vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 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: MD

Complaint narrative:
All inquiries were made on address I no longer reside and have not lived it in more than 2 years. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( XXXX  ) inquiry was made on XX/XX/XXXX ( XXXX ) 4 inquiries from XXXX card alone! 

XXXX/XXXX  XXXX. XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( Transunion ) XXXX  - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company. 
The inquiry was made on XX/XX/XXXX ( Equifax ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: MD

Complaint narrative:
All inquiries were made on address I no longer reside and have not lived it in more than 2 years. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( Equifax ) inquiry was made on XX/XX/XXXX ( XXXX  ) 4 inquiries from XXXX card alone! 

XXXX/XXXX XXXX. XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( XXXX ) XXXX - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company. 
The inquiry was made on XX/XX/XXXX ( Equifax ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I have opened a XXXX XXXX rewards card in XX/XX/2016. Since then it has been transferred to collections. The last two weeks I have called so many numbers its making my head spin, just to get transferred to another center. Ive called two different debt services who say they dont have it and that it has been sent back to XXXX. I have talked to MULTIPLE XXXX reps and i have gotten literally nowhere. I can not pay off my debt. They tell me its closed. Everything is closed. But still owed. I am in desperate need of help. Its not fair I can not pay it and make it right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
Our initial complaint # XXXX, asked for a correction dating back as far as XX/XX/11. Thank you XXXX & XXXX for your partial effort. TD Bank finally recognized they made an error. They credited the over {$6000.00} in fees but would not recognize that every fee payment on our history should have gone towards our balance. Thus reducing the balance and interest calculations. They were supposed to send an updated payment history showing the correction and all payments to date. 
We again ask that all " FEE PAYMENTS '' since XX/XX/2011 are correctly applied to the " POST BALANCE '' as of the day they were charged. Thus requiring a recalculation of all since XX/XX/2011. 
This at the 11 % rate should give an accurate final payment so we can put an end to this nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
While we were parking, we were hit by another party, and their insurance agreed to cover the damage of our vehicle. During the day of pick-up, the collision repair company asked three more days to complete the repair. This means three more days of car rental from XXXX. This was supposed to be covered by their insurance company and nor our expense. They never paid for those extra days despite several attempts. After sometime, XXXX forwarded the bill to a debt collector. We paid for this car rental just to deal with the matter. 

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX still showing which dropped my scores significantly. This collection was placed on my credit in error as I had no financial obligation to the original creditor. Since this is still reflected on my credit I feel this is predatory in practice. I would like this collection removed from my credit due to erroneous collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited the Money Order on XX/XX/XXXX it was approved the next day a hold was put on my CASH MONEY this money order was cashed on XX/XX/XXXX that XXXX XXXX as stated funds were released on the XX/XX/XXXX CASH MONEY this was a Money Order Cashiers Check this was done by the XXXX CA brach with the two very bias Predjuice Bank mrg.XXXX XXXX and XXXX XXXX deceitfully and illeagall holding My CASH MONEY without any reason they have received the funds and has refused to release the hold off my CASH MONEY when XXXX XXXX has confirmed the Money Order was CASHED XX/XX/XXXX this is FRAUD and they are FRAUDULENT holding my CASH MONEY till XX/XX/XXXX WHY?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: DC

Complaint narrative:
This morning, I received an alert of a new collection account added to my credit report by this company. At no time was I notified, in writing or otherwise, of any attempts to collect a debt nor did I receive an opportunity to review, validate or dispute the validity of this debt by company. 

I request Convergent validate the following information immediately or remove any trace of this account from my credit reports : Full original account number Date original account was opened Any written agreements between myself and creditor stating this debt is owed Full account summary and itemized calculation of alleged debt Date of first delinquency Dates and times of any phone calls made and letters mailed in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving these communications were made as governed by FDCPA law Phone number and address they have on record to correspond with the demand above

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC
State: MD

Complaint narrative:
At approximately XXXX on XX/XX/2018 I received threatening phone calls from a District of Columbia number ( XXXX ) XXXX. The agent claimed the call was recorded and that her name was XXXX and that the phone call was in reference to a debt collection. 

