vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I observed an authorized several hard inquiries on my credit report listed below and have contacted the company via phone. I was informed that a dispute has to be done in order for the unauthorized inquiries to be removed form XXXX, XXXX and XXXX. The first hard inquiry observed was from Capital One Bank USA on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX and also two hard inquiries from XXXX XXXX and XXXX XXXX. Which I did not authorized. After recent research, data breach information that was compromised and also several security measures that was added on my credit reports for precaution after being a victim. This has made my credit score tremendously decrease and also was not authorized by me. A few years ago my email, where I was employed, my address and passwords/ PIN numbers I had used for apps and credit cards were compromised. Once learned I had placed a security feature on my credit report which can be verified by all 3 credit bureaus. This security feature only last for a few months and the request process has to be done all over again. I am requesting for these creditors/ hard inquiries to be permently removed from my credit report account and all unauthorized charges are dismissed. Attached below are the amounts and the creditor listed on my report. Also attached is proof of my email, address and certain passwords/ pins that were used for majority of my bank accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
When I signed up for this financial product, I did understand of these types of products have high interest rates. However, I was just emailed about an interest rate and transaction fee reduction. When looking at the new rate, I never really realized, or must have missed before, how exactly how high this interest rate is. 238 % APR and a transaction fee of {$5.00} per {$100.00} borrowed. If this is the reduced rate, I cant even imagine with the higher rates were.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: MA

Complaint narrative:
There are a few inquiries that were placed on my credit report on Different dates by XXXX XXXX from XXXX that has an inquiry date of XX/XX/XXXX and XXXX/XXXX that has an inquiry date of XX/XX/XXXX and another inquiry from XXXX XXXX  that has an inquiry date of XX/XX/XXXX and another one from XXXX/XXXX that has an inquiry date of XX/XX/XXXX and another one  from XXXX/XXXX that has an inquiry date of XX/XX/XXXX. I sent the credit bureau ( TRANSUNION ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if XXXX XXXX  claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for every single one of these inquiries, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that XXXX XXXX verified or validated these inquiries when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, these applications was submitted fraudulently.

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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
My vehicle was totally out and I had Gap insurance. My Gap Insurance paid the balance which was XXXX on XX/XX/2019. On XX/XX/2019 it left me a balance of {$240.00}. I reviewed my account and called Santander and the representative stated I have a balance for {$510.00}. I asked the representative to explain to me why my balance increased. The representative couldn't tell me the reason why because he didn't understand why. I ask to speak to supervisor he stated no one was available to speak to me at this time. I review my credit report and Santander report late payment for XXXX for {$62.00}. I never receive any statement from Santanter stated I owe {$62.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I recently requested my free annual credit report from Experian using the mail-in form provided at XXXX. Instead of sending me my report, Experian sent a letter ( dated XX/XX/19 ) requesting additional information be sent to them ( photocopies of government issued ID, bill/statement, etc. ). However, there was no information in the letter on where to send this information or how the letter should be addressed. Nor was there a phone number to call to request more information. As the letter specifically said this information was to be sent to them ( Experian ), they should provide this information. Attempts to find this information at their website was fruitless. 

Considering this company makes money gathering and selling information about me without my consent, I should not have to jump through hoops to get these legally mandated reports. If they need additional information before providing this report, it is on them to provide clear instructions on how and where this information is to be sent. 
By making this process harder, more ambiguous and time consuming than it needs to be they do not appear to be honoring the spirit of the law requiring these reports be provided. I should not be expected to guess where to send sensitive documentation.

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 2019-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
On XX/XX/18 I had a hard inquiry from Comenity Bank/Victoria Secret that I didn't authorize. At this time I also received an automatic credit limit increase- ( I didn't apply for a credit limit increase ) therefore I shouldn't have had a hard pull if they were conducting account reviews and gave an automatic increase. This pull wasn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My vehicle was totally out and I had Gap insurance. My Gap Insurance paid the balance which was XXXX on XX/XX/2019. On XX/XX/2019 it left me a balance of {$240.00}. I reviewed my account and called XXXX and the representative stated I have a balance for {$510.00}. I asked the representative to explain to me why my balance increased. The representative couldn't tell me the reason why because he didn't understand why. I ask to speak to supervisor he stated no one was available to speak to me at this time. I review my credit report and XXXX report late payment for XXXX for {$62.00}. I never receive any statement from XXXX stated I owe {$62.00}.

