vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I see some unauthorized inquiries on my credit report with Experian, I tried to dispute online but it cant work, when I call they put me on hold forever. 

here are the unauthorized inquiries that need to be taken off XXXX XXXX XX/XX/2019 XXXX 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 2019-11-22 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: TX

Complaint narrative:
I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. XXXX XXXX,, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 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:
Transunion has yet to answer to why XXXX appears on my credit file in which they say. I don't need to provide documentation due to the fact Transunion has not provided nothing from XXXX in regards to why hard credit was ran with no documents on there part nor has Transunion provided any proof on there part to why XXXX is showing. on my Transunion account I did not give sign or agree on phone or internet to running hard credit. Transunion does nothing but give some run around answer with no proof from Transunion.There has been nothing back to XXXX XXXX regarding them running credit nor has XXXX responded to transunion other wise to show any documents sign or permission giving to run credit. It's fraud and transunion has no proof and needs to delete XXXX or provide proof not me I have no proof from 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 2019-11-22 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: TX

Complaint narrative:
I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. XXXX XXXX,, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
XX/XX/2018-I signed a personal " unsecured '' loan for approximately $ 33k for home improvements roofing, siding and doors.I was promised in writing no lien would be placed on my home if financed through XXXX  XXXX XXXX and Aqua Finance Inc. " No lien '' was on their main web site and further emails I received. I was told verbally at least 6 times no lien will be filed.Aqua Finance company placed a UCC lien on my home without my knowledge.I was told by both entities no lien would be placed. After reviewing contract after discovery of lien, contract uses verbiage on application referring to UCC, security interest. VERY misleading and dishonest. If at any time I was notified by Aqua finance that a lien would be placed, they used misleading verbiage. XXXX  XXXX XXXX claims Aqua deemed it necessary to lien because the loan amount was over {$25000.00}. I was never informed or notified of intention to lien. Aqua refused my request to review the phone call of myself and Aqua authorizing the transaction and what was recorded. I specifically asked and clarified no lien on the call. XXXX  XXXX XXXX  has removed their " no lien '' advertisement since my complaint and has not resolved anything. All payments have been on time and I pay more than the agreed payment. Never late!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: IL

Complaint narrative:
I was referred to Wyndham Capital Mortgage from XXXX. On XXXX XX/XX/2020 at around XXXX CT, during a phone call with XXXX XXXX at Wyndham Capital Mortgage , she performed a hard credit pull without my permission. XXXX made a misleading request to authorize a hard pull. I believe that she used vague language on purpose to try to trick me and that this practice may be widespread at Wyndham Capital Mortgage. 

She first asked me : " Is it OK if I pull up your liabilities? '' I knew she might be wanting to do a hard credit pull, so I asked her " What do you mean by that? '' Then she said " Can I get your credit pulled up? '' Again it was unclear to me what the phrase 'pulled up ' meant. So I asked her if she was asking to do a hard pull or a soft pull. After her response, I said " I authorize you to do a soft pull. '' Then I got a notification from XXXX XXXX saying that a lender had pulled my credit and I immediately told XXXX that I did not authorize a hard credit pull. 

I believe that XXXX purposefully made an unclear requests to 'pull up liabilities ' and 'get your credit pulled up ' to try to trick me into saying 'yes '. I believe that Wyndham Capital Mortgage may be encouraging this sort of  misleading behavior for other customers too, which is why I'm reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio America Asset Management, LLC
State: NJ

Complaint narrative:
They call multiple times through out the day. Have spoken to family members with out my permission who have answered my phone. Sending repeated mail. I have asked them to stop and they continue to call. I have the paperwork. This has been going on for months. At first I did not know that XXXX sold my debt. So I didn't know what it was at first. But it is at a point where I can not even answer my phone because they are calling from multiple numbers daily. The name of the company is Portfolio. They are totally stressing me out and putting me under mental anguish. At this point they should be paying me..

Company response to consumer: Untimely response
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This depth just appeared on my credit report today out of nowhere my credit report is being monitored for previous Fraudulent actions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX or XX/XX/2019, I took a money order ( and a cash advance ) from Chase for {$10.00}, and the total was {$15.00} including the {$5.00} additional charge for the money order. I took a cash advance while I have a credit card with Chase, I have no checking or savings account there. I pay off my credit card bill every month, in full, and have done so for the entire time I've ever owned / used any credit cards. I was fully expecting that I would pay for that {$15.00} at the end of month, and that would be the end of that. 

2 months later, in XX/XX/2019, I was still being charged an interest for this money order, so I called and asked why this was still happening. Apparently, according to the customer service representation, despite paying off my credit card bill every month on time, Chase " can not '' bill me for the interest that accrues during the full month until the next month 's statement, so interest will continue to accrue FOREVER and without end and I would have been charged for the next few decades in increasing amounts unless I specifically call and request that all interest and payments are paid off as of the date you call. 

This is predatory behavior. I had no issue making the full payment of the interest that was remaining, but I imagine many consumers would have been deceived and vulnerable to this ridiculous practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
This business contacted me about a debt unrelated to me. I have no relationship with this business and they confirmed I do not have any business with them. This is an unsolicited call and potentially harassment if they attempt to contact me again. I am not the person they are looking for and just because I have the same last name and live in the same state as the person they are trying to contact does not mean I should be receiving collection calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
One of the account holders, who unfortunately, is not very familiar with bank policies or what type of information a bank institution can request over the phone, provided information under the impression that " the bank '' was contacting him due to suspicious activity on the account. He provided information that should have not been given and a few minutes later there were a total of 3 fraudulent XXXX withdrawals made on XX/XX/2019. One was in the amount of {$160.00}, another in the amount of {$750.00} and another in the amount of {$750.00}. 

