vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-14 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: NY

Complaint narrative:
After receiving many solicitation emails, in XX/XX/XXXX I filled out an application with XXXX XXXX in order to obtain a loan. 
I specified exactly what my credit score was and was told that they can get me something in the low 20 % annual range. 
Because I have a low credit score, I understand that I ca n't get a much better annual interest rate than that and XXXX, the owner of the company, seemed like a bit less of a vulture than all the others I had spoken to in the prior couple of years. 
Of course, as soon as my credit score came back ( with exactly the score I had already told them I have ), the annual interest rate jumped to 34 %. 
Because an interest rate like this is the equivalent of suicide in my business, I turned the rate down. However, XXXX ( who again seemed very nice and sincere ) said he would contact me again in the future to see if he could do better. 
On XX/XX/XXXX, XXXX from XXXX XXXX called me and said they have many new programs available since last we spoke and that ALL she needs to let me know what I qualify for is my last 3 months bank statements. XXXX actually even followed up on this phone call with an email that said when you send me these statements include how much funding yiu are seeking. 
Since the last 3 months bank statements do not hurt my already suffering on life support credit score, and XXXX had already told me that he would contact me again if he had a better offer for me, I sent her my last 3 months bank statements. What XXXX failed to mention was that she was going to pull my credit score as a hard inquiry. This is something I would NEVER allow. I receive at least a dozen phone calls on a daily basis. I do not allow anyone to pull my credit score. 
The only thing I allowed XXXX to do was to review my 3 prior months ' bank statements as she herself said she would be doing. 
As much as I can, I make every effort to be vigilant about my credit history. I am completely ashamed of myself that I was duped by one of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX Spoke to a rep about high interest rates and minimum balance fees.

XX/XX/XXXX noticed discrepancies with my account..

this problem has been on going for months..

back-end system manipulated fees being charged to accounts.. later embedded as " interest fees '' the numbers just do n't add up!! and someone is walking away with tons of $ $ $ $ $

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
Diversified consultants placed a collection on my credit report for XXXX for XXXX XXXX XXXX return equipment fee. XXXX lost the equipment but found it when I called with a tracking/reference number from XXXX. XXXX agreed to remove the charge from my bill. I have since had to call several times about the matter and can not gain any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14 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: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I received a letter from Southwest Credit on XX/XX/XXXX about a collection account Ive never heard of. I sent them a debt validation letter on XX/XX/XXXX disputing the debt and requesting validation. On XX/XX/XXXX I got a notification that they added a collection account to my XXXX credit report. By law Im given thirty days to respond to dispute the debt and I was well within the thirty day response period. I NEVER received any type of debt validation letter from them as a response yet they placed this fraudulent account on my credit report. Not to mention if the letter was dated XX/XX/XXXX by law they cant place anything on my credit reports BEFORE XX/XX/XXXX. Yet they placed this collection account on my credit reports on XX/XX/XXXX WITHOUT responding to my request for validation which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for the Discover personal loan for {$34000.00} for debt consolidation on XX/XX/2017. I was requested to send in my wife 's pay stubs as well as mine, which i did promptly. After a day passes I tried to check the status of my application and I saw that it was denied because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I contacted them and asked for an explanation because they are required to give a specific reason why it was denied but they refused to and said thats the best we can say. I have a fraud alert of my credit reports for my own protection and when they checked my credit they did n't even call to verify that it was me who applied for that card and then they deny the loan because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I spoke with them for about 30 minutes and nothing changed and they were insisting that they are following the law and they do not have to give me explanation to why it was denied. I need to teach this company a lesson so they understand that they ca n't just advertise personal loans and when you apply they deny it for a reason that is not comprehendible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: GA

