vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I had hard inquiries that were not made by me on my credit report. They were : XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX I had no knowledge of these inquiries. 

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 2019-06-10 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: CT

Complaint narrative:
I had hard inquiries that were not made by me on my credit report. They were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had no knowledge of these inquiries. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: FL

Complaint narrative:
Equifax has reported fraudulent information in reference to my credit history. XXXX XXXX XXXX ( credit card ) has myself listed on the credit card as an " authorized user ''. Equifax will not recognize that the authorized user is NOT contractually responsible for the debt. The dispute # 's are as follows:XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JP Morgan Chase Bank, NA, XXXX XXXX XXXX, XXXX, OH XXXX has given me ( 2 ) Amortization Schedules ( P & I ) for my Loan that do not have the same ending principal balances. Im unable to correctly add any extra principal payments in order to pay off my loan. I also was  given a Legal Amortization Schedule from XXXX XXXX XXXX I received at Closing ( XX/XX/XXXX ) to use in paying off my loan. This makes a total of ( 3 ) Amortization Schedules that differ in ( P & I ) figures! I was told by XXXX XXXX, Team Leader Executive Office Representative, JP Morgan Chase, NA ( XX/XX/XXXX ) that on XX/XX/XXXX things would change regarding my ( P & I ) balance. However, any Amortization Schedule that would be issued to me after the XX/XX/XXXX principal payment would not reflect the correct monthly principal balances that I could use! The Amortization Schedule ( P & I ) balances would never match the current principal balance! This is an insane bank practice! 

I would be unable to receive an Amortization Schedule listing the correct Interest and Principle in order to apply any extra principle payments for the remaining of my loan.

It has been made clear that JP Morgan Chase Bank, NA does not want me to be able to pay any more extra principal payments on my loan. They want to be able to make as much money as possible on my loan. An awful bank practice! Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: PNC Bank N.A.
State: NJ

Complaint narrative:
Pnc bank is reporting that I have a core credit card with them with a balance for XXXX with them I have never opened this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: GA

Complaint narrative:
To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. 
A copy of my drivers licence and a utility bill is attach to confirm my identity. 
I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Please see attached documents for details. Last year I was a victim of a scam by a company and was made to purchase some equipment on my Chase Credit Card and was given an account number to pay off my card. They said I have been added as an authorized user to make the payment from that account. I called Chase Bank to make the payments and the lady confirmed that the payments went through. To be sure I waited for my statement to confirm payment. Once I got the statement stating so I assumed the payments went through I then shipped the equipment. Then I received a letter from the bank saying my account has been closed due to the high amount of purchases. Because of my auto payment there was a credit of {$100.00} for which they sent me a refund check. Now this year after closing my account and sending me statement confirming XXXX balance and sending me a refund check they sent me a letter that I need to make the payments. If the payment did not go through initially, why did their rep confirm it did and why did they send me XXXX balance statements and a refund check. Either it was an error on the reps part for not confirming I am an authorized user, or someone at the bank was a part of the scam who might have put my name there. I had sent a letter and also spoke to someone over the phone and requested them to check what happened, because it was a shortfall in their system or policy that someone can just make a payment using any account number and the rep does not check if the person is authorized to do so and process the payment. And why does the bank send XXXX balance statement to mislead the customer. There has been no response related to this matter from Chase Bank and now they have reported non payment and my credit has been hit because of an error or negligence of their rep and their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I applied for a Wells Fargo credit card online and intended to transfer {$20000.00} to the new card. I was not shown what my line of credit would be until after submitting the application and it ended up being {$2500.00} and I was not given an opportunity to refuse the card after that point ( unlike other applications I had completed online ). 

I called Wells Fargo to cancel my application and was told I could not. That I needed to wait until the card came and then call the number on the back to cancel it. 

When the card came, I tried to cancel it but Wells Fargo had already transferred {$1900.00} from my other account. An account which I did not provide details about ( account number, etc. ) other than bank name and an amount that I did not authorize. 

I called Wells Fargo to get the money returned and they stated I had to work with my other card to get the funds transferred back and it could take up to 90 days but that in the meantime, i was responsible for making payments on the Wells Fargo card.

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 monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: MN

Complaint narrative:
Had Identity theft XX/XX/XXXX. Thief applied ( and succeeded ) for many things, this being one of them for {$1400.00}. Received a debt collection bill on XX/XX/XXXX, Disputed the claim. They are still sending me collection notices. Credit report is severely affected due to this, Can not move house or purchase anything on credit. 

Collection agency sent me documents stating it proved the debt. Noe of the documents had my signature nor photo id, nor anything that proved the debt was mine. 

Fraus alert was issued XX/XX/XXXX. This fraudulent debt occurred XX/XX/XXXX. There was no due diligence, nor phone call made to my direct line upon approval of this 'credit '.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I sent in my disputes to all three credit bureaus on XX/XX/XXXX. They did not send anything in the mail to me about my disputes. I sent out some more for the same disputes on XX/XX/XXXX letting them know it has been longer than 30 days and they have to delete my disputes thats on my credit report. 

