vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hard inquiries on my account that i did not authorize. Contacted Equifax and spoke to two agents who refused to help me. 

XX/XX/XXXX Creditor Name - - XXXX   XX/XX/XXXX Creditor Name - - XXXX XXXX   XX/XX/XXXX Creditor Name - - XXXX XXXX XXXX XX/XX/XXXX Creditor Name - - XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I was never notified of the foreclosure/auction date. I happened to get a notification last week from XXXX regarding my property and the auction. I instantly reached out to the Mortgage company to see what was going on and they said that I had been notified and that they would not speak to me regarding a modification. The company that I hired to help me through this process told me the name of the mortgage companies attorney. I called them looking for assistance and they told me that they sent me notification of this and when I started to ask them for copies of information, I asked her what address they were sending it to and they were sending the info to an address that I haven't lived at for OVER a year! I know the mortgage company has the correct address because they still send me statements. I called an attorney for myself and he reached out to the mortgage attorneys who said that the have advised their customer to postpone the auction and foreclosure until I have been given proper notification. My representative from the company that is trying to counsel me, has also reached out to the mortgage company and they are being very emotional over this. 
They are in the wrong as they did not provide me with the proper paperwork or time to try to rectify this situation. Hopefully allowing me the time to try to get a modification. The mortgage company said no and was still going ahead with the foreclosure. This doesn't seem right. All I want to do is work out a modification or payment schedule to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX a letter was sent to Synchrony Bank/ Sams Club in regards to an inquiry from their company dated XX/XX/XXXX. In that letter, I asked them that they contact ALL reporting agencies that they had reported this inquiry to as I did not apply for or currently have ANY open business with this company. 

I also asked them to provide me with copies of the documentation that says I gave their organization the authorization to view my credit history. 

This request was DECLINED and I received a template letter response from this company dated XX/XX/XXXX stating " the application for credit processed on XX/XX/XXXX matched the credit bureau file accessed ''. 

I did not apply, nor did I give my authorization for this company to access my credit report or to place this erroneous inquiry.

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 2019-09-06 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: AL

Complaint narrative:
I did not authorize these inquiries

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 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I regularly received solicitation from Huntington Bank for opening an account. They always ask for direct deposit. On XX/XX/2018 I received an offer to open an account with them and deposit at least {$1000.00} within 60 days and I would receive a {$200.00} bonus in my account. Well after I made the deposits I never received my bonus. I contacted the company service line and I was told that my account did not qualify. The rep said that I must have direct deposit of {$1000.00}. This was absolutely not true. The offer clearly stated deposit not direct deposit. I had been receiving offers from them and this one did not mention direct deposit. I feel like Huntington Bank defrauded me into getting a checking account with them. They used false advertising and defrauded me into doing business with them. I have attached a copy of the ad. At the bottom it clearly states no direct deposit needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
On XX/XX/2019 I was approved online for a credit card with HSBC Bank. On XX/XX/2019 I received two letters from HSBC. One without a date containing my new credit card with activate instructions. The other a dated letter from HSBC Bank USA, N.A., Fraud Prevention notifying me that they have have tried multiple times to reach me by telephone unsuccessful. A security block has been place on the account in question. When calling, please provide the reference number provided above. 

When I call any number provided by HSBC Bank it is almost always multiple hours of hours of holding on with my last call to fraud prevention department XX/XX/2019 took a fraud prevention specialist 5 hours to answer my call. Upon speaking with this representative I was informed that I would be receiving an email with instructions and to follow those instructions and submit the necessary documents in order to remove the temporary security block on my account. 

I submitted the necessary documents on XX/XX/2019 XXXX & again on XX/XX/2019 XXXX after discovering my account continues to be blocked by a security situation initiated by the HSBC security center without me making any complaint of fraud on my account to HSBC. XX/XX/2019 at XXXX a message is left at my contact number that I need to call them back again. 

Every communication ( Chat, phone, email ) I have had with HSBC results in representatives being liars providing false contact phone numbers and instructions on how to remove the security block without processing the documents submitted. I have recorded video/audio evidence all of my communications with HSBC and would love for somebody to examine it. 

