vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 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: GA

Complaint narrative:
XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This item was return XX/XX/2016 and the company have been reporting recent late payments on my account XXXX My student loan are in deferment and is being reported late

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 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Dispute reference XXXX filed in a timely manner with the banking institution, on XX/XX/2018 a PNC Debit Card Transaction Form was completed and faxed, along with a detailed page listing a documentation/illustration of what should have been received. A scanned copy of the documents provided to PNC have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was having issues making my auto loan payment using my XXXX XXXX XXXX mobile application, so I called in to XXXX customer service department to make my payment. I was NOT charged a late fee and was also told by the representative that this would not be reported negatively to the credit bureaus. If I had any issues to call back so they can correct THEIR error. Well then I was reported for a late payement on my auto loan which caused my credit score to drop over 70 points, for something that was not my issue. I talked to a supervisor at the credit union and he recommended that I dispute the error with the credit bureaus. So I filed a dispute with XXXX and Equifax. Well after 30 days XXXX has removed the late payment and negative mark from my credit report. But Equifax is showing that the investigation is closed and they are not making any changes to the negative remarks. I don't understand how one bureau will recognize the banks error and correct it and the other bureau will not.. PLEASE HELP. That impact on my credit score is affecting my family 's life and future. On something that was at no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-05-24 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: CA

Complaint narrative:
Last XX/XX/XXXX, I sent a request to TRANSUNION to investigate on account XXXX. It's been more than 30 days now and I have not received any proper debt validation documents from the original creditor. Moreover, After more than 30 days, what XXXX did is add another account to my credit report, reporting that the account was opened/sold to them last XX/XX/XXXX with a balance of {$290.00}. Both the newly added account and account XXXX seems to be OUT OF STATUTE and had been inserted on my credit report after the statute of limitations expired. I understand that they can report accounts for seven years, but it is a violation to report/insert an account after the statute of limitations. Furthermore, more than 30 days have passed and the XXXX was not able to provide proper debt validation documents to prove the validity of these items. Both XXXX ad TRANSUNION definitely violated FCRA and FDCPA. This is my last resort before I get a legal counsel involve.

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 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Almost 3 weeks ago I noticed that there was a mobile deposit that went into my account that was not authorized. I never made any type of mobile deposit. The amount was for a little over {$1400.00}. I noticed the deposit was made because I logged into my mobile bank account app. A few minutes later when I went to check the app again I realized that I was locked out of my account. I immediately called TD Bank and they informed me that the mobile deposit was made and I tried to explain to them that I never authorized the deposit and that someone hacked into my mobile app and had my username and password info. The same people who hacked into my account also ended up withdrawing funds into the thousands of dollars. Finally TD Bank shut my account down, but did not close it. The account could not be closed because I was so in the negative from all of the charges that were made. To make matters worse, this TD account was linked to my direct deposit from work so my direct deposit from work went to cover all the illegal charges that were not authorized to cover for the negative balance. I worked an entire 2 weeks at work and never saw that paycheck. I have been able to delete this card from direct deposit at work and just do a pay card but this entire situation has been a nightmare. TD Bank has been incredibly unhelpful in this entire ordeal and it has been extrememly stressful to deal with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Home Loan Center, Inc.
State: PA

Complaint narrative:
This company contacted me about a loan said they worked for XXXX XXXX I gave him my information and was told the money would be in my account his name is XXXX XXXX and his number is XXXX I changed my password and notified my bank but they may have gotten other people

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: CA

Complaint narrative:
Dear XXXX, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX/XXXX  XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX I uploaded three checks on my American Express Serve account and money was deposited and all of sudden reversed spoke with the company and they would direct me to XXXX XXXX and XXXX XXXX would direct me back to American Express, the management of American Express Serve said they have never seen a situation like this before and never credited me my money back, and another issue I have money that was sent from one Serve Card to this same account and American Express claims I never accepted money and therefore I can't have XXXX dollars. I am so tired of calling them and getting nowhere XXXX XXXX services as well they almost seem fraudulent and I very saddened they will not give not even a penny of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: MN

Complaint narrative:
Hello. on XX/XX/XXXX I purchased 6 used computer Graphic cards in the total amount of {$1900.00} with my Citi credit card but when I received my cards I found one of them had a physical damage, I immediately contacted the seller, and she mentioned that they don't have a problem and offered me a {$100.00} refund, I trusted her and accepted the offer, after that I decided to check all of them and realized that none of them had out put signal, then I sent a message to the seller and wanted to return them but she didn't accept my request, I also took the graphic cards to a licensed computer shop and was told that their bios have been destroyed, therefore on XX/XX/XXXX I disputed the amount with Citi but they never resolved the problem, and the decision was in the Merchant 's favor without a reason.

