vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In XXXX of 2018, I purchased a vehicle at a XXXX XXXX XXXX XXXX in XXXX Arkansas. As is the case when you finance a car, XXXX had apparently reached out to multiple lenders to find me the best Auto Finance Rate. My concern is that Transunion is showing this as 7 Hard Inquires on my credit report rather than 1 Hard Inquiry, which is affecting my credit score ( The more Hard inquires in 2 years, the more it impacts your credit score ). 

When calling Transunion, they assure me that this is only looked at as 1 hard inquiry, however, My credit report, as well as all of the current credit cards I have show which provide free credit scores show this as 7 hard inquiries and that it is in fact impacting my credit score. 

Both XXXX  and XXXX  have this as one hard pull but Transunion is not doing anything to correct this reporting I ended up securing the loan thru 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 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Information on my report is inaccurate and was already removed but still showing.

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 2019-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XXXX I used cash app to transfer an individual {$380.00} for an item I wanted from him. I had conversation with him on the social media XXXX about the item and everything. And one day I got  on XXXX to talk to him again and he blocked me and our conversations were gone. So I filled a dispute through XXXX XXXX and cash app. So filing up on these disputes XXXX XXXX said everything came back good and there were no fraudulent activity. Well there is because I never received my item. And when I try to talk to cash app they tell me to get ahold of XXXX XXXX, but when I get ahold of XXXX   XXXX they tell me to get ahold of cash app ... its a back and forth battle between the 2 companies. Ive been fighting this dispute since XXXX and nothing has been done and Im out {$380.00} because of it. I have the receipt from cash app from the transaction. Cash app has no actual person to talk to which makes this process even harder and will not respond to my emails or social media messages. Also I have a group of people that have been ripped off by this one individual and they have all got their money back, I dont understand why I havent yet. I can get you their info if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On or around XX/XX/2019, I received a letter from Midland Credit ManagementXXXX Midland Funding which clearly states We have closed your account and ceased collections, you have no further obligation regarding this account. 

On XX/XX/2019I was notified by XXXX  that they investigated the account because it was still showing on my credit file and XXXX  deleted it from my credit file. Also on XX/XX/2019XXXX  also investigated the same matter and also deleted the account from my credit file. 

On XX/XX/19I received a Civil action through my local district court for the same account. The attorneys name for Midland Funding is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hello, since you don't have enough choices in this website, I had to pick the closest. I will like to know if something can be change on the Hard Inquiries and how they are handled. On XX/XX/XXXX I received an offer for a personal loan, I was waiting to hear more about the offer after I went to the website and input my info, instead they checked my credit report and I lost points out of EXCELLENT credit because of this inquiry that I DID NOT accept their offer. My problem and question is : Why do inquiries have to hit your credit report in a derogatory way? they are just " inquiries '' you are not acquiring a new debt every time somebody or yourself check your credit score! That should not be legal because it harms the people with good credit for no reason. I understand if you acquired another bill based on the inquiry, I understand that, but if you don't that should not go against you! XXXX XXXX XXXX offered me a loan to pay of the big loan I have, at a lower interest but the terms were not to my liking, now I'm stock with the " hard inquiry '' and 3 points less in my score. Now days EVERYBODY is sending you offers for credit cards, loans, etc. so how are you to shop around if every time somebody checks your score to see what they can actually offer you based on your score you get punished? I do not think is fair and I do not agree with it. Somebody should review the way credit score companies handle the life-hood of the consumers that try to do the right thing and those that have no other choice but to shop around. I want all hard inquires deleted because there is another part that says if you have or not acquired a responsibility with those vendors. Thank you.

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 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Item reporting is not my item.

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 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I flew on XXXX from XXXX, Washington ( USA ) to XXXX, XXXX via a layover in XXXX, XXXX ( XXXX ) on XX/XX/XXXX, XXXX. On XX/XX/XXXX, I was charged {$290.00} twice, for a total of {$580.00}. I am disputing this amount since the additional services were not provided by XXXX. 

