vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 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: CORELOGIC INC
State: OH

Complaint narrative:
I was looking to get pre-approval for home mortgage ( new home ) around XX/XX/2018. After reading a lot of articles online, it was clear to me that when we start looking around for home loans, we will have 30-60 days time and there will only be one hit irrespective how many vendors you check with. But to my surprise, there were 3 hard hits on my credit within a period of 30days. Is there anything that can be done to get those hard inquiries off of my record?

Below are the details of the credit checks. 
Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : Credco, XXXX XXXX, CA XXXX ( 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 2018-11-27 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
AAFES ( Army Air Force Exchange Services ) has incorrectly reported my payment status on my credit report for the past 4 years. AAFES states my late payment status was reported due to the minimum payment not being accurate. AAFES never notified me that there was an issue and refuses to correct their mistake, the lack of communication, that led to the faulty reporting. I have reconciled account problem with customer service with no issues, but the credit reporting department refuses to come to any sort of amicable resolution on the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
This is NOT a duplicate complaint!!! Any other complaint was submitted without XXXX knowledge. This is in regards to my adult son who is XXXX XXXX. He was taken advantage of by an online company that racked up several thousand dollars in charges. As his guardian, I need to let Huntington National Bank know what has happened. As I said, my son is XXXX XXXX. He is on social security XXXX. He doesnt have the XXXX XXXX to know what he is doing. He was duped by a company called XXXX. They duped him into making debit card charges directly to them and through XXXX. I didnt even know he had a XXXX account until going over his bank records. These charges are on his bank statement as XXXX XXXX and XXXX . It looks like some of these have been refunded but others have not. The ones that werent refunded are ... XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$530.00}, {$1000.00}, {$1000.00}, {$1000.00}, {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$750.00}, {$1000.00}, {$860.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$1500.00}, {$1000.00}, {$1000.00}, {$1000.00} XX/XX/XXXX {$300.00}, {$500.00} These funds were supposed to pay for his in-home care. Im an old man and cant take care of him like I used to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: Arbor Residential Mortgage LLC
State: NJ

Complaint narrative:
I had a mortgage with XXXX XXXX XXXXXXXX and the house transferred in XX/XX/XXXX & they still showed delinquency in XXXX that should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: B&F Finance Corp.
State: OK

Complaint narrative:
I advised on XX/XX/XXXX that i will try to make a payment on XX/XX/XXXX. I explained that im not working full time due to XXXX. I Rcvd at least 2 or 3 calls each day since XX/XX/XXXX. I received text messages and voicemails stating i will be sued. I received a phone call at work on XX/XX/XXXX from B & R Finance which my employer advised that i can not accept personal phone calls. I received a phone call at work again after advising that i can not accept personal calls. I dont want my job at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: FL

Complaint narrative:
File # XXXX ACCOUNTS : I'm writing this letter in a 3rd attempt to inform you my identification has been fraudulently compromise. throughout the years. There have been many accounts opened under my name, that Ive confirmed and reported as identity theft. Please remove this fraudulently account immediately ; that has been fraudulently compromised : XXXX XXXX XXXX XX/XX/2013 {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: Medical Business Bureau
State: IL

Complaint narrative:
I was in an automobile accident last XXXX and a bill from the accident was paid by my insurance ( or so i was told ) and then 6 months later a collection company reports i owe them {$50.00}. I was never called, never recieved a letter, no communication what so ever and they were allowed to put something on my report on XX/XX/2018 which dropped my score 30+ points and caused me to be denied credit because if them. I still have never recieved anything from them saying i owed then anything. I finally got them on the phone and paid {$50.00} just to resolve it quicker but they improperly ruined my credit for several months and now will have to wait for them ti remove it when i was not even told about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I never received correspondence from this company regarding the debt. I found it reporting on the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
State: IL

Complaint narrative:
This company/ Collection agency ( Atg Credit ) reported that I owed {$27.00} dollars to them for the original creditor XXXX XXXX XXXX. Atg Credit reported a negative report to the Credit reporting agency XXXX on XX/XX/2018. I called to verify the information and asked them to send proof to me of the transaction with my signature on documents showing it was me and they declined to do so. The Act # is XXXX. I explained to them that the account does not belong to me and it is not mine. The information for Atg Credit is as follow : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and their phone number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation
State: AL