A claim was filed with the bank institution immediately once these transaction were noticed on the account. However, we recently received notification that this claim has been denied and we will have to pay {$750.00} back to the bank.

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 2019-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
Complaint : Preditory Lending Car Loan XXXX XXXX XXXX XXXX XXXX, AL Date of Loan : XX/XX/XXXX Financial Institiution : XXXX  XXXX  Account # : XXXX XXXX XXXX XXXX XXXX amount financed : {$30000.00} APR : 9.29 % Loan Duration : 72 months Monthly Payment : {$560.00} I had lost my job 1 year before ( XX/XX/XXXX ) the loan and my wife and I were struggling with our finances. Our only vechicle ( XXXX XXXX XXXX ) and at the time it was have some mechanical issues and we were in an emergency replacement mode. I was under so much strees at the time but, I had to have a vehicle in order to work. XXXX XXXX took my XXXX  in trade ( est. {$9000.00} ) and still financed the loan at more than double of the value. Given my age of XXXX yrs old I couldn't find work in my field and was suffering from a finacnical hardship and XXXX XXXX took advantage of my vulnerablity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS # XXXX XXXX XXXXback in XXXX I was XXXX  on XX/XX/XXXX I had a beginning balance of that I don't know what was I don't have the account number from that time until the account was closed in the summer of XXXX I had no activity in the account because I was in XXXX XXXX until XXXX I notified the bank in XXXX that I was in XXXX and they told me that I owe them {$510.00} for a bounced check in Missouri and I told him that any activity during the time I was XXXX  and a time that was close the account was closed on a bounced check in Missouri was all a somebody else doing not me because I was in XXXX I told him don't that it was be under criminal  investigation so I hope they have all their the files on it they won't give me any information on my account at all they won't give me the account number I have all the information from social security on what was deposited into the account I have a letter stating when I was in XXXX  and XXXX  and I have a run around letter from Bank of America where they won't give me any information it's under criminal  investigation right now so if they destroyed any of the evidence they destroyed evidence in a criminal   investigation they had a copy of my ID so nobody else should have been able to take anything out with an ID because it wasn't me now I can't get the I can't get Bank of America to send me any information on when all the 30 proximately {$34000.00} that was taken out of my account while I was in XXXX  and XXXX and it's in the bounced check they keep putting fraudulent information out on the checking 's system in my credit so that's why are frog so they are committing crimes against me right now

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 2019-11-22 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2019-11-22 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2019-11-22 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I Literally only have 1 active XXXX card bal XXXX 1 XXXX  XXXX XXXX XXXX card bal should be XXXX but they keep chargind me ( a complaint I will give you later ) and 1 XXXX XXXX XXXX  XXXX ( XXXX TX ) bal XXXX on my car. 

Today I was told that on my Experian report which I temporarily unfroze ( so potential landlords can have access and for an auto loan with XXXX XXXX ) that there are several accounts over 60 days late. 

Impossible the accounts above is all I have. Who regulates Experian and the employees dealing with the information that goes on my account. I have spoken to you several times before about incorrect info or old information. This rises to the level of abuse and fraud on my data that needs a cease and desist action. 

I am looking for an apt and that error on my file is causing me to be wrongfully denied. Moreover the apts need to be concerned with my rental history not my personal credit.

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 2019-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This afternoon I went to the Bank of America, located on XXXX XXXX  XXXX XXXX in XXXX, GA. I dealt with a XXXX XXXX. When I walked into the branch, this woman said nothing to me and did not acknowledge me at all. I got in line. I was in line for roughly about 5-7 minutes, before she approached me, asking what I needed. I told her I was cashing a check. She asked me if I was an account holder. I told her no. She asked me to get out of line, even though that I had one person in front of me, and sit in their lobby area because they needed to verify checks. They serve everyone that are account holders FIRST and they they go to the non-account holders. That is a very discriminatory practice. I was there to cash a XXXX check that was issued to me by XXXX XXXX XXXX XXXX, because of a dispute that I initiated because my XXXX year old was scammed on XXXX XXXX. She didn't acknowledge me when I first walked in and then I have to wait, when I could have been one of the first people over there. I asked for her business card and her supervisors information. I left out and then I came back in and asked to speak with XXXX. She wasn't there but someone called her at another location. She was supposedly with another customer. I sent her 2 emails and she has yet to respond to me at all yet. So I decided to file a complaint and my cousin who is a XXXX XXXX is going to advise me on whether I have a legal claim or not against Bank of America. 

My mother says at the location that she banks at doesn't do this. My cousin who banks with them states that they don't do this either. I am not happy about this at all. 

I ended up not cashing the check. I will be depositing it at my bank instead.

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 2019-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
Company contacted 2 relatives leaving personal information re : me and implied I was going to be sued. The collection company is Alliant Capitial Management located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Tel # XXXX. 

I have asked for a breakdown on what has been paid and they have not respned to my emails. They are rude on the phone and always say I am rude. I want to settle for the loan. Orginal amount was XXXX and I have paid way over the orginal amount. The tatics of collections were not in compliance of fair practices leaving personal information with others and threat of lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
FINAL 3 day notice to pay rent Bluebird by American Express did not make my bill payment to my rental office XXXX

Company response to consumer: Closed with explanation