vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 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: PA

Complaint narrative:
I have recently reviewed a copy of my credit report. I am concerned because there was 8 inquiries by TransUnion that i do NOT recall authorizing.XXXX- Inquiry from XX/XX/XXXXXXXX Card- Inquiry from XX/XX/XXXXXXXX- Inquiry from XX/XX/XXXXXXXX- Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXXXXXX- Inquiry from XX/XX/XXXXXXXX/XXXX- Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXXIt is my understanding that you can only make an inquiry to see my credit report if i authorize it. I would like for you to remove this unauthorized inquiries for it is negatively affecting my credit score. Please send me conformation that this has been done.

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 2019-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Leap Credit, LLC
State: WI

Complaint narrative:
On XX/XX/2019, an authorized amount of {$600.00} was deposited by Leap Credit into my checking account. I looked at my emails and found a message from Leap Credit saying that my loan request had been accepted - that I should login to sign the agreement and that I should complete the bank verification to complete the loan. I did not sign an agreement and I did not complete the bank verification. I went to their website - I was able to login with my email account and social security number. I found a contract ( it says Request ) in their system with my name ; however, it had incorrect information on the request pertaining to my birth date, pay dates, etc. I contacted Leap Credit by phone and email telling them I did not take out a loan with them. I also looked them up online - finding various nightmare situations where Leap had deposited money into people 's accounts without their authorization. I immediately contacted my bank, filled out a Written Statement of Unauthorized Debit and had the money returned. The transaction was reversed and the amount returned to Leap Credit on XX/XX/2019. I have been going back and forth with LC and have provided all my bank documentation ; however, they still say I owe on the loan and that they never received the money back. I don't know what else to do. Please help! I have documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: UT

Complaint narrative:
XXXX XXXX XXXX was included in my bankruptcy. However they are currently updating and showing a balance and this is negatively effecting my credit. It should not be updating and reporting lates when it was included in the bankruptcy.

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 2019-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I received a demand letter from Lien Enforcement, Inc. in the amount of $XXXX.The letter states the fee is for towing and storage fees of a company named XXXX XXXX XXXX XXXX.   I am disputing, refusing, rejecting, this demanded a debt amount of $XXXX.  The debt of $XXXX dollars does not belong to me and I will not pay the requested amount.  I never contracted with XXXX XXXX XXXX. for towing and storage services.  I never signed or made any verbal contracting with XXXX XXXX for towing or storage services.  I will be filing a complaint with the Internal Revenue Service to have XXXX XXXX XXXX XXXX. and Lien Enforcement Inc. investigated and audited for fraudulent Lien Sale proceed collections.  I suspect hundreds of other innocent consumers have been a victim of this fraud. In addition, I will be contacting the Federal Bureau of Investigation informing them of the corruption of these two criminal organizations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
Lockhart, Morris, & Mont inserted this entry on my report without communicating with me.  I have not received a dunning letter or anything from them.  By law, prior to inserting this entry on my report, they should have communicated with me and allowed me 30 days to dispute the validity of what they are alleging.  I have retrieved my report numerous times over the last few months and they are still continuing to violate my consumer rights.  My communication with them in XX/XX/2019,  (see attached), of which I sent certified for the certified receipt proves they received my dispute letter; however, has not responded. To date, they have had almost 60 days to respond.  In my letter to them, I requested they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, provide the alleged account number, date this alleged debt became payable, original delinquency date, verification that the alleged debt was assigned or sold to collector as well as a complete accounting of alleged debt.  As previously mentioned, I have not received any response from this company.  To that end, this entry should be deleted from my report immediately.  Lockhart, Morris & Mont are continually and blatantly reporting this entry and violating my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I’m a XXXX XXXX year old XXXX era vet prequalified for a mortgage refinance. I have never been late for a mortgage payment in the last nine years. I pay online using XXXX, my information is stored automatically. I made my XX/XX/XXXX payment on the XXXX of XXXX, found out several days later it did not go through. I made another payment on XX/XX/XXXX, it did not go through either. Your help with this matter would be greatly appreciated. Thank you, XXXX XXXX XXXX XXXXXX/XX/XXXX  confirmation # XXXX.              XX/XX/XXXX confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019 via an online chat I informed Macy’s that I had an attorney and to direct all communication to them.They continued to call multiple times daily.OnXX/XX/2019 I emailed Macy’s at XXXX with a copy of the online chat and again requested they cease and desist contacting me and contact my attorney.They continue to call multiple times daily.This is harassment and needs to stop immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 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: WI

