vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I secured an auto installment loan to finance a used car at the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL ). 
Upon checking my FICO credit scores shortly thereafter, I was surprised to find that they had plummeted - from XXXX to XXXX. The only credit score factor that led to this drop was the number of hard inquiries, reported to be 5. 
I am concerned about these 5 reported hard inquiries for several reasons, chief among them that ( 1 ) when trying to secure a loan such as an auto loan there is usually a short window of time within which all hard inquiries are counted as a single inquiry, thereby minimizing credit score impact, ( 2 ) I did not authorize this many inquiries, and ( 3 ) I am naturally wary of potential identity theft.

How could it be, I ask, that a relatively good consumer like me see her excellent credit scores plummet virtually overnight by simply seeking an auto installment loan? 
It is my sincere wish that the CFPB assist me in unraveling this perplexing matter. 
Thank you, respectfully.

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 2018-09-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I secured an auto installment loan to finance a used car at the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL ). 
Upon checking my FICO credit scores shortly thereafter, I was surprised to find that they had plummeted - from XXXX to XXXX. The only credit score factor that led to this drop was the number of hard inquiries, reported to be 5. 
I am concerned about these 5 reported hard inquiries for several reasons, chief among them that ( 1 ) when trying to secure a loan such as an auto loan there is usually a short window of time within which all hard inquiries are counted as a single inquiry, thereby minimizing credit score impact, ( 2 ) I did not authorize this many inquiries, and ( 3 ) I am naturally wary of potential identity theft.

How could it be, I ask, that a relatively good consumer like me see her excellent credit scores plummet virtually overnight by simply seeking an auto installment loan? 
It is my sincere wish that the CFPB assist me in unraveling this perplexing matter. 
Thank you, respectfully.

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 2018-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I apply for a credit card with capital one I have excellent credit and my credit score is almost 800 And I have sufficient income to apply for the credit card. for some unknown reason they declined my application I believe that my application was denied because of my race and national origin since there were no other reason given for my denial thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I dismiss ownership of this debt. The creditor even went as for as sending a picture along with my academic records to a debt collector ( separate cause for action ) alleging a sum that I do not owe. Debt collector in turn has been trying to collect on said debt to the point where after I successfully had the account in question removed from my credit, Conserve immediately re-entered it on my credit in a duplicated form which logically means that an account will be showing up as six ( 6 ) collections across the 3 credit reference agencies. This bullying tactic is contrary to the law and shall not be left unchallenged. Conserve ought to delete these derogatory accounts as a matter of urgency and return this disputed account to the creditor for this matter to be resolved. 

The documents submitted are at best inaccurate and at worse, fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I disputed a past due amount on my credit report for the XXXX XXXX  company. I disputed in XX/XX/2018, and I sent additional proof to Transunion in XX/XX/XXXX and XX/XX/2018. I also called and spoke with representatives of Transunion, and provided proof that one of the other credit reporting agencies removed the account of their report for me, due to the error. Transunion has not followed through and have failed to properly investigate and remove/correct the Account due to the error. I have also made a screen shot of Transunion 's own payment history for me on this account, keeping the past due balance the same. At this time, the account is paid off, and the past due amount was in fact paid when the first dispute was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: PA

Complaint narrative:
A situation has come to my attention, that need to be correct.

( 1 ) This problem is with trans Union, I paid off my mortgage and my score went down, ( 2 ) I paid off my credit card, my score went down, they have me for account that I do not know where they are coming from, I try to explain there mistake to know satisfaction Trans union is more interested in people to pay a fee for credit monitoring, that way they will increase your credit score, but I will not do that, that form of bulling, This is a serious problem with Trans Union credit reporting, they are trying to get you to pay for service that you do not need. eg. trans union do not make it easy to get a free report, you get a lot of surmountable obstacle before this could happen, they always pushing for you to purchase.

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 2018-09-03 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: NY

Complaint narrative:
I have requested documentation from XXXX XXXX to check to make sure all that is reporting is correct. You are also reporting inaccurate balance on the account this account has been paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have requested documentation from XXXX XXXX to check to make sure all that is reporting is correct. You are also reporting inaccurate balance on the account this account has been paid off.