Their is no excuse for any bank to create a high call volume by placing security blocks on newly opened accounts when most of the same information was submitted during the online application process that HSBC approved then denies to provide any service except not using my HSBC account by any means available to keep me uninformed.

Do not open any account with HSBC as it's nothing but a never ending head ache with apparently one goal. Eating the client!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
My son sold me his car on XX/XX/XXXX. His loan on the car was through GM Financial. 
I got a new loan on the car through my personal credit union. 
In Michigan, I need a clear title without the lean on the title to register the car in my name. 
Today XX/XX/XXXX, we have still not recieved the clear title. 
The check was cleared XX/XX/XXXX. 
I dont understand why I cant have the proper documentation I need to register my new car. I have been staring at it in my driveway for almost a month unable to drive it because it can't be registered to me until I get this paper clearing the lean on the car. 
GM financial wont send me or my son any documentation for me to get this car able.to register to me until XX/XX/XXXX. Then they told me I needed to wait up to 15 days for it to come by mail. 
This is absolutley ridiculous. How we he have been able to send this to anyone? The service with GM Financial has been horrible. I have been hung up on several times just trying to find a way to be able to drive this car and have my freedom of driving.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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:
TransUnion has my fathers credit card on my credit report. My fathers XXXX credit card is listed. We share the exact same name but hes XXXX and Im XXXX. His XXXX credit card was opened back in XX/XX/XXXX. The only credit card that belongs to me in the XXXX XXXX credit card that was opened 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 2019-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
To whom it may concern, I have tried to send the credit reporting complaint after complaint about dislitiqucy reports on my record. I had XXXX XXXX that are all paid off but they seem to refuse to take them off after i have asked the last 3 months. That is not reporting my credit report the right way by doing this please help. It is bringing my fico score down big time.. Thank u 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 2019-09-06 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT. 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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I am XXXX. I am having problems with my mortgage payments. I talked with a counselor and my payments don't add up. I have tried to work with the Mortgage company. They say I am behind since XXXX but I show my bank statements showing payments to them. I did miss XXXX and XXXX but they are saying I owed over {$3000.00} as of XX/XX/XXXX. Then they returned any payments I tried making after that. I got behind last XXXX but on XX/XX/XXXX I thought I got caught up, not missing a payment until XX/XX/XXXX. I was also behind in XXXX. I have a letter explaining all the details but mainly I was behind and was told to make 3 payments and they would work something out. I had the money and then they would not accept anything but {$8400.00}, which I paid even though my statement showed {$5000.00} because I didn't want any trouble. I later wrote a letter to find out where the money went but didn't get a response. I have all documentation. I never have had any paperwork from any lawyer or any documents sent to me or pasted on my house about foreclosure. I don't understand why there is over {$200.00} discrepancy on my monthly payment, why they keep telling me I owe from XXXX and my {$8000.00} payment isn't showing on the accounting sheet they sent me. I am not sure what to send you so I tried pasting major information including important dates, my bank payments, what Mr. Cooper 's statement is showing, fax transmissions and tax information. Please contact me if I am missing more. It has been extremely difficult being on XXXX and I do not want to lose my home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, Ally bank/financial started receiving repeated harassing calls, pre recorded voice mail. XX/XX/XXXX I instructed Ally to stop calling my number, they have continued to call. Ally was also told in XXXX not to call my phone number. ally did acknowledge my request for a year. However they have started very annoying and harassing calls as stated earlier.

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 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
Lexis Nexis is giving insurance company false information about my driving record and claims. XXXX XXXX, XXXX and other insurance company has give me quote and reason perium is higher is because of Lexis Nexis false report stating I have violation. I have never had a violation. I ask Lexis Nexis to remove this incorrect information, I was told it was remove but every time I get a new quote the same incorrect information from Lexis Nexis. I call them again was put on hold and no one answered or when the did answer phone worker hang up phone. I have made a report to department of financial services case number XXXX. Department of financial services said  the do not regulate Lexis Nexis and I show write them a letter. This is my last option. I have this problem more than 1 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I see an account in collections on my Experian credit report which I paid off in XXXX. 