XXXX asked me to verify the last 4 digits of my social security number as well as my name. I confirmed. She explained that I owed a debt to XXXX XXXX in the amount of {$720.00} to XXXX XXXX  for overdraft protection fees. I explained to her that the account was closed over 10 years ago and that I had not overdrafted during the time the account was active to my knowledge. I also informed XXXX that I had not received any notices in the last 10 years from XXXX XXXX regarding this matter. I told her that I would follow up with bank directly and if she could provide me the account number in question. I asked her to provide me with the name of the business she was calling from and the address so that I could follow up. She claimed that she was a 3rd party debt collection agency called " D2 Management '' and that she could not provide an address, but that she could give me a PO Box . When I asked her to provide the PO Box address, she said that she didn't have it in front of her and she went into an abusive line of discussion demanding that I resolve the debt with her. I told her that I believed that the claim was scam and that I would report the D2 Management to the appropriate agency. She laughed and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Since some XXXX put these chip readers in. Several stores readers using CREDIT CARDS refuse to process the cards without a pin number. If I use my pin then the XXXX at huntington charge me extra fee as a XXXX card when I plainly hit CREDIT on the terminal. This SCAM is no longer acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
ILLEGAL CONVERSION WITHOUT MY CONSENT! 
My signature was forged! This was a violation of my constitutional rights! 
The Bank of America never put up any money, they borrowed money using my signature and converted this transaction from a mortgage loan to shares without my consent or knowledge. These shares have no connection with a mortgage loan so, This was Conversion of a loan without disclosure, Mers transferred title to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I gave them XXXX down and the money taken at closing belonged to me not them and it was taken for 1 ) Tranfer of title2 ) payoff the note3 ) transfer was never satisfied. They wired themselves from the Mers IRA and The Keogh Account that are owed by the State of Louisiana and held on deposit by the banks. 
When the banks said to their counter criminal, how are we going to be paid back? You owe the feds for 20 yrs of budget overrun, go get the homes one at a time! But we owe the owner for the  HUD1 closing for the wires that you stole, The criminal in charge said, Its your problem! 
Mers is the creditor and I am the successor not anyone else, this was a deceptive move with criminal intent, people were too trusting. I am stating a claim on my own behalf and I DID NOT ABANDON my property, trusts, etc. 
it was stolen from me through crooked avenues an this has to STOP NOW! 
facts through evidence of documentation which clearly states that America 's Wholesale Lender is not a corporation that ever existed, and is named on the Deed of Trust. Bank of America wrote the loan and property is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX denied being owner of loan and property yet an Assignment of Deed of Trust was recorded in the Land and County Records. Upon foreclosure of the property, XXXX XXXX XXXX XXXX XXXX filed a recorded deed as owner of the property in order to foreclose. Once they filed the Deed of Record, they were able to take possession of the property and filed a foreclosure. XXXX XXXX XXXX XXXX XXXX was the buyer at Auction. Why would you purchase the property if you owned it to begin with. Im now out of my home by force of the state, unlawfully, the banks put up no money, I signed my name then they converted it to a securitized mortgage of which I wasnt informed in writing and now receiving a XXXX tax bill showing this is a tax situation of shares that I did not abandon or receive any residuals. The public deception here is of the highest. Im requesting my property back through Escheat. I am demanding my XXXX back and treble damages for my pain and suffering. I am forwarding this to the President of the United States, DOJ, And Governor of Louisiana, I dont care who I forward it to, you will get my money and home back!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: FL

Complaint narrative:
On XXXX I filed an Online Dispute on Transunion website disputing an address that appears on my report that I have never lived at and have never used for any purposes. 

