vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 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: MA

Complaint narrative:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau FCTUALDATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FCTUALDATA XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX FCTUALDATA XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FACTUAL DATA XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian RENTAL PROPERTY XXXX XX/XX/XXXX Experian RENTAL PROPERTY XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX   XXXX XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  I need those hard inquiries removed from my credit report.

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 2018-07-03 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: NY

Complaint narrative:
I'm writing to please ask for some help to get this fraudulent item remove from my credit report it is causing a lot of heath issues i have XXXX XXXX XXXX i have to get alot more medication because of this fraudulent account on my credit report its the next step i will have to get my attorney to help me out about this issue

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 2018-07-03 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: FL

Complaint narrative:
This company is attempting to collect for an account I never had or opened. This is a fraudulent account that I did not open or affiliate with. I want this collection account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
I'm writing to please ask for some help to get this fraudulent item remove from my credit report it is causing a lot of heath issues i have XXXX XXXX XXXX i have to get alot more medication because of this fraudulent account on my credit report its the next step i will have to get my attorney to help me out about this issue

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 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Nothing in the boxes covers my complaint but to explain. I am XXXX and my name is Mrs XXXX XXXX. I am XXXX years old and I do not know the systems in the USA. However my dispute is with the Bank of America and although I have tried every which way I can I have gotten nowhere so I wish to entrust the CFPB. 
In XX/XX/XXXX I was awarded a huge compensation payment from the UN plus others. 
I received notification from the Ceo and President Mr XXXX XXXX. The payment was for {$30.00} XXXX usd which was lodged with the Bank. The proposed actions were to transfer the money into an account for me in my name. Mr XXXX XXXX XXXX who is the co-head of consumer banking. I was not advised at this time I would be responsible for numerous fees. It began with opening the account charged at {$500.00} then {$390.00} for activation. I had two other fees added for {$250.00}. Another {$190.00} for signing papers to be done by an attorney Mr XXXX XXXX at a cost of {$20000.00}. Then came the news the dates on the account cards were out so {$650.00} was needed for updating The bank wanted {$250.00} as a keeping fee and another {$250.00} for a courier fee, This all happened in XX/XX/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 2018-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
On XX/XX/2018 I did submit an application to open one ( 1 ) credit card account ( to get a discount on service ). 
The merchant told me that there was an issue with the computer/application process, and the application did not get transmitted. 
On XX/XX/2018 I received nine ( 9 ) XXXX  credit card in the mail. 
These Cards are issued by Citibank N.A. 
I am in the process trying to canceling all of them. 
I want to insure that my information is purged from Citibank 's system, that it does not " share '' my information that all the cards are closed, and that there are no other accounts open ( and will be no additional accounts opened ). 

Additionally I would like to know the reason that the multiple accounts were opened and by who.

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 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: FL

Complaint narrative:
Equifax is inviolation of the FCRA Federal law, they are illegally opening anc closing and account listed on my credit report and updating the balance from XXXX to {$15000.00}. I have filed complaints with the attorneys general office and I plan to file a lawsuit if equifax does not permanently close the account listed as XXXX XXXX XXXX XXXX because it was paid in full on XX/XX/2018. I have provided proof to equifax that this account has been paid in full and they are still illegally reporting this account on my credit reports and illegally opening and closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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 — Investigation took more than 30 days
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I made a dispute with credit karma regarding XXXX XXXX, a third party creditor that is reporting incorrect information and also with XXXX XXXX XXXX that is being reported as included in bankruptcy. 



This claim was made in XX/XX/XXXX, since this time XXXX XXXX has been under investigation with XXXX XXXX for over 3 months and then today, XX/XX/XXXX received response that the information is accurate. This is totally false and hindering my credit. I provided a ledger from XXXX XXXX Hospital to XXXX XXXX showing I did not owe any money to this 3rd party creditor, ( XXXX XXXX ). This information is being inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
I was in an accident that resulted in my vehicle being a total loss on XX/XX/18. I informed prestige financial I could not afford payments because of pending medical claims I had due to injuries from the accident. I informed them once a settlement was received I would take care of remaining balance. On XX/XX/18 a representative from prestige financial called another branch in XXXX XXXX va from XXXX to verify employment and the address. my correct employment information and phone number was listed in their website and has never changed and they were aware of why I have not been able to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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 — Investigation took more than 30 days
Company: United Consumers Inc
State: MD

Complaint narrative:
I made a dispute with XXXX XXXX regarding United Consumer, a third party creditor that is reporting incorrect information and also with XXXX XXXX XXXX that is being reported as included in bankruptcy. 



This claim was made in XX/XX/XXXX, since this time United Consumer has been under investigation with XXXX XXXX for over 3 months and then today, XX/XX/XXXX received response that the information is accurate. This is totally false and hindering my credit. I provided a ledgeXXXX from XXXX XXXX Hospital to United Consumer showing I did not owe any money to this 3rd party creditor, ( United Consumer ). This  information is being inaccurately reported.