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 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Guglielmo and Associates
State: NV

Complaint narrative:
I found out that an original debt from a credit card in the amount of {$1700.00} has been placed as a lien on my home for {$2600.00}. They have issued wage garnishments and bank garnishments on EXEMPT FUNDS. GUGLIELMO & ASSOC. Has bullied me, harassed me, has used corrupt methods to take any money at all from me, a senior citizen, and needs to be stopped. They need to remove the lien on my home which is less than {$550000.00}, they CAN NOT garnish my wages as I only make {$140.00} every TWO WEEKS and they attempted to garnish my bank account to collect my only income of social security WHICH IS EXEMPT. THIS company needs to remove ALL LIENS AND GARNISHMENTS ATTACHED TO ME. THIS IS ELDER ABUSE AND I AM TIRED OF IT. I am in the process of completing my payment to GUGLIELMO on an agreed balance. IN THE MEANTIME they have NO RIGHT TO PLACE A LIEN ON MY HOME FOR THEIR AMOUT OF {$2600.00} which include INTERST THEY ARE CHARGING ME. ELDER ABUSE AT ITS BEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX a lady named XXXX XXXX employed by Direct Management called my cell phone for collection of a debt that I have repeatedly reported as not owed. I had no balance due on my dental account when I changed dental facilities. On XX/XX/XXXX, she proceeded to recite my confidential dental records and threatened to forward them to my coworkers. She also threatened legal action. She is very harassing and intent that this is a valid debt. I have repeatedly asked for her not to contact me again as she is rude, pushy, and down right insulting in the manner of which she speaks with people. The debt she is attempting to collect is less than {$500.00}, our house hold income is nearly {$200000.00} per year so the ability to pay is not in question. It is a debt I do not owe. I have reported her HIPPA violations separately as she should not have access to my confidential medical records nor should she threaten to expose them to my coworkers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: MI

Complaint narrative:
I contacted XXXX XXXX and was told that my payments qualified for deferment/forbearance. i returned all required documentation, however I continue to receive bills in the mail. I qualify for the above deferment/forbearance due to loss of income, unemployment and receiving government assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
My husband and I applied for a second home mortgage with Quicken on XX/XX/18 for {$250000.00} with 15 % down, I was pre-approved instantly. We were assigned mortgage banker XXXX. A few days later I called Quicken so that I can speak with XXXX, XXXX XXXX answered the phone and told me that she can assist me because she is a senior mortgage banker. XXXX suggested that I should go ahead and get completely approve. I ask what is need and if my credit will be pulled again and she said no. I provide all the requested documents within 24 hours, the next day I spoke with her and she told me that we were approve she just needed a employee verification letter for my husband because they could figure how many hours he is guarantee. We provided that letter and she told me that we are completely approved but the numbers went down a little because of my husband child support obligation. I said ok. For weeks she called and encourage me to go to Georgia to look at properties. I spent {$1000.00} going to Georgia looking at properties. XXXX XXXX our first agent was told to push and help us because our loan has been completely underwritten and approved. We had to switch realtors and was assign to XXXX XXXX. XXXX conference called me and XXXX and she advise XXXX that I was completely approved and to put extra effort to help us find a property. We found a property and went into contract. XXXX request updated paystubs and bank statement, we provided them. We were then transfer to XXXX XXXX, who requested more documents we provide all. Now they are requesting child support court order. My husband have no time off of work he is on probation and if he miss any time or is late he will be terminated. I went to the courthouse with a notarized letter, and my husband ID I did not get the document. We offer Quicken a break down of payment for the past 17 years they refuse. Now our loan is denied and provide a denial letter stating application incomplete : incomplete application documents. Which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
Compliant ' of HireRight ' a Speciality Consumer Reporting Agency, the Type ' of Problem as ' not following FCRA policies in Remedying the Effects of Identity Theft, in an understanding of the Summary of Rights under the Fair Credit Reporting Act, the Importances for FTC Notice to Furnishers '. What ' happened was that ' HireRight - Legal - Data Security is ' exclaiming that ' HireRight ' is under Special ' contracting with XXXX in an extension of 5-10-15-20-25 years in unfair or deceptive business practices that is ' not. to remove my Employment Background Information. The Escalating Concerns of the Fed ' of a 10 year File that ' HireRight ' refuses to remove from their Database with Allegiants and alliances of ' the Continued Violations of my Civil Disability Rights in Public Corruption, Extortion and Solicitation of Monies. 

FTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Kohl 's Store AKA Capital One in reference to ID Theft and TWO separate accounts opened in my name and charged causing me financial loss. 

Kohl 's fraud dept supervisor XXXX ID # XXXX refused to provide her last name, REFUSED TO acknowledged that TWO accounts even existed nor would she provide data on them to me. 

ATTACHED are two documents showing TWO separate accounts where opened that Kohl 's refused to admit to where opened, or shut them down when I notified them my identity had been stolen. She also told me Kohl 's did not want the merchandise and that it was to be donated. 

Kohl 's stated as a victim, they could not discuss the issue with me, that they where prevented by federal law from discussing it ( even though they could not site any specific law stating such ) AND refused to state what items where bought, where they were shipped, and if there where any other activity. 

Per the IdentityTheft.gov website my rights as victim where violated as stated below : Know Your Rights Heres an overview of your rights when recovering from identity theft. If someone is using your information to open new accounts or make purchases, report it and get help. 

" If someone steals your identity, you have the right to : create an FTC Identity Theft Report **place a 90-day initial fraud alert on your credit report **place a seven-year extended fraud alert on your credit report ** get free copies of your credit report get fraudulent information removed ( or " blocked '' ) from your credit report dispute fraudulent or inaccurate information on your credit report stop creditors and debt collectors from reporting fraudulent accounts ***get copies of documents related to the identity theft stop a debt collector from contacting you. '' Kohl 's refused to describe or give me documents relating to the ID Theft as required. 

In addition, all THREE credit bureaus refused to provide free credit reports, give 90 day fraud alerts or place seven year fraud alerts because they charge victims for each.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts on my Equifax credit report. FTC ID Theft report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Have made several attempts to get finalization documentation on foreclosed property so I can apply for new home loan. 
Ref # XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, GA. 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