Complaint narrative:
I did not sign or authorize these transaction please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX was trying to foreclose on my property with a sale date of XXXX/XXXX/2017. On the day the sale was supposed to happen I went to the XXXX County CA courthouse and filed an emergency bankruptcy to get a stay on the sale. Shortly after that I called the trustee, XXXX XXXX XXXX, XXXX in XXXX XXXX, CA and asked how much I had to pay to reinstate my mortgage. They told me it was XXXX and that this was good through XX/XX/XXXX. However they never followed up with an itemized statement of what made up that amount. It was over what I calculated by at least {$2000.00}. Since I wanted to get my account current I went ahead and paid the {$12000.00} on XX/XX/XXXX. At this point I thought all was well. Then in XX/XX/XXXX Ditech sent me a statement showing I owed {$14000.00}. A few days after that I received another notice that my house was going to be sold at auction on XX/XX/XXXX. So I once again called XXXX XXXX XXXX and asked for a quote for reinstatement. After about 2 weeks of waiting and not receiving the quote I called XXXX and asked why they had not given me the quote. They said it was up to the lender. Well after about 30 minutes they e-mailed me the quote and it said {$4100.00}. This was for XX/XX/XXXX and XX/XX/XXXX payments ( 2 x XXXX ) plus what I believe were outrageous other charges. To avoid the foreclosure I paid the amount to XXXX Services on XX/XX/XXXX. XXXX Confirmed receipt of the payment and were forwarding it to Ditech. I have been calling Ditech every few days because they confirm receiving the payment but for over two weeks now they say they are processing it. To this day, XX/XX/XXXX, they still have not applied my payment but assured me my mortgage was reinstated. I think they are holding the payment long enough to become deliquent so they can start another foreclosure sale and make me pay more late charges and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: GA

Complaint narrative:
I did not sign or authorize these transaction please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not sign or authorize these transaction please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
After receiving numerous solicitations from American Express to re-open my Platinum Delta Skymiles credit card, I finally decided to submit an application so I could receive the offer they were promoting. This offer was for XXXX delta miles and XXXX XXXX if I spent a minimum amount within the first 4 months ( as well as a {$100.00} stmt credit ). I called to confirm the offer and was told that I qualified since I had n't had this card in the last 12 months ( I had one previously but it had been 3+ yrs ). 

I met the qualified spend in the XXXX timeframe. It seemed to be taking a while to receive my points so I called to ask where they were. I was informed it takes a couple months so call back later. Since then I have called a few more times. They kept telling me to be patient and they would be posting any day now. 

On XXXX XXXX, XXXX ( today ), I called and was informed I have not received my points because I do not qualify for them. In addition to being misled by the marketing material I received, I was misinformed by all of the Amex CSRs. I was also charged the {$190.00} annual fee and have essentially received nothing for this when promised an intro offer. 

