vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: NY

Complaint narrative:
Identity theft victim

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 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: MD

Complaint narrative:
On XX/XX/2019, I contacted Freedom Debit Relief to inquire about my settlement and also to cancel the program. Before doing that I asked if the settlement with XXXX XXXX XXXX was completed since they took over {$3500.00} from my bank account. The guy on the phone confirmed the settlement was completed and I didn't owe anything to XXXX  XXXX XXXX XXXX then I proceeded to cancel the program. A month later, I contacted XXXX XXXX XXXXXXXX to confirm my credit card was settled and they told me they haven't received any funds from Freedom Debt Relief and the settlement agreement was broken because of that. I contacted Freedom Debt Relief and asked to review the recorded phone conversation from XX/XX/XXXX when I was told the account was settled and asked where was my money. A supervisor reviewed the recorded conversation and confirmed I was told it was settled. Yet, she didn't know why I was told that since according to her they only sent 2 out of the 3 payments and charged me close to {$1000.00} in fees for nothing. When I told her that XXXX  XXXX XXXX said they did not receive any funds, I was told they sent it and they couldn't do anything about it ... .. At the end of the day, I still have the XXXX XXXXXXXX XXXX debt and i'm out {$3600.00}. Is not fair they can get away with this type of fraud while people trust them and believe they will act on their best interest but once you start questioning they don't provide any help. Yet they charged me {$1000.00} for nothing as it seems there was not settlement to begin with. I trust them because they made me believe I couldn't do this on my own and i couldn't settle with the credit card companies. They told me multiple times throughout the program not to speak with any of the credit card companies and it couldn't prevent future settlements. I was never told the settlement with XXXX XXXXXXXX XXXX was not completed and not in place and I was told they would charge me fees once the settlement was completed yet they took they fees already from my account.