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 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
ON XX/XX/XXXX OF 2018 THERE IS A CHARGE TO MY ACCOUNT OF {$160.00} FROM XXXX, I DIDNT HAVE ENOGHT MONEY AND PEOPLE UNITED BANK PAID AND CHARGE ME {$37.00} FOR OVER DRAF, FINE THEY PAID I SAID IN MIND, ON XX/XX/XXXX I WHEN AND DEPOSIT {$500.00} AND MY NEW BALANCE WAS XXXX BECUAE THE THE XXXX THEY CHARGE WITH I WAS FINE WITH IT, BUT TODAY XX/XX/XXXX I GET BANK IN TO ONLINE BANKING AND I SEE THEY RETURNED THE XXXX TO MY ACOUNT AND THEY CHARGE ME AGAIN {$37.00}, SO THIS PEOPLE IS CHARGE TWICE FOR THE SAME TRANSACTION, I CALLED THEM AND THEY DIDN'T GIVE A SOLUTION, MY COMPLAIN THEY CHARGING TWICE FOR THE SAME, HOW UNFAIR BASICALLY THEY CHARGING {$74.00} TO MUCH MONEY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I took a XXXX dollar loan out I have paid roughly XXXX dollars. I went on the web site thinking it was paid off, to my surprise the XXXX dollars only XXXX went to the loan. So my payment being paid biweekly was XXXX only XXXX dollars went to the XXXX every pay period. So on a XXXX dollar loan if I didnt catch this I could have payed over XXXX dollars on a XXXX dollar loan. How is that even legal? I would have never gotten this loan if I had known this. When I called the supervisor still wanted me to pay the XXXX. So that would still put me paying XXXX on a XXXX dollar loan. I was never explained that I would be paying interest every other week of XXXX dollars. They have gotten roughly XXXX dollars and only XXXX went to the XXXX dollar loan. This is crazy and how many more people have they done this to. There has to be fraud somewhere.

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 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T bank transaction fraud : I sold my house on XX/XX/2018. Closing was finalized and my attorney paid the payoff amount to M & T bank. 6 days later on XX/XX/2018, M & T bank withdrew another {$700.00} from my account for mortgage payment. 

I first called my attorney to make sure everything had been settled and they assured me it had and forwarded me the documentation. Then I called M & T bank to ask what was going on. A summary of the conversation is as follows Me : " I closed my mortgage on the XXXX and today ( XX/XX/XXXX ) I had another mortgage withdrawal from my account '' M & T representative : " I see you did close your account but you had auto-pay setup with us so it withdrew the money automatically. It is your responsibility to cancel your auto-pay or another payment like this will happen '' Me : " Don't you have any simple regulation logic in your system to check if a mortgage is closed and paid in full, to not take more money from a person 's account? '' M & T representative : " No '' Me : " Is there any way of you reversing this transaction '' M & T representative : " No we can't do that on our end. Sorry. But don't worry once accounting finalizes everything. If we took too much money we will just give you a check '' Me : " That doesn't seem right that you can just take more money than you are supposed to '' M & T representative : " I understand, but you were supposed to cancel your auto-pay and you didn't and this is why this happened. You will get a check with the amount if we took too much money '' Me : " Again, it seems weird you don't have some regulation in your system setup to prevent this '' M & T representative : " I'm sorry, is there anything else I can help you with? '' Me : " No '' It seems illegal for a bank to essentially take more money than they are allowed to from my account without my permission and claim it was my fault. Then tell me it is ok they will just send me a check at some unknown time in the future. It seems M & T bank is not being accountable for their actions.

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 2018-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I'm still disputing this account after receiving a word document which provided me a view in over billing duplicate codes and no records of insurance funds being received but this office billed. This is inaccurate and I would like to get this resolved ASAP This debt is not valid and I dispute this and a word print out provided doesn't make any sense at all. I had insurance and your states you never received any insurance funds as your records show you billed the insurance two months after the visit. I would like to see the signed authorization, details on the insurance billing. It also appears I was overcharged for code XXXX XXXX XXXX  XXXX and code XXXX XXXX XXXX {$85.00} why would I have been billed twice for these. This is inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover has called my job multiple times. Starting XX/XX/XXXX.18 until XX/XX/XXXX.18. When i called to tell them to stop because i can not have phone calls coming to my job on XX/XX/XXXX.18. The guy on the phone said that they will keep calling, and to make it stop they need a payment. I explained to him i started a debt management program, and i got behind but i will be dealing with them, and not Discover personally because i have an activate account with them. He then kept trying to set me up with a payment plan with him. When i told him no, he said they have my banking information on file. So i dont know what that was suppose to mean. I then repeated myself, and said i needed the calls to stop because my employer does not allow personal calls, he then said its an automatic system, we can do anything about it. I then told him that there is a way for them to remove my employers number. He asked for my personal cell, which i gave. But i am not sure if he actually did it because he was still trying to sign me up for the program with them. The two people that have called my job are XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: AL

Complaint narrative:
Someone needs to do something about American Education Services ( AES ). I do not understand their purpose other than this company is operating similar to a payday loan company. Even though I have verified that I am on XXXX, AES continues to increase the interest every month, and both loans of {$3300.00} each which total {$6600.00} has ballooned up to {$17000.00} ( see attached statement ). Why is the Department of Education allowing this thievery? When a student contacts the Department of Education it only hears " crickets. '' AES will not make adjustments to their loans for XXXX students as XXXX. They are sticking to their guns -- making money. From its actions, AES does not expect this student to ever pay off this loan because as the interest rate increases, this student is getting older ( at XXXX years old ) and income will continue to decrease. AES refuses to accommodate XXXX students other than a decrease in graduated payments. No decrease in interest rate, no adjustment in loan amount, no change in payment classification ( graduated payments ), etc. as XXXX. This student has limited income and even though AES has decreased the payments to {$50.00}, the interest continues to accumulate and the loan amount increases. At the rate AES is going, in 20 years the loan amount will be almost {$50000.00} for a {$6600.00} initial loan. This student 's original payments were {$74.00} two years ago and kept increasing up to {$89.00} until I made AES aware that I am on XXXX. In response to this awareness, AES only decreased the graduated payments to {$50.00} a month with continued increase in interest to assist the student. Where is the logic?

Company response to consumer: Closed with explanation