Complaint narrative:
). I have had repeated dispute filings and several correspondences with representatives of Citi to try and resolve my issues with these false charges, many times thinking this issue was resolved. These letters indicate the closing of disputes for charges applied to my credit card ending in XXXX, from XX/XX/XXXX to XX/XX/2019 by reversing my credits.   These charges of $XXXX have been fraudulently appliquéd by XXXX XXXX” and charges of $XXXX charged by “XXXXCiti customer service has repeatedly denied my explanations of not ordering these products. I never received anything from these companies and can n ot understand how Citi can deny it own customers explanation yet accept suspect institutions.  How can one accept delivery of a product before it's even delivered?

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 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been followed America Express the insturation to verify my idenity. But America express still don't approve my verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have recently reviewed a copy of my credit report. I am concerned because there was 2 inquiries by Equifax that i do NOT recall authorizing.XXXX XXXX- Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXXIt is my understanding that you can only make an inquiry to see my credit report if i authorize it. I would like for you to remove this unauthorized inquiries for it is negatively affecting my credit score. Please send me conformation that this has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I'm attempting to get on the loan of my mother that passed. And the bank is not allowing that. I have sent in all requested docs. At one point they were accepting my payments then stopped saying only the person whos name is on the loan can send in a payment. I have sent in the requested docs more than 10 times

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
PenFed used to be a great company but they have become very shady lately. I applied for the XXXX XXXX and was approved. The card advertises that it will pay for $XXXX of incidentals for domestic airline purchases. I made two purchases with XXXX  that should have qualified for this credit. The credit never posted. I called in today, XX/XX/19 and it was clear that the customer service rep was completely clueless about the benefit and that PenFed had no intention of applying this credit - seems like false advertising to me. She sent me to the rewards department who couldn't help me and tried to send me back to customer service. It is clear that this advertised benefit is not real and PenFed is deceiving customers.

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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am the victim of identity theft. The creditors who have contacted me about this use Experian as their source for credit reference. I have attempted to contact Experian several times so as to freeze my small business credit. No one answers. NO matter what option is selected.It is an endless loop of instructions and alternate numbers to call, and each nuymber called does the same thing.They avoid ALL direct, human interaction.The long and drawn-out message merely says write them a physical letter which includes copies of all of my personal and private information that I am attempting to protect including SSN, DOB, copy of drivers license, and more. Then it just hangs up without further option.This is nonsense!

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 2019-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I open an Macy account for a credit limit of XXXX never received my first statement so they waved the late fee upon receiving a letter today they deceased credit limit to a $XXXX which is why I’m filing a complaint because at the time of me applying my fico   was ok  I only agree to keep the account going was because of the limit I free trick and played this should have never happen  XX/XX/2019

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 2019-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I applied for loan to help with certain financial circumstances. Although I knew what I had to pay back, I was unable to do so due to my fiancs health and moving expenses. I tried to keep up with it but I was unable to manage it. A few weeks later I received a mail ( without any summon or without any court notice ) that my wages are now being garnished. I called them to see any other their payment options but they said that I have a past due balance of $ 1000+ and in order to remove the wage garnishing that balance is to be paid. And on top of that, the interest will accrue daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XX/XX/2019 a hailstorm damaged my property located in XXXX, TX. Both real property and personal property was damaged.The damaged real property is secured my a mortgage currently serviced by US Bank. The damaged personal property is not secured with any creditor.My insurance company mistakenly included US Bank as a payee on the claim check which included payment for damages to both real and personal property (they generally issue separate payments for personal property claims).The initial insurance check was received by US Bank on or about XX/XX/2019. When I submitted this check to US Bank, I formally requested, in writing, that the amount for the personal property be returned immediately as US Bank has no financial interest in the property and thus no right to retain the money.On XX/XX/2019, US Bank received a second claim check for additional damages to real property that were not covered by the initial check. As part of the submission of this check to US Bank, I requested formally, in writing, that they immediately release the amount they have held since XXXX  for the personal property. I made a third formal, written request for the personal property funds onXX/XX/2019.To date, US Bank has neither provided the funds for replacement of my personal property nor provided any reasonable steps I can take to obtain them.Both of these actions are contrary to the Texas Insurance Code.

