-07-03 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Company ran my credit report with out authorization on XXXX XXXX and XXXX XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACS Education Services
State: VA

Complaint narrative:
ACS, has been posted inaccurate information. I have reached out them many times with no luck. They will not correct the harmful information. I 've never been late but it being reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: FL

Complaint narrative:
Since XXXX 2010 XXXX XXXX XXXX have been trying to collect an alleged {$1400.00} credit card debt from me. They have threatened me w/ a lawsuit to collect the debt without serving me at my residential address. They have obtained a default judgement because I not present at trial and I was not aware of the lawsuit against me. I disputed their debt and asked for verification bearing proof of my signature. They have failed. They sent a list of credit card statements instead. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>Till this day they continue to report derogatory information on all 3 of my credit reports listing charge off 's every month for the last 7 years damaging my credit worthiness. Given that XXXX XXXX XXXX acted in bad faith, and have not complied with federal and state laws, I told them I would file a small claims lawsuit to seek damages in violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) 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 2017-07-03 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my ChexSystems and XXXX XXXX XXXX report is a result of fraud. I did not even live at the addresses that were given to ChexSystems or XXXX XXXX XXXX. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with 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 2017-07-03 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Company ran my credit report with out authorization on XXXX XXXX and XXXX XXXX 2016.

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 2017-07-03 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Company ran my credit report with out authorization on XXXX XXXX and XXXX XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovis
State: CA

Complaint narrative:
Loan Agent from XXXX XXXX XXXX XXXX verbally told me he would not inquire into my credit report, and, his inquiry would not result in an " inquiry '' on my credit report. After it did, the inquiry company CBCINNOVIS told me to send an email from XXXX XXXX that the inquiry was made in error. <P/>I sent CBCINNOVIS an Email per their instruction on XX/XX/XXXX. On XX/XX/XXXX, the inquiry was not removed. I spoke to CBCINNOVIS who basically gave me several more excuses and told me they did n't receive the email. I told the supervisor, XXXX, that I wanted his email and a confirmation that he has received it. His only offer was for me to re-send the email to their company email address and begin the entire process over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my XXXX and Early Warning Services report is a result of fraud. I did not even live at the addresses that were given to XXXX or Early Warning Services. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: First Data Corporation
State: TX

Complaint narrative:
I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my XXXX and XXXX XXXX XXXX report is a result of fraud. I did not even live at the addresses that were given to XXXX or XXXX XXXX XXXX. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I lost my home back in XXXX to foreclosure after being underemployed. I worked very hard to receive assistance with a loan modification through Wells Fargo Home Mortgage and I was unsuccessful. I gave them every piece of paperwork they requested and still received no help. I now have a {$120000.00} balance on my credit report. I do n't feel I was given a fair chance to catch up payments/loan modification which resulted in me loosing my very first house ( purchased in 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 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
On XXXX/2017, y applied for a cashforward barclaycard credit card, 0 % interest in 15 cycles, on purchases or transfer balances, but they are charging interest right now. On XX/XX/XXXX they charged {$39.00}, on XX/XX/XXXX {$40.00}, XX/XX/XXXX {$23.00}, XX/XX/XXXX and XX/XX/XXXX they did n't charge nothing. Before I start using a credit card, i call to the credit company to make sure they are giving to me what they offer. They said 0 % on purchases or balance transfers on15 months. Is the first time I have a problem with a credit 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 explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Prince Parker & Associates
State: TX

Complaint narrative:
I called the collection agency Prince Parker associates located in NC regarding my bill of {$900.00} from XXXX XXXX XXXX XXXX XXXX. I tried to come to a compromise with them on how to address the debt and that I can afford to pay $ XXXX monthly until it 's paid off. The collection agency refused and insisted on collecting $ XXXX monthly. They said that the account will be reported and wo n't work with what I can afford. I told them that I no longer have a full time job and that I would like this account to be resolved before it gets reported to credit bureaus. The lady refused to work with what I can afford.

Company response to consumer: Closed with explanation