**This complaint is for my first set of disputes that they have yet to respond to. Please let the credit bureaus know this. I have sent out a second round of dispute but that does not allow them to extend the investigation. That is a violation of the FCRA

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 2019-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Home Depot credit card advertises 6, 12 and 24 months deferred 0 % interest on balance if paid within the alloted time. I have a Home Depot revolving credit card for which there was a minimum payment due of {$47.00} on XX/XX/XXXX. I mailed a payment of {$600.00}. They applied the excess payment over the minimum to a 0 % deferred balance that expires on XXXX in the amount of {$540.00}. I called to have the excess balance applied to the revolving balance and save interests with a plan to payoff the deferred interest balance by the next monthly cycle. ( I have been able to reallocate posted payments in the past. ) This saves the consumer interest and still allows me to pay the {$540.00} due on XXXX without incurring interests. The supervisor that I spoke with ( XXXX did not provide a last name ) quoted me the 2009 Federal Card Act as a reason why they no longer can reallocate payments towards the revolving balances and the " excess '' payment needs to be allocated to pay down any deferred balances due within 60 days.

Conclusion : The consumer should be given discretion or the right to save additional interest charges on their Home Depot credit card account by paying off the interest bearing portion of their balance prior to expiring deferred balances. Home Depot advertised 6 months deferred interest but their card administrator is forcing a reduction of one month from the premature allocation of payments. The consumer should be given an option.

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 monetary relief
Consumer complaint received 2019-06-10 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 2019-06-10 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: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
I had a Line of Credit with Suntrust for many years. After moving to a state where Suntrust is not located, I quit using the account but maintained it as open paying a {$15.00} annual fee. I had never missed a payment. 

This year, I tried to make that payment but had no record of the account number. I called Suntrust for help, but the person receiving the call could not help me find the account. If I had received a paper bill, I would have paid it again. 

Unknown to me, the bill went past due and Suntrust ruined my credit score ( XXXX to XXXX ) by sending in credit info that says it " was seriously past due ''. They made no attempt to remind me of it being due. It was a {$15.00} annual fee, not credit extended to me. 

I filed complaints with XXXX, XXXX and XXXX with no satisfaction. I have copied and a certified letter reciept where I sent payment and asked to close the account. They closed the account under the " closed by lender '' classification. 

My complaint is that I reached out to Suntrust to pay the bill when I was finally notified of it. Their Customer Service department could not help me. If I had been notified earlier, or by mail, it would have been paid. I never missed a payment for more than 10 years. This type of late payment should not ruin my credit, no distinction is made on my credit report that this is an annual fee or that they didn't notifiy me, or that I called to get help paying it after I was notified. 

I want my credit report to be corrected to Pays as Agreed and closed by account holder. I will not let it go as it ruined a credit score I spent years developing and will cost me interest in new loans going forward. Advise them I am planning a lawsuit for damages incurred. 

See attached. Even at my written request to close the account, I am still getting statements.

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 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
Since I filed a complaint with your organization about two weeks ago on XXXX I got a call from Bayview XXXX and told them that since I had an open complaint that I would not talk with them at this time. The woman told me that she was taking my number out of the system for no more phone calls I have this call on tape. On Saturday XXXX my call id box shows a call from bayview and then today Monday the XXXX at XXXX XXXX I got another call and no one removed the number or had no record. More fraud that is going on here. Call the media

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: STATE FARM BANK, FSB
State: FL

Complaint narrative:
XXXX has reported fraudulent information in reference to my credit history. State Farm Bank ( credit card ) has myself listed on the credit card as an " authorized user ''. XXXX will not recognize that the authorized user is NOT contractually responsible for the debt. The dispute # 's are as follows:XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I have a Bank American credit card. I had a balance of {$420.00} I made a payment of {$42000.00} I do not know how I use Bill pay from my bank. The same day I made that big payment I do not how. I payed the {$420.00} payment which shows I did not know I had made that big payment. They got that payment on XX/XX/XXXX. I noticed my check account was wiped out on XX/XX/XXXX seen it went to Bank American. I called them and after 45 minutes phone call I got that it would be refunded to my check account. I called almost every day from then on. I have been told it would be in my bank account 3-5 days then I was told 10 days, then I was told 30 days. 2 weeks ago it finally left my credit card and the {$42000.00} had left my credit card account ( this account it closed now XXXX I also recieved a letter from Bank American on XX/XX/XXXX that that money is being transferred back to my checking account. It never did. So I called again Now all phone calls I have waited 35 to 60 minutes to talk to anyone then I start over with the story and they find someone who is to know something coming back to me with another date the money will be in my account. I have asked over and over what is the number of the account you sent it to and no one can tell me. I was promised last Wed XX/XX/XXXX and I was promised that it takes 10 working days to refund that money and it would be in my account on XX/XX/XXXX. It is XX/XX/XXXX and I still do not have the {$42000.00}. I can not pay my health insurance, life insurance, utility bills, car insurance nothing. They have all my money. And no one can tell me where it is. They have had my {$42000.00} for 26 days. I had a bill of {$420.00} with a credit card limit of {$25000.00} I do not know how the credit card alarms didn't go off with me paying that much. I get an text and they won't let a transaction to gothrough if I make a {$25.00} payment over the state line. I do not know what to do I am beginning to think there is some scam going on with my money Please help me this could ruin my perfect credit rating and I can not live with out my money. XXXX XXXX XXXX the last 4 digits of my credit card that is closed that this money was in is 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 monetary relief
Consumer complaint received 2019-06-10 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ; XXXX 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 2019-06-10 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I was leasing a car with Nissan corporation I did not understand the seriousness of paying the loan on time because I was going through a hard time I was unemployed the time I was making payment late however since XX/XX/2016 I been making on time payments but the Nissan corporation continues to report told late payments to the credit bureaus which is derogatory on my credit score making it impossible for me to buy a house or even obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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:
There was nothing to explain further.. I have been sending letters to Transunion for months now and I have repeated myself over and over again..The accounts don't belong to me..I know this is an error and I ask you to please have the accounts removed from my credit report asap. XXXX XXXX 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