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 2019-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: GA

Complaint narrative:
We were told that by closing in XXXX, our first payment would be due XX/XX/XXXX. When we closed, the date for the first payment was XX/XX/XXXX on the closing documents. We were told by the closing attorney and the CalCon mortgage representative to cross out the date and put XX/XX/XXXX, then initial by the new date. Now, we are being told to make the payment by XX/XX/XXXX ( today ), but it would go to the XX/XX/XXXX payment. We don't wan to pay on what is being called an illegal contract. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Today I am at my breaking point with this company. I called on XX/XX/2019 to make a payment. I had a past due amount of {$940.00} ( balance for XXXX and XXXX 's bill ) I made a payment of {$350.00}. Today I called to pay the remaining balance of {$590.00} only to be told the amount due is now {$1000.00}. Not only is there no way possible I can pay that I was totally blind sided. As always, the communication with this company is awful. The first rep told me that the late fees were from the start of the contract which made no sense at all. The supervisor got on the phone and said well the balance for XXXX is {$590.00} and 5 % has now been added to that. That is almost another car payment. I wrote a letter to the CEO XXXX XXXX and I will be filing another complaint with the XXXX. This is so unfair and no one should have to deal with this.

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 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is the letter that I ended up sending to Bank of America after they denied my claim Dated XX/XX/2019, for AUTHORIZE ONLINE TRANSACTION IN THE AMOUNT OF {$600.00} to a Unknown email address. ****** XX/XX/2019 VIA FACSIMIL : XXXX Bank of America Fraud Department Case Num : XXXX XXXX Regarding our conversation maintain on Friday XX/XX/2019, enclosed please find here prove to sustain that I been a victim of identity theft not just with your financial institution, but also on my primary bank account where I use to do business too XXXX with XXXX XXXX. 

In these paper enclosed, you will find copy of the two ( 2 ) Police Report I have to made to report the incident that I was been involved by been a victim of identity theft. Also enclosed, the letter I sent to XXXX, also the complaint that I have to submit to The Consumer Financial Protection Bureau informing my situation. Sadly for me, thinking that with your institution ( Bank of America ) I will be better protected from this type of case this past Friday I have to heard that your FRAUD DEPARTMENT IS DECLINING my claim, stating finding NO ERROR in that electronic transaction to an unknown email address you guys have registered in my bank account with no previous history of mine registering this email address, person or company, also If you see my previous history I NEVER USED THAT KIND OF SERVICE BEFORE XXXX, or have no contact register there or any other type of electronic transactions. 

Also, on my intent of try to stop this fraudulent transaction, on the same day and minutes after I got the email/notifications of the transaction I PRACTICALLY RUN to the most near institution to report what was happening and that transaction wasnt me, wasnt authorized for me and I dont know the person or email address the thefts was using to send that money {$600.00}. ( Second time in one week had been a victim of identity theft ). I also make reports with the credits institutions informing this situation, you will find a copy of the letter too. 

I hope we can resolve this matter as soon as possible, by having a fair investigation and not making me hired a legal representation to fight for my rights and the money you guys supposed to have secure on your financial institution. 

Any other information need, please do not hesitate in get in touch with me. 

XXXX XXXX XXXX, XXXX email : XXXX I also want to add that this Institution with the delay in resolving this problem been causing me a lot of frustration and inconvenience by not been able to use my funds and by the bank don't been diligent and just denying my claim without proper investigation process.

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 2019-05-31 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: STERLING JEWELERS, INC.
State: AL

Complaint narrative:
Unauthorized inquiry on XX/XX/18 from a Sterling. I have sent letters to both Sterling and all credit bureaus that this was unauthorized and have failed to have it removed and/or verified. I do not have an account with this company and have not submitted a credit inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I purchased a car with Chase Auto Finance in XX/XX/2017. In XX/XX/2017, I was diagnosed with a XXXX XXXX. I have had to date XXXX XXXX on my XXXX to rid the XXXX. Unfortunately, I was late on my car payment. The account did not go 30 days late but, it was late. My income was reduced drastically, I went from making XXXX a year to XXXX. 