On XX/XX/XXXX, I purchased two Economy Class tickets on board XXXX for {$490.00} each, for a total of {$990.00}. These tickets were paid for in full at that time. This price was for two round trip airline tickets in XXXX 's Economy Class. At the time of purchase, I utilized XXXX 's upgrade tool. That tool allows a passenger to select a price they would be willing to pay to upgrade to Premium Economy class. I placed a bid a total of {$290.00} per ticket for a potential upgrade to Premium Economy. The tool advises the passenger if two Premium Economy seats become available prior to the XX/XX/XXXX flight, XXXX would have the option to charge me an additional {$290.00} per seat to upgrade to those seats. In this case, there were two tickets purchased, so the charge would be {$590.00} total. I received an email on XX/XX/XXXX stating that an upgrade to Premium Economy Class on the XXXX to XXXX segment was not available, and I would not be charged. My regular Economy Class seats would remain unchanged. ( see attached email from XXXX ) On XX/XX/XXXX, we flew from XXXX to XXXX and were assigned seats 44A and 44B. Those seats were located in XXXX 's Economy Class section, not their premium Economy Class. ( see attached boarding passes for HeaXXXX and XXXX XXXX along with the XXXX map ) The remaining segments from XXXX to XXXX, then from XXXX to XXXX and XXXX to XXXX on XX/XX/XXXX were made in Economy Class. 

Upon XXXX 's failure to remedy this charge, I disputed the charge with Navy FCU on XX/XX/XXXX. At that time, they incorrectly categorized this charge as a " services not received '', but did not issue me a provisional credit. I informed NFCU at the time the credit dispute was miscategorized, yet they did not correct this. On or about XX/XX/XXXX, I was informed that the dispute was denied because I had in fact taken the flight ( despite the class of service being not what I paid for ). I appealed, and NFCU re-opened the dispute. 

At that time, NFCU issued a credit to my account for {$290.00}, but they did not issue the other credit of {$290.00}. I am still out one of the {$290.00} fee 's charged by XXXX. When I call NFCU, I am told they are still working on the dispute, despite the fact I filed the dispute for both charges at the same time. NFCU granted one of the {$290.00} credits, but not the other. And they refuse to remedy this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am hoping to buy a house for the first time this year, so I want to be able to check my credit reports to make sure that everything is accurate before I apply for a mortgage. I checked my credit scores and noticed that one of my scores, run by Equifax, was almost 100 points lower than the others. This was obviously a red flag and told me I needed to check my credit reports. I found that the way to access your free credit reports is through XXXX, so I went there and filled out all of my information. I was able to access my XXXX and XXXX reports fine by answering identity verification questions about my credit history. However, when it came time to answer those identity verification questions to access my Equifax report, every question asked about loans and credit cards that I do not have and have never heard of ( another red flag ), so I was forced to answer N/A to all of the questions. For this reason, I was unable to access my Equifax report on that website. I tried going on the Equifax website, which told me that other than XXXX, the other way to receive a free Equifax was via mail by mailing the company a copy of my driver 's license, etc. This reminded me that I actually did this last year when I had the same trouble accessing my report and never received any mail back ( a third, huge red flag ). I called Equifax and explained all of the above, the employee verified my identity and then tried to make me pay {$15.00} to access my report. I know they are required by law to give me access to my report for free once per year, so this is illegal. When I complained, he said, " you expected to access your credit report FOR FREE?! '' He then proceeded to tell me that if I wanted a free report to go to XXXX, despite the fact that I had started the phone call explaining that I had already tried that. 