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 2018-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Received notification from XXXX XXXX on XX/XX/XXXX that a collection account was posted to my credit report. Credit report indicates collection account from Portfolio Recovery Associates. Never received any notification by mail of this account or this action. Had no opportunity to verify or dispute alleged debt. Repeated harassing calls from rotating numbers several times a day for months no messages ever received. Research on my part indicate the numbers are Portfolio Recovery Associates. Still unclear where debt originated or what the account is. Portfolio Recovery Associates reported to credit bureaus age of debt is reported as 4 years 10 months showing was opened in XX/XX/XXXX. We had filed bankruptcy XX/XX/XXXX. I believe from research we can not be sued but it shows up as a collection account. Under Texas Debt collection act it is past statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 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: OpenRoad Lending
State: SC

Complaint narrative:
Open road lending states that on XX/XX/2018 I applied for a loan which I never did. There are hard inquiries on my credit reports XXXX XXXX, XXXX  and XXXX. I called open road lending and they stated, there was an application on file but, wouldn't give me any information about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent in numerous letters to experian to try to resolve a situation. I have on my credit report XXXX XXXX account. I have sent in letters requesting an investigation into this matter I don't believe an actual investigation was done since they keep reporting inaccurate balance amount. I have also contacted XXXX XXXX I haven't either gotten proper documentation that what they are reporting is accurate. This is inaccurate data.

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 2018-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In 2017, I had vandalism at my property and my siding needed to be replaced. I contacted THREE companies and put the project out for bid. Sears ( the company in this dispute ) sent a representative and gave a great presentation. As I sat at my dining room table, I told the rep that this was 100 % insurance. It was clearly a vandalism / insurance / police matter. I also was very clear that I have around an 800+ credit rating. I do NOT carry balances on Credit Cards and I do NOT use store credit cards ( only big banks ). I did not want to sign up for any " CREDIT ''. I also wanted to wait and hear the bids from the other two companies. For the next 15 minutes - I signed my name about 30 times on so many  documents. Again, very clear that this was a project OUT FOR BID for an insurance transaction. 

The next week - I got a call that a crew was on it's way to my home and I received a credit card statement. After many calls, I was told that I opened a credit card for nearly {$30000.00} with Sears and they had my signature. This was also the same day that I signed an agreement with another company ( who did NOT require me to open a credit card and dealt directly with my insurance company - they were also thousands less and used the same product ). 

Month after month I was told " well, you signed it '' and bills kept coming in. There was a fee for " work already performed '' which they called a survey. NO ONE was at my home for this. I fought this on principle and would not pay this bank. Further research showed that this is a pretty regular practice for this company. There are complaints at the XXXX and the FTC. I also read reviews on the websites for home repair and I am not the only one that experienced this practice. 

I am VERY disappointed that a company that WAS reputable at one point in time has challenged one of their former loyal customers over a few hundred dollars after being deceived at my own dining room table - IN MY HOME. Very upset. 

I will fight this until it is made right.