I escalated this complaint to 3 levels of managers at Amex and the only goodwill gesture they could make was XXXX miles which is insulting. I have hurt by credit score by opening another card and paid an annual fee and they can do nothing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We had a mortgage with Countrywide. It was later taken over by Bank of America. During the mortgage meltdown we started a home modification with B of A. They set up the payment schedule and contract which we agreed to. We thought that what we had entered into was the actual modification. We were later told that it was only the pre- modification and that if we made our payments on time then they would proceed with the Home Modification. They tried, with every trick in their book, to make us fail during this period. When we did n't fail they had no choice but to put us into a regular Home Modification Program. Here 's where the problem lays. Between the pretrial and the actual modification B of A tried to accelerate a foreclosure on our property. We started getting foreclose notices stating that XXXX XXXX was selling our property. We had real estate people knocking on our door. We had to fight with B of A to get this situation cleared up. The OCC went after them. We received a small settlement for our troubles. That brings us to the problem that is still existing. We went to refinance out house and this is still showing up in our credit report. I would like them to resolve this situation once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
a hard credit inquiry by XXXX not mine have had same account over 30 years for cable TV never lived in XXXX have been at same address 34 years not my inquiry please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Funding hired the XXXX XXXX XXXX XXXX XXXX to collect on a debt owed to XXXX. They had my bank accounts garnished for {$2500.00} in XXXX based on a ruling from XXXX XXXX XXXX of which I was not notified. I did not receive a court summons before the garnishment so I was not given the opportunity to clear this up before it went to court. The court clerks claim that I was " served '' on XXXX XXXX at an address that I had moved away from in XXXX. After they took the money, the court clerks advised that the Collections company could release the funds if I agreed to a payment plan. I called the collections company multiple times requesting for that release and payment plan but they kept telling me that they could n't release the funds at all. I was garnished without notification and unfairly. The only documentation I received came from my bank after the assets were garnished from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Greetings, While stationed overseas in XXXX, XXXX My lawyers ( XXXX XXXX and XXXX ) have sent several Letters to Navy Federal Credit Union for mis-aproptiation of insurance funds from XXXX XXXX ( over 17,000.00 ) to get my house fixed. Insteand of letteing me get my house fixed they used the money for the moratge and now thereare no funds to fix the property. We have sustained additional damage becasue of teh recent storms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
the orginal complaint was not investigated correctly. Please find out who called me and why they said they were a mediatator prior to getting lawsuit papers the next few days and to be home to receive them. you only contacted XXXX which sold the complaint. you had the number i called with number to find out about the account and you did not follow up. XXXX said they sold to// : :If you have any additional questions regarding your account, please contact PORTFOLIO RECOVERY at XXXX. 
Please investigate this further as not a collectable debt and used forbidden tactics to try and get me to pay or reage a debt. Since then I get 2-3 calls a day from these people selling my phone number. Do not close an account before you speak and investigate. 
thanks XXXX XXXX XXXX '' '' '' : : : Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection Issue : Took or threatened to take negative or legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: GA

Complaint narrative:
Account was paid for and creditor sent request to delete on XXXX and Equifax has listed this account for XXXX XXXX on the report as a new account of XXXX. The same account is listed 3 times as open and unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: MO

Complaint narrative:
I requested an investigation into the following unknown and unauthorized credit inquiries listed on my Transunion credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX on XXXX/XXXX/XXXX XXXX ) XXXX  XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Transunion credit report. 

Thank You For Your Time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had a XXXX XXXX Credit Card account that was removed from my Equifax Credit Report approximately 6 months ago. At this present time XXXX XXXX is currently on my report once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: WA

Complaint narrative:
XXXX currently known as XXXX has reported a hard inquiry by me this is not my inquiry I have had the same account for over 30 years I do not live in XXXX it is not my inquiry needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX, in partnership with XXXX 's XXXX, issued a credit card promising cash back for purchases. Until this year, cash back checks were attached to statements and easily overlooked, particularly by cardholders who pay bills online and do not rely on paper statements. I recently came across such a cash back check while working on taxes, but noted that it was well past the printed expiration date. I contacted the credit card company to request a replacement check and was told this was prohibited by " bank policy. '' This {$180.00} check had been overlooked because of a bank practice of attaching them to statements instead of sending them in separate check envelopes. Now the bank is taking advantage of its own dubious practice by converting my funds to its own use.

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 2017-10-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I ordered a chase card last XXXX. Over the course of months my credit card was being charged for internet purchases called 'cheng fei ''. After a couple of months my {$4000.00} limit credit card was charged for over {$8000.00} in charges. I called and wrote letters and Chase refuses to resolve this issue. 
I do n't know what the charges are for and I also do n't know how my credit card was charged over {$4000.00} past my limit. This is not legal! I have talked to customer service, the fraud department and even wrote a letter to the head of Chase credit cards. They refuse to acknowledge their mistake and refuse to remove the charges. 
I do n't know what else to do at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: WA

Complaint narrative:
XXXX currently known as XXXX has reported a hard inquiry by me this is not my inquiry I have had the same account for over 30 years I do not live in XXXX it is not my inquiry needs to be removed

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