vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 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: SUNTRUST BANKS, INC.
State: AZ

Complaint narrative:
1. Hard inquiry from XXXX XXXX on XX/XX/XXXX, that I did n't know about.

2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about.

3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about.

5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.

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 2018-01-24 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: WA

Complaint narrative:
LastXX/XX/XXXX, I sent this company a dispute letter disputing several items that have been reported incorrectly and notified them what these issues are. To my dismay, upon downloading my credit report today, XX/XX/XXXX, my credit report still shows incorrect information and several missing information. From remarks/comment saying that the account was disputed to inaccurate and incomplete payment history. They are incorrect information as well such as the account opened date and Highest balance. Attached to this complaint is a copy of the letter I sent this company dated 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 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington charged me a " return item fee '' for my XXXX XXXX payment this past month. The money should have been there but it was not because the returns that I have done were not processed in time even though the merchants had given me shorter timelines than they ascribed to. 

Furthermore, Huntington has consistently allowed me a grace period of one day to pay my XXXX XXXX payment. Somehow, they decided not to do that this month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2017, Chase Bank notified me that they were closing all of my savings and checking accounts and canceling my credit card. They gave no reason and gave me one month to empty my save deposit box. I had already paid the 1 year rent on my safe deposit box and the XXXX, CA branch refused to credit me the remaining months. I have always maintained the minimum balance and can not figure out why my accounts were closed. I was not given sufficient warning and my credit card was denied while dining with friends. This was very embarrassing and inconvenient. Thank you for your investigation into this matter. I have attached documents received from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have a XXXX XXXX account that went into collections with Portfolio Recovery Associates, both are showing on my credit report for the same account. This is a violation of the Fair Credit act and I have requested that it be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
I fell behind on my mortgage. I hired an attorney to help me apply for a loan modification. My attorney faxed in my application and a third party authorization to Carrington Mortgage on XX/XX/XXXX. My attorney has been calling Carrington since then and they claim they still do not have the third party authorization uploaded into their system. They confirmed they had the application but they are purposely evading allowing my attorney to speak with them and thereby evading review of my application. As of today XX/XX/XXXX they still have not recognized my attorney 's third party authorization. They then tried to call me today on my cell phone asking for me to speak with them. I told them my attorney faxed you an authorization over a month ago and Carrington has purposely avoided recognizing that authorization. They tried to tell me they are missing paperwork and I told them I have an attorney and my attorney is the one who is handling all of this for me. Carrington is obviously trying to block my attorney from being able to help me. They evade review. Avoid conversations with my attorney by falsely stating they ca n't see the attorney 's authorization, however they can see my financials and application which was sent the same day with my application. My attorney says this is against RESPA Regulation X. Carrington is not allowed to evade review and they are now over the 30 day limit allowed to completely review my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
1. Hard inquiry from Citizens Bank on XX/XX/XXXX, that I didn't know about. 
2. Hard inquiry from XXXX/XXXXr on XX/XX/XXXX, that I didn't know about. 
3. Hard inquiry from XXXX on XX/XX/XXXX, that I didn't know about. 
5. Hard inquiry from XXXX on XX/XX/XXXX that I didn't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
1. Hard inquiry from XXXX XXXX on XX/XX/XXXX that I did n't know about. 
2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about. 
3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about. 
5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: NC

Complaint narrative:
Hello, In regards to the entry of : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, ACCT # XXXX - XXXX XXXX XXXX XXXX XXXX, AS OF XXXX XXXX, 2017 {$320.00} AT : XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this credit collection entry. I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. With the on-going Equifax security breach, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. 
XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You are n't as much ... why? 
REMOVE THIS ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Sir, I am a customer of Citibank ( checking XXXX ) and I desired to make a private investment to a counter-party from such checking account. 
The investment agreement required me to have paid by XX/XX/XXXX and included a {$500.00} late-payment penalty if my funds were not available to the counter-party by such date. 
I triggered a check payment onXX/XX/XXXX through the citibank portal, and, given that my checking account had ample funding for the transaction ( and continued to have ample funding throughout ), the Citi-portal issued the corresponding check. 
The check arrived at the counter-party XX/XX/XXXX. With the check-arrival confirmed and ample funds in my bank I left for an extended trip into the XXXX region in XXXX, where I was offline for 10 days. 
The counter-party managed to cash the check, however, the debit to her account was immediately reversed by Citi 's internal fraud department, who suddenly, without any reason to do, decided that this was an unusual transaction and that they needed to speak to me on the phone to confirm 10 (! ) days after the check was issues through the citi portal, and one day after it was deposited by counter-party. 
As I was offline citibank could not reach me an called back the funds. 
As a consequence defaulted on the contract and had to pay {$500.00}. I have been in many many correspondences with Citi to reclaim the  {$500.00} without avail. 
My complaint is as follows : When issuing a check from a funded account I need to be able to rely on citibank making the payment. If there are doubts in citibank 's fraud department then those need to be addressed as the check is issued - not 10 days later when the check is cashed. 
Citi needs to own its mistake and make me whole.