I am afraid this issue could ruin my potential to own a home at no fault of my own. They clearly have inaccurate information on my credit report, which could impair my ability to obtain a loan, so they should be the ones to fix it. I should not have to pay to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: FL

Complaint narrative:
i have no authorized credit inquiry from 7 banks and XXXX i don't know what happened here attached have 2 images from XXXX 7 XXXX   report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Item reporting is not my item

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: MD

Complaint narrative:
Exactly two weeks ago today I spoke to an agent regarding overdraft fees. She explained to me that the fees were the result of an option that was selected when I opened the account online where BB & T would review and pay items if there was not enough to cover in the account. It was my understanding after that call that this option would be turned off and BB & T would decline transactions from then on. 

In the last 2 weeks BB & T has paid around {$200.00} in charges for automatic payments ( XXXX, XXXX, XXXX  ) and charged me around {$300.00} in fees. I spoke to an agent and her supervisor and they could do nothing for me. It was explained to me that contrary to the understanding I was given two weeks ago, the option to decline transactions was not turned off per my request during the prior call. 

It seems to me that this is predatory banking. I would have much preferred BB & T decline these relatively small transactions than to charge me {$36.00} for a {$9.00} charge.

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 2019-06-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have a HELOC currently service by Shellpoint Mortgage Servicing. 

I stopped receiving monthly mortgage statements in XXXX of 2019. I could not confirm how they arrived at the mortgage amount due from month to month and the amounts varied greatly even though interest rates have remained fairly stable. 

Now I see that in XXXX of 2019 they are scheduling to draw over {$4000.00} from my account for my mortgage payment, when last month they took just over {$3300.00}. I do not see how they could be calculating my mortgage correctly when I see a {$700.00} payment swing in my mortgage payment in a stable interest rate environment. 

I contact them numerous times about not receiving a statement earlier in the year and all they could say was they were having system issues. 

I highly question the accuracy of their calculation of my monthly mortgage. 

Please assist me in ensuring that I receive accurate monthly statements to ensure that I know what I have to pay and can understand how my monthly payment can swing by over {$700.00} from one month to other in this stable interest rate environment. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PROSPERITY BANCSHARES, INC.
State: OK

Complaint narrative:
On XX/XX/2019 an ACH happened from a company called XXXX XXXX for the amount of {$5700.00}. We have never even heard of this company before this happened. We contacted the company and they state they will research the issue but after 1 day shy of a month and numerous calls they say they " will keep looking in on the issue ''. I fell they are blowing me off. I also called our bank ( Prosperity Bank ) and spoke to numerous people including the bank president. He states that we only had 24 hours to bring it to their attention. I just happened to look online and let them know of the problem which was approximately XX/XX/2019. Since the 24 hours expired on XX/XX/2019, the bank says they have no responsibility and can not put the money back into the account. Our checking account was charged for {$5700.00} from a company we have never heard of and never authorized to charge our account in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
A representative from Phoenix Financial Services called me the week of XX/XX/XXXX stating that I owe a {$100.00} medical bill from XXXX. They stated this was a balance for being seen in the emergency room. I told the representative that this was not my bill and that I am a victim of Identity theft I was not seen in the ER in XXXX. I was told by the representative that they would be putting this on my credit report. I told the representative that this was against the law and the Fair Credit Reporting act because I never received anything from them who the debt does not belong to and or whoever else the debt is for such as the ER department that they are stating that I owe from XXXX. I again informed the representative that I never received any type of notice about a debt from XXXX, the Texas statue of limitations is also 4 years and the debt is not mine, I am a victim of Identity theft, with an Federal Trade Commission affidavit and police report on file with all three credit bureaus. I advised them to return the debt back to the creditor as Identity theft victim. Today XX/XX/XXXX the debt is appearing on my credit report and I tried to call them and the number listed online just keeps giving a busy signal so they can not be reached only if they call me and try to harass me to pay a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I obtained my Experian and XXXX credit report on line. There was an U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 

I have asked both reporting agencies to provided me with detail or letter confirming i am the one who filed Bankrupt and with my signature i have not been given this information as of yet. However they continue to advise that such has been " VERIFIED '' My inquiry to the U. S. Bankruptcy Courts confirmed Experian AND XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

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