On XXXX Transunion sent me a notice stating that Dispute had been completed and the address was not removed and the the source of the address was not revealed to me. 

XXXX I sent letter to Transunion ( see attached copy ) demanding to get the source of how they verified the incorrect address. It is my understanding that Transunion had 15 days after receiving my letter to send me how they verified the address and the source of the address and they have not done that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: MD

Complaint narrative:
At approximately XXXX on XX/XX/2018 I received threatening phone calls from a District of Columbia number ( XXXX ) XXXX. The agent claimed the call was recorded and that her name was XXXX and that the phone call was in reference to a debt collection. 

XXXX asked me to verify the last 4 digits of my social security number as well as my name. I confirmed. She explained that I owed a debt to US Bank in the amount of {$720.00} to U.S Bank for overdraft protection fees. I explained to her that the account was closed over 10 years ago and that I had not overdrafted during the time the account was active to my knowledge. I also informed XXXX that I had not received any notices in the last 10 years from US Bank regarding this matter. I told her that I would follow up with bank directly and if she could provide me the account number in question. I asked her to provide me with the name of the business she was calling from and the address so that I could follow up. She claimed that she was a 3rd party debt collection agency called " XXXX XXXX '' and that she could not provide an address, but that she could give me a PO Box . When I asked her to provide the PO Box address, she said that she didn't have it in front of her and she went into an abusive line of discussion demanding that I resolve the debt with her. I told her that I believed that the claim was scam and that I would report the XXXX XXXX to the appropriate agency. She laughed and hung up the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX a supv. with the Special Handling Fraud Dept. with Transunion Credit Reporting told me that not one of the 3 certified sent complaints or any of the cfpb  complaints they have not received or seen I'm now demanding they Remove All FRAUD ALERTS from the credit file of the XXXX XXXX XXXX file and also Dispute these Inquiries as Fraudulent and VALIDATE them as anyone could have submitted these credit apps. In my giving name XXXX XX/XX/16, XXXX XXXX, XXXX XXXX-2/5/16 Also remove any personal statements on this file and all FRAUD alerts as Transunion was not able to generate any qiestions for me to VALIDATE sho I Was so he said to write a letter I have done that and still nothing has been done they were sent 3 certified mailings still nothing has been done add XXXX XXXX XXXX XXXX Loma XXXX California XXXX to my file as another address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I'm having issues with XXXX simplicity ( citibank ). I paid XXXX dollars on XX/XX/18 because i wanted to lower my balance away from the limit to improve my credit and immediately received an email from XXXX stating " there was a recent review of your account and credit information. As a result, we have revised the credit limit ti {$2500.00} ( please note that it was originally XXXX ). This decision was based on a dilinquent credit obligation either paid or unpaid with this account or another creditor. Your current balance is {$2400.00}. 

I called XXXX on XX/XX/18 to ask them why the lowered my limit the same day that I made a large payment? They read me the above email and stated that was all the information they had. They could not provide me what said delinquent obligation prompted this action and that i should contact XXXX. I asked to speak to a manager ( XXXX employee number XXXX ) and asked again what information prompted this credit reduction as i'm now again at or over my credit limit and was told the same thing. They could not give me any information has to why they reduced my limit and prompted me to call XXXX I have free credit monitoring through the XXXX and there are not delinquent accounts on XXXX. This seems like they are trying to get people to stay at the credit limit. How can a company not have the information that they based a decision on? I asked to speak to XXXX 's manager and he said that wasn't possible ... How can they deny you to speak with a manager 's manager? 

I've included the email attached and my XXXX credit report i just requested today to show there are no delinquent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have disputed two invalid/released tax liens that are not listed with the department of revenue of Massachusetts. These were invalid because I entered I to a payment arrangement for the liens. I have paperwork saying these liens and garnishment was released and invalid. Other credit reporting agencies have already deleted this entry. MAssachusettS department says these liens are invalid and have no record of them.

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