To be very honest - with the time and effort I have investment to this date I feel {$1000.00} is more appropriate at this stage, as Citi is now  delinquent for 18 months. 
Best regards, 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 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: MN

Complaint narrative:
during the summer of 2017 my home was damaged by hail. I turned a claim in and the insurance company sent an adjuster out. the insurance company issued a check which was made out to myself and Bank Of the West. I signed the check and asked BOW to deposit it in my acct. Bank Of the West never put the money in my account, but rather held it till the repairs were completed. well the repairs were completed a month ago, and the cost was much higher than the insurance believed it would be. I paid the last {$2000.00} out of my pocket, but yet Bow wont release the remaining {$890.00} from the insurance settlement. I own the home, I own the policy, and I paid for the repairs. My mortgage is current, it has never been slow, short, or not paid. I believe the Bank of The West is guilty of insurance fraud since they are withholding funds that were destined to be used on the repair of my home.

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 2018-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I 'd like to use my TD Bank account with 3rd party services. I 've tried using 2 different accounts and 2 different routing numbers. Unfortunately, their support says that all they see on their end is the time I tried using the wrong routing number and does not offer any helpful information as to why nothing else works.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affiliated Creditors, Inc.
State: OH

Complaint narrative:
I check my credit score about 3 times a year. 
After checking my score this tax season, I noticed that my intuit " mint '' account shows a new account open under my name that I did not open. Below is how it shows under my open account details. 

**I have never heard of this company or made any payments to them. This is not an account that I opened nor have I opened any new accounts. I am afraid this is fraud. 


Company : " AFFILIATED '' Account type : Installment Sales Contract Opened : XXXX XXXX, 2017 Status : Open Limit : {$0.00} Term Monthly ( due every month ) Monthly payment {$27.00} Responsibility : Individual Account Balance : {$160.00} Highest balance : {$320.00} Payment status : Pays account as agreed Worst payment status - Date of last payment - Amount past due $ XXXX Times 30/60/90 dates late 0/0/0 Remarks - PAYMENT HISTORY **Currently shows that I have made payments for XXXX, XXXX, XXXX XXXX, XXXX XXXX am 100 % certain that I did not open this account and have no connection to it. 
Looking at my credit history/ payments, I have never made a late payment and am very aware of all outstanding debts. 
I currently do not have any credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: NC

Complaint narrative:
Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, ACCT # XXXX - XXXX XXXXXXXX XXXX XXXX XXXX, AS OF XXXX XXXX, XXXX {$320.00} AT : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this credit collection entry. I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. 
XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You are n't as much ... why? 
REMOVE THIS ASAP!

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 2018-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: CA

Complaint narrative:
I started receiving these calls from XXXX XXXX XXXX in XX/XX/XXXX, and the messages always say " Hi this message if from XXXX XXXX XXXX, this is a call from a debt collector, please call XXXX '' but the extension provided is always different. The message is typically very rushed and barely audible. 

To my knowledge, I do not have any overdue payments. Today XX/XX/XXXX XXXX, I finally gave in and called them back at the phone number they called from ( XXXX ), and the woman who answered the phone would not give me any information, and simple put me on hold after asking me for my name. I was on hold for quite a while so I hung up and called back. I spoke with the same woman and asked her what this was about and again she would not offer any information and told me she needed to place me on a brief hold to get me to the person handling my case. I was on hold for a while and got spooked, so I hung up. 

Please help me figure out if this is a legitimate call worth following up on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have hired lexington law to dispute inaccurate information, however Transunion, XXXX and XXXX are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.

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 2018-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
The account with simons agency isnt correct. I was in insured at the time and now the hospital says i owe XXXX. I gave birth and was completely insured so this is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account. 

It has come to my attention that there may have been some accounting irregularities in this account, which have adversely affected me. In reviewing the account it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. 

This discovery process has been presented under Notarial Seal for the purpose of certifying the admissions, confessions and stipulations of the Parties, to create a public record thereof, via the issue and filing of an Administrative Declaratory Judgment, by Notarial Protest. Said Administrative Declaratory Judgment is issued under statutory authority and under the authority of the Secretary of State, acting as an agent of the Department of State, and carries the power and authority as if issued by the highest court in the land. Said Judgment constitutes res judicata, star decisis, collateral estoppel and judgment by estoppel. 

Please take note that this discovery process has been served under Notarial Seal and valid subpoena establishing your mandatory obligation to timely respond and/or rebut the following, point by point and line by line, verified true, correct and complete, signed, sworn to and notarized in affidavit form and to provide certified copies of the requested documentation. 

Please respond and/or rebut the following points in the attached affidavits and documents, point-by-point and line-by-line, in affidavit form, and provide documentary evidence to support your claim.

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 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a capital one account that went into collections with XXXX XXXX XXXX, both are showing on my credit report for the same account. This is a violation of the Fair Credit act and I have requested that it be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OpenRoad Lending
State: FL

Complaint narrative:
I received documentation from OpenRoad lending offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: GA

Complaint narrative:
I have hired XXXX XXXX to dispute inaccurate information, however XXXX, Equifax and XXXX are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have hired XXXX XXXX to dispute inaccurate information, however XXXX, XXXX and Experian are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.

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