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 2018-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My checking and savings account was closed by CapitalOne 360. The relationship has ended and I had been calling to find out why and where my funds were. I place a recent report with CFPB and I received action only after I made the report. Funds from my saving account were returned to me by check, however, the funds in my checking account are still in the account. My fiance used my account to receive funds not realizing that that was not permitted. I have be requesting that the funds be returned to the remitter, since I am not allowed access and it has not been done yet. In fact, Capital One 360 has been removing small amounts of the money from the account. The amount was {$500.00} today it is {$380.00}. I received a letter dated XX/XX/2018, stating the money would be returned but as of today XX/XX/2018, they have not. I have left several messages for the person named on the letter, to no avail. Could someone please instruct Capital One 360 to return this money to the depositor as they stated they would? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I made a transfer of {$1200.00} from my PayPal account to my checking account on XX/XX/18. On XX/XX/18 I was notified that the transfer never went through because my bank account ( that I use every day ) was closed. Since there is no reasoning with idiots in XXXX, I reset two bank accounts with PayPal and made the transfer again on XX/XX/XXXX. Again the transfer never went through. Their answer was, wait 24 hours. After 24 hours, when the transfer did not go through again, their answer was, wait 24 more hours. On the third day when the transfer did not go through, I demanded to speak with a supervisor, who in broken English told me to " wait 24 hours ''. After that, I scoured the internet for telephone numbers of PayPal offices in the USA and found a list. Most numbers were  disconnected but some were still executives of PayPal, who never returned any of my messages. Since then, I have tried & tried & tried to contact someone with Paypal who has a brain, but unfortunatly, there is no one there. On XX/XX/XXXX and XX/XX/XXXX I received a few emails telling me to wait 24 hours and another saying my bank account is closed. At this point I have cancelled further listings with XXXX, for fear that additional monies may go into my PayPal account. I simply don't know where to go from here!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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:
XXXX XXXX XXXX opened two different accounts in my name so far. These Accounts are fraudulent and I did not authorize these accounts to be opened. They then continue to attempt every month to send these accounts with new numbers to Equifax, XXXX and XXXX. Both XXXX and XXXX have confirmed they will keep these accounts permanently blocked. I already notified XXXX several months ago that i am a victim of identity theft. My information was used to open an account at conns. My wallet was stolen and my Drivers license, Social Security card and even my email addresses were hacked. I have already notified local law enforcement of this information and have provided XXXX XXXX XXXX with my Identity Theft Affidavit from the FTC. XXXXXXXX XXXX XXXXXXXX XXXX continues to try and bill me for this fraudulent account and instead keeps reopening this fraudulent account with different account numbers so they can re apply it to my credit and damage my credit. I did not authorize this account. The account that made payments to it was from a " XXXX XXXX '' I am not related to XXXX XXXX and do not know a XXXX XXXX this account is fraudulent and I did not authorize it. Additionally the other accounts that Conns advised me made payments were also fraudulent and have been reported to the companies. XXXX XXXX has already been notified of my identity theft and they have marked the checking account as fraudulent. It has been closed and removed from my consumer report. Please do your proper due dilliegence when someone reports Identity theft to you. I have a right under the FCRA to notify the furnisher of the information that it is fraudulent. I am requesting you block this information and stop re applying it. I do not have your merchandise, I never lived at XXXX XXXX XXXX XXXX, TX XXXX and I never lived at XXXX XXXX XXXX XXXX, TX XXXX. My mail has been forwarded and just recently corrected. As stated this is my notice to you that i am a victim of identity theft. I do not have your merchandise, and I did not authorize any accounts to be opened with your company. I am providing a Identity theft affidavit attached. Please review and stop attempting to try and throw this back on my Equifax report. This is abuse to create new account numbers continuously and report 160 day late payments that I never even knew about nor ever received any bills because once again i never authorized this account. Please remove all my liability to this account it is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
Exeter finance states that on XX/XX/2017 I applied for a loan which I never did. There are hard inquiries on my credit reports with XXXX XXXX, XXXX  and XXXX. I called Exeter finance and they stated there were no accounts under my name and they wouldn't take this fraudulent hard inquirie information off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: MI

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance: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 2018-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Received no written notification of this debt. Don't know what this debt is. 

Repeated harassing calls from rotating numbers several times a day to myself for months no messages ever received. Research on my part indicates it is Portfolio Recovery Associates. Still unclear where debt originated. Portfolio Recovery Associates reported to credit bureaus age of debt is reported as 4 years 10 months showing was opened in XXXX XXXX, XXXX. We had filed bankruptcy XX/XX/XXXX. I believe from research we can not be sued but it shows up as a collection account. Under Texas Debt collection act it is past statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX,,, And 2 Months Ago Had Unauthorized Transactions On My Debit Card,, Had To Be Issued New Bank Card,, Was Never Sent A Letter To describe What Really,, Happened,, So UnAcceptable,,, And, XXXX Someone Enroll Me Into The Identity Theft Program Without Me Even Authorizing This,,, And,, XXXX,,, Charge Me Overdraft Fees,, Who Is Responsible For This,,, I'm So Disappointed With 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 2018-09-03 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Ally finances states that on XX/XX/2017 I applied for a loan which I never did. There are hard inquiries on my credit reports XXXX XXXX, XXXX   and XXXX. I called ally finances and they stated there were no accounts under my name on file, and they wouldn't take this fraudulent information off my credit reports with XXXX XXXX, XXXX and 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