Moving forward, I was injured at my job. I fell and XXXX my XXXX, XXXX my XXXX   XXXX. I reached out to Chase and asked for a deferment in payments or reduction. I was denied, and I was told that because Im late every month is why I can not get a deferment. Chase has been well aware of my hardship, and has not made any attempt to assist me. No one in their right mind would willingly occur late fees. To feel as if Im being scolded like I am a child, when I called is obscurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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:
Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened savings account with 5 bank due to the interest rate with no fees about 2 years ago. 

I find out today the account was changed due to a policy of the limit monthly transactions. They have lowered the interest rate and now charging a monthly fee. 

They claim multiple attempts were made to let me know but I never received anything. My contact info is all correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Contacting me about a debt from 2001. Calling me repeatedly. Calls come in and ask me my social security number ( last 3 ) my address, My phone number. I have asked them to stop contacting me  repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Second Chance Collections, LLC
State: GA

Complaint narrative:
Last summer two men knocked on our door representing XXXX XXXX XXXX saying they were doing free roof inspections. We let them go on our roof and they came down and said it was a total loss. They asked me to sign a form that would allow them to contact our insurance co. After they left my husband and I had a bad feeling about this co. and decided to go with someone else. We got our roof done and never thought about it again. Fast forward six months later, I get a phone call from Second Chance Collections saying I owe {$1500.00} for 10 % of the job by XXXX XXXX, I informed them that i'm not paying a dime since they did not do our roof. From XXXX/2018 to today they have harassed me at home, they harass me at my work, they even went on my work website and got the owners personal number and called her and harassed her, they call my work and threaten the receptionists, I have asked them to stop and they refuse. I have called several different attorneys but they all say there is nothing they can do unless they actually serve me. I have never received anything in writing from them and they threaten to serve me but in seven  months nothing ever happens except for the harassing phone calls. What they are doing is illegal, but they don't seem to care, don't I have any rights here, this can not go on anymore and I just don't know what to do! Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX pulled my credit and I was pre approved. They pulled three credits at different times bringing down my score.

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 2019-05-31 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I received a notification through my credit monitoring service on XX/XX/19 that Citibank had performed a credit inquiry which I had not authorized, dated XX/XX/19. I disputed the inquiry with XXXX on XX/XX/19, and on XX/XX/19, XXXX advised that they would not remove the inquiry without Citibank 's approval. I contacted Citibank on XX/XX/19 using the phone number provided by XXXX. Citibank advised at that time that the account had been closed as a fraudulent application, and I would not receive a card or bill in the mail. On XX/XX/19, I requested a fraud alert through the credit agencies. On XX/XX/19, I received an unsolicited Best Buy credit card in the mail from Citibank. On the same day, I sent them a letter provided by the FTC outlining the situation and requesting confirmation within 30 days that the situation had been resolved. On XX/XX/19, a Citibank credit card appeared on my credit report with a balance of {$2300.00}. On XX/XX/19, I received a second Best Buy credit card, with a new card number. On XX/XX/19, I contacted Citibank again, who advised that the account had not been closed or marked as fraudulent ; they then claimed that it had been closed " properly '' and forwarded to their fraud team. On XX/XX/19, I received a bill from Citibank in the amount of {$2300.00}, along with a letter saying the amount had been disputed and did not need to be paid. No further confirmation has been received from Citibank confirming that the unauthorized charges have been removed, or that they will no longer attempt to collect on the fraudulent balance.

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 2019-05-31 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: BARCLAYS BANK DELAWARE
State: PR

Complaint narrative:
The company refuses to proceed with grant of liability protection services as given by Master Card XXXX XXXX for two unrecognized charges under the grounds that both transactions were made with the card ( as claimed and submitted from our end to Barclay 's ).

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 2019-05-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX   XXXX ; XXXX XXXX XXXX ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation