vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 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: VW Credit
State: TX

Complaint narrative:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent {$2500.00} from my Navy Federal checking account to another Navy Federal checking account for services that were never received. I filed a police report for fraud with my local district, opened an investigation with the FBI to which multiple cases have been opened against this individual before and filed a complaint with the FTC. All parties notified me that my bank would be able to simply freeze the account because they were both Navy Federal and investigate it further. I called my local branch in XXXX XXXX, NJ and they told me there was nothing they could do and that I should notify the FTC, who initially told me to contact them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
the last 3 complains about a company they closed my account which are unfair practices with bank of America and XXXX can you tell me if i have an issue with my bank why are they able to close my account saying they don't want my business what about having fair practices put in place we were told to go to cfpb but every time I do they close my accounts or retaliate in some sort of fashion like XXXX XXXX XXXX apartment complex which eventually did hud violation and got me removed from the apartment complex

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 2019-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Sectio

n 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any docume
nt that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 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: CarFinance Capital LLC, Irvine, CA Branch
State: TX

Complaint narrative:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

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 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2019-09-30 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: Certified Credit Reporting, Inc.
State: TX

Complaint narrative:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
XX/XX/2019 Sequium added {$520.00} to my credit report as collections. I did not pay and cancelled service because the service was horrible. Not what was promised at all. This is XXXX XXXX. The service was constantly going out and getting it repaired was awful. I had no TV much more than I had the service. I was on the phone with them all the time and it was not right from the beginning. I was mailed the wrong parts from the company to install and this just went on and on. It got to the point that I had to get XXXX to watch TV and I was still paying for XXXX XXXX! I called XXXX XXXX to cancel and I mailed them back all their parts. After that, they still wanted to charge me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: MS

Complaint narrative:
In the middle of XX/XX/2019 I heard an ad on the television about boosting my credit score for free. I visited the website that redirected me to Experian. After finding out Experian required an expensive monthly subscription to boost my score I declined to pay for the subscription. Around the end of XX/XX/2019, I applied online for a home mortgage application with XXXX XXXX. On XX/XX/2019, Experian sent me an email stating a delinquent account had been reported to creditors and my credit score had been reduced by 83 points as a result. On XX/XX/2019, I opened a dispute about the derogatory credit entry with Experian. In the dispute I explained that XXXX XXXX actually owed me {$290.00}. XXXX XXXX had made a $ 1200+ billing mistake that they notified me about and assured me that since it was their mistake that I would not be responsible for the amount. On XX/XX/2019, the dispute with Experian was completed and Experian advised the negative credit entry will remain on my credit. All the time, constantly sending me emails offering their credit services.

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 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
On XX/XX/2019 I paid a debt in full, the amount of {$280.00} that I owed XXXX XXXX XXXX college over the phone. They told me my balance was paid in full and I was all set. I was not informed this bill had been sent to collections, I paid the college directly. XX/XX/2019 a collections was reported on my credit report with ConServe debt collections l with a balance of XXXX reported from XXXX XXXX XXXX on XX/XX/2019. I disputed this, as I had paid the balance with the college in XXXX. The college informed me in XXXX when I inquired about the collections. that they had sent it to ConServe, but would report that I had indeed paid the debt in full. ConsServe debt collections is now reporting that I owe XXXX dollars in collection fees. I have attached my payment and receipt history with XXXXXXXX XXXX XXXXXXXX college.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

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 2019-09-30 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: Credit Technologies, Inc.
State: TX

Complaint narrative:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: DISCOVER BANK
State: TX

Complaint narrative:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
To : Financial Consumer Protection Board From : XXXX XXXX Date : XX/XX/2019. 

Ref : Mortgage Loan To Whom It May Concern : My name is XXXX XXXX XXXX and I recently applied for a mortgage loan with Loan Depot. I sent in all my proof documents such as proof of salary, savings and credit report. I was granted a line of credit up to {$350000.00}. I located a property XXXX XXXX XXXX in XXXX XXXX   MD. XXXX. I signed a contract on XX/XX/2019 with {$3500.00} XXXX XXXX XXXX. My closing date was supposed to be XX/XX/2019. XXXX XXXX, Branch Manager for Loan Depot XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX. Phone number XXXX XXXX and e-mail XXXX. Loan # XXXX. XXXX contact me one week  prior to closing with a lot of issues that werent issues but let me know that he was not going to approve my loan. The first, issue he raised was if I had the financing for the loan after I had sent him my bank statements. The second issue he raised was another loan that I have that is current and I havent had any issues with it. The third and final issue he raised with me was my credit report. My credit score is currently a XXXX I know it can be better, but this rating is supposed to be adequate to secure mortgage financing. Mr. XXXX did not want to rely on Mr. XXXX credit report, so he conducted a private investigation on me. His name of this investigation he told me was a fraud inquiry. He XXXX the Court House in XXXX XXXX to obtain the mortgage documents. He told me he located a property that I had owned three years ago and stated that I could not obtain FHA financing due to this issue. I have not received any correspondence regarding my loan status. I have not received a letter of denial. I work for the XXXX XXXX with a salary of {$140000.00} and it still appears I cant be treated fairly. 

I live in the state of Maryland, in the county of XXXX XXXX. The county was hit hard with foreclosures due to a lot of subprime loans being processed on the minority population. I was one of those people. I got out of my property approx. three years ago and secured financing to clean up my credit to hopefully one day enter back into home ownership. I feel I have been discriminated based on my race. This is in violation of the Fair Housing Act and the Equal Credit Opportunity Act. I feel I have suffered losses from trying to purchasing the property, the appraisal fee, and Inspection fee and time and emotional loss from being discriminated. Loan Depot and Mr. XXXX also violated the Privacy Act by informing Mr. XXXX real estate agent of the denied mortgage loan application before informing Mr. XXXX. 



Sincerely, XXXX XXXX XXXX XXXX XXXX cell XXXX XXXX cell XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NJ

Complaint narrative:
I reached out to this company for over 5 years to get this matter resolved and removed from my credit report because this account is not mines. They have failed to show me proof that this account is mines. The information they shared does not match my health insurance company. My insurance doesnt have any knowledge for this account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I received a letter in the mail on XX/XX/2019 from " Synchrony '', XXXX XXXX XXXX  XXXX, XXXX, FL XXXX, dated XX/XX/2019 stating I had an " Account ending in : XXXX, and the reminder that <I> have a PayPal Credit account. The letter goes on to state how PayPal credit works, special financing basics, and how to contact PayPal or call Synchrony with questions. 

1. I, literally, have never heard of " Synchrony '' before this letter. 
2. I have never opened a PayPal account. 

This is a literal, physical, phishing attempt to glean private information -- fraud. 

I called Synchrony and spoke to their " Fraud '' department, who asked for the same information as Synchony 's automated voice system ; phone number then social security number. 

I verified my credit report does not show Sychrony or PayPal entries. 

Until an examples are made, there will be no depth 's that bad actors won't go.

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 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CITI BANK in his response to XXXX asked me idiotic questions inapplicable the the case solely on purpose to dismiss it

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