Complaint narrative:
While making a return at XXXX, I was declined saying that I had " check ( s ) on file. '' I had to call XXXX XXXX XXXX at XXXX. I tried calling the number, but it was automated & could not get a person. It referred me to a website because I did not have a decline number. I could not get a decline number on the website and it was of no help. I XXXX the company and it is come sort of scam! People have had this problem with XXXX, XXXX XXXX, and XXXX ( who writes a check to XXXX? ). The people have gotten the run-around, additional charges added, etc. Unfortunately, I entered my routing number, account number, and driver 's license number on the website, though this scam was attached to my driver 's license number when entered at XXXX. I have called my bank and they have no record of me writing a check, but put a note on my account about this company. I have submitted reports to the XXXX XXXX XXXX and to the State Attorney General. I have faxed XXXX XXXX and asked for someone to contact me. Nothing yet. Says it could take 30 days for them to respond!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: PNC Bank N.A.
State: OH

Complaint narrative:
The problem withdrawing money from an ATM is that I didnt perform the transactions! My PNC Smart Access debit card was stolen and fraudulently used to withdraw funds. I lost over $ 2k. I filed a fraud form with PNC a few weeks ago and I havent heard back from them. Im still waiting for my funds to be refunded. Im attaching the fraud form I sent PNC. The fraudulent transactions can be found on the form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts and security to my credit report without my requesting it. This is a violation of FCRA regulations. I am providing my id info to verify my identity and as proof that I never requested these alerts ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
A personal loan, and credit card, and a XXXXXXXX XXXX account were fraudulently opened on my behalf with in XXXX XXXX, Co. I have never resided or was stationed in XXXX  XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. 

The following accounts were open : Navy Federal Credit Union Personal Loan : - $ XXXX- currently charged off. 
Credit Card : - $ XXXX- currently charged off. 

XXXX XXXX ( XXXX XXXX XXXX ) : - {$120.00} - currently collections I have requested information regarding these accounts from XXXX, and to no avail. 

Navy Federal has sent me a fraud account letter which I have completed and returned back to Navy Federal XX/XX/XXXX. 

I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I left the U.S. in early XXXX  to spend the summer in XXXX. I returned in early XXXX. During this time I had an outstanding balance on my XXXX XXXX credit card of {$46.00} which was the final payment in a promotional offer I took advantage of earlier in the year. It being the final payment it was an odd amount that was different from the previous automatic payments I had set up. I was not receiving monthly statements so when I arrived in XXXX I checked my balance in order to pay the balance in full which I did. In spite of the fact that the payment was made in full I was charged {$24.00} in deferred interest however this deferred interest did not appear on the total balance due which was posted when I checked on line so I was unaware that there was anything further due until I returned home and looked at the XXXX statement which now is up to {$53.00}. If the interest had been applied when it became due I would have been aware of it when I checked the balance and I could have handled it then. Upon speaking with a representative I was told that if I had called in XXXX they could have removed the charge but because I waited until XXXX there was nothing they could do. I was told I could fax my complaint but I don't have a fax ( haven't had one in 10 years ). I was told they could not go back more than 60 days over the phone so I was left with no other alternative than to submit this complaint to the CFPB for resolution. Whatever the miscommunication was that resulted in this, I do not think it's fair that I should be penalized {$53.00}. If the deferred interest had been posted in a timely manner it could have saved the confusion. Thank you for your help in getting this resolved. I would also like to make sure that my credit rating does not reflect this error. If you check you will see that I am very responsible with handling any outstanding debt that I take on and it would be extremely unfair for this to be used against me. Again, thank you in advance for your help. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-27 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: AZ

Complaint narrative:
The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not mine : XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, and XXXX XXXX, XX/XX/2018.

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 2018-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been a chase credit card holder for close to 40 years as ha my mother and my deceased father before us since the XXXX.Attached please find some old my credit cards going back to the XXXX. 

Accidentally I found out yesterday that all 3 of my accounts were closed. There was no notification as required and it took numerous calls to get to the person who was responsible for this. She was disrespectful and unhelpful. She basically told me that after all these years chase decided to end their relationship with me. 