I submitted a dispute on XX/XX/XXXX that the account is paid in full and must be deleted. 

Amount {$1600.00} - Experian Account # XXXX Experian took more than 30 days to investigate and did not delete the information.

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 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK
State: FL

Complaint narrative:
City National charged interest fee on two of my accounts on XX/XX/XXXX, one for {$18.00} and {$1.00}. The problem was I made the payment on-time or so I thought as always on the XX/XX/XXXX of every month, which has been my due date for the past few years since I've been with them. For some reason City National changed the due date to the XX/XX/XXXX on all of my account without prior notice and I just found out when I saw the interest charge. I contacted City National and the agent refused to credit me the interest fees. It would've been fair without prior notice and reminder for the new due date then I would've paid on time and avoided interest. Companies can't just suddenly change payment due date and catch people off guard then charge interest on us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
I called on XX/XX/XXXX to make my payment has agreed to. I know that I have had a hardship and trying to catch up with my payments. When calling on XX/XX/XXXX at XXXX XXXX, I was giving the run around transferred around and around told we can not help you. When I asked why am I being transferred around so much and being laughed at. I still was advised that i can not help you. I asked if they treated all customers like this. I spoke with more then 4 plus reps. Finally i asked is it because of the status of my account or the color of my ethics back ground I was then transferred to a very nice young lady who helped me. I was on the phone from XXXX until after XXXX before I was help. Im very unhappy with the service and how I was treated. Im doing everything I can to get my account on track but should not get the run around that I received. If i could refi with another company I would. This is not the first or second time this has happen to me. This time Im tired of being treated like dirt, so I decided to complain this time. The last rep I spoke with on XX/XX/XXXX was very professional and could teach the other rep how customers should be treated. Im just putting this complaint in now, because I also have health issues that I have to tend to and did not have time on the XXXX for they had my XXXX XXXX up. Im also a XXXX patient that should not be under a lot of stress. Being behind is stressful enough for 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 explanation
Consumer complaint received 2019-09-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
As of XX/XX/XXXX, there is an fraudulent account on my credit report from Bank of America with the account number XXXX opened in XX/XX/XXXX. I have never opened an account with Bank of America. 

I do not have an account with Bank of America. I've never had an account with Bank of America. I have not given anyone permission to use my credit or to add my name to an account with Bank of America. 

This account needs to be deleted upon receipt of this documentation.

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 2019-09-06 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: AL

Complaint narrative:
After contacting XXXX, Equifax, & XXXX  twice within the past year advising them I was a victim of fraud and the information reporting to my credit was inaccurate. I sent them a list of the accounts in question and did not get a probable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
I do not owe this debt its been over 5years on an apartment they claim I owe when me and the company went to court and the case was dismissed without judgement. They are threatening to take me to court when its over the statutory limitations/ and the issue was dealt with in 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As of XX/XX/XXXX, there is an fraudulent account on my credit report from XXXX  XXXX XXXX with the account number XXXX opened in XX/XX/XXXX. I have never opened an account with XXXX  XXXX XXXX. 

I do not have an account with XXXX XXXX XXXX. I've never had an account with XXXX  XXXX XXXX. I have not given anyone permission to use my credit or to add my name to an account with XXXX XXXX XXXX. 

This account needs to be deleted upon receipt of this documentation.

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 2019-09-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
As of XX/XX/XXXX, there is an fraudulent account on my credit report from XXXX XXXX XXXX with the account number XXXX opened in XX/XX/XXXX. I have never opened an account with XXXX  XXXX XXXX. 

I do not have an account with XXXX XXXX XXXX. I've never had an account with XXXX XXXX XXXX. I have not given anyone permission to use my credit or to add my name to an account with XXXX XXXX XXXX. 

This account needs to be deleted upon receipt of this documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: FL

Complaint narrative:
Contacted Experian regarding unauthorized inquiries on my report and they refused to dispute the inquiry. 
Not on are the following unauthorized they are also duplicates XX/XX/2019 - - Creditor Name XXXX XXXX XXXX XX/XX/2019 - - Creditor Name 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