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 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Ditech financialMy regular mortgage payment is about XXXX  monthly but I have making a conscious effort to about XXXX for the past year. A couple of months ago I receive a notice the my account was going into escrow which would increase my monthly payment from about XXXX monthly to nearly XXXX monthly, I don't need them to pay my taxes. I do that on my on.Plus my balance seem to constantly increase of stay the same as if my payments are not being applied to my account correctly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
wells fargo bank   where i bank resuses to aprove my crdit card application    for no reason what soever and continue to deny my application for credit card and need help  with this issue thank you 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 2019-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Central Porfolio called from XXXX. The representative identified himself as XXXX XXXX. The company call requesting information confirmation like date of birth and others. When deny to confirm information they indicated they already send me a letter to my address. I requested the company address and was not provided. This company has my information wrong for a possible dent in a state that I do not live at. I repeatedly ask this company representative to send the information to my email or confirm the type of debt.The company continuously denied to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP
State: DC

Complaint narrative:
I need to know if Selene Finance attorney  informed me that the house at XXXX XXXX XXXX XXXX was sold on XX/XX/2019 to a 3rd party purchaser they why is the house still in my name XXXX XXXX?   I went to Recorder of Deeds and they confirmed that the property is still in my name, I also contacted them today by telephone and they confirmed again today that no one has submitted an application to change the tittle out of my name that I am still the person name on the tittle.  I also got an email from  Selene Attorney XXXX XXXX and she informed me that they have not gone to settlement yet? So I need to know why are they demolishing the house that is still in my name. The property at XXXX XXXX XXXX XXXX XXXX  DC  XXXX   is still in my name XXXX XXXX  I believe that this would be illegal.  and against the law if the property is not in that person name to destroy it wouldnt it?  So my question is if the house is in my name why are they demolishing the house.  the attorney even said that the 3rd party person hasn't gone to settlement how are they  demolish the property?  My loan number is XXXX . My mortage Company is Selene Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On the morning of XX/XX/2019, I deposited a check for $XXXX at Bank of America in XXXX, Florida. The check was issued by XXXX XXXX XXXX and drawn on an escrow account at XXXX. The payment were the proceeds of the sale of my residence. It was noted that the power was out in part of the Bank of America branch and the branch manager asked me to present the check in the external ATM.The receipt indicated the check was subject to a hold for as much as nine days. I called Bank of America and spoke with an individual indicating the check just came in and will possibly clear in two days. He suggested I call back after close of business on XX/XX/2019 regarding availability of funds. On XX/XX/2019, the check cleared XXXX XXXX XXXXs account and funds were made available to Bank of America. Despite funds being made available to Bank of America, they continued to hold the funds from my use.On XX/XX/2019, XX/XX/2019, and XX/XX/2019 I contacted the bank and received various conflicting stories as to the hold. Despite the check clearing the XXXX XXXX  account, Bank of America continue to hold the funds without a valid purpose.On XX/XX/2019, I contact Bank of America and advised the funds were held as Bank of America systems reflect numerous returned checks from the XXXX XXXX XXXX. I immediately contacted XXXX XXXX who denied any returned check and provided evidence that the subject check cleared their account on XX/XX/2019. Bank of America representatives indicated that the reason funds were held was based on "reasonable cause to doubt collectibility." However, this claim is fundamental flawed given the check had cleared and Bank of America had already received possession of the funds.The Expedited Funds Availability Act requires financial institutions to notify the consumer of the purpose of holding funds for an extended period. Given Bank of America's erroneous and possibly fraudulent allegation of cause to hold the check, Bank of America violated the check clearing regulations. They failed to pay interest on the erroneously held funds. Moreover, Bank of America deviated from FDIC rules C12 and C14, notifying me in writing for the purpose of the hold and failing to make part of the funds available.

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