This all had to do with my XXXX year old mother whom I am a caretaker for. She legally XXXX and totally uneducated and unsophisticated with regard to these matters. I have devoted the last years of her life and all of my life to taking care of her in all matters relating to her health and finances, She is also a XXXX   XXXX who suffers from acute XXXX and XXXX.This can all be corroborated by her XXXX and primary XXXX doctor. 

When I requested detailed information, She was not willing to provide it. Some of the things she told me were completely fabricated. To think that they would treat a customer who has been with them all these years and with whom they profited from is absolutely outrageous. 

I have had a great deal of aggravation form Chase now for 2 years.They have closed my bank account, my mothers bank account, and all of our credit crds. I have written to XXXX level executives but they were all unhelpful. A Ms XXXX XXXX seems to be responsible for all of this. Chase is a bank without a heart.  The closing of all these accounts can affect my credit negatively and I will hold Chase legally responsible for this and will see legal redress for this. 

Thank you for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: IA

Complaint narrative:
I've asked them to please stop calling my work. They know it's my work and they keep calling. I've told them I will get a lawyer involved they obviously didn't care because they keep calling me here at work. They've called at least 4 times or more at least once a day. The last phone call which was this morning @ XXXX XXXX on XX/XX/XXXX18 I told them I'm going to call the local authorities and the lady told me that's fine. I have them on a recorded line each time they have called and have notified my employer of this as I feel they are harassing me. This needs to stop. The other times they have called me are : XX/XX/18 @ XXXX XXXX XX/XX/18 @ XXXX XXXX  XX/XX/18 @ XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account WELLS FARGO DLR SVC/ Date opened XX/XX/2012 which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I and my wife who is now deceased as of XX/XX/2016 applied for a second mortgage and was accepted by Bank of America at 11 % Because of high interest at that time we accepted the Loan. I am XXXX years old with social security and civil service pensions, Since my wife is deceased I no longer have her income to make payments. I recently applied to Bank of America at XXXX XXXX XXXX XXXX FL XXXX, XXXX for a loan modification to reduce my interest rate and payments, and was refused. I believe that the reason that the bank refused was that I am XXXX XXXX with a postal address in a city of predominant XXXX population. My Post Office zip code is XXXX XXXX XXXX IL, although my home is physically located in XXXX Illinois. I believe that all of the homes located in XXXX XXXX XXXX are appraised below their actual value because of XXXX occupancy. I am a veteran with service twice and am XXXX  XXXX XXXX XXXXXXXX.

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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm writing this letter in a 3rd attempt to inform you my identification has been fraudulently compromise. throughout the years. There have been many accounts opened under my name, that Ive confirmed and reported as identity theft. Please remove this fraudulently account immediately ; that has been fraudulently compromised : Bankruptcy : Dismissed CH-XXXX XX/XX/2013 - XXXX US DIST CT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is regarding a {$1100.00} charge to my Chase Visa card on XX/XX/18 identified on the credit card statement as : XXXX XXXX XXXX XXXX CA XXXX 1 XXXX XXXX XXXX 2 XXXX XXXX XXXX 3 XXXX XXXX XXXX 4 XXXX XXXX XXXX ; I was notified immediately by an email alert from Chase that this charge had been made. ( I receive these for all charges made to this card ). When I read the email alert, I immediately called Chase to inform them that this was an unauthorized, fraudulent charge. The account was closed and I was assured that I would not have to pay this. A {$1100.00} credit was issued to my account. This was on XX/XX/XXXX. Now I have received a letter from Chase dated XX/XX/18, stating the charge was posted to my bill. Reason : " You received benefit from this transaction. '' I again spoke with Chase on XX/XX/XXXX, the rep handling this issue reopened the dispute, but called me back on XX/XX/XXXX and informed me that the fraud dept would decide on this and inform me of their final decision. I called XXXX, spoke with XXXX on XX/XX/XXXX. They had a passenger for this ticket that used my name. I was able to find discrepancies : the email address used is not mine, and DOB from the passenger 's ID is incorrect. XXXX referred this issue to the fraud dept by " filling out a form. '' I am waiting for callback from them ( XXXX ).

Company response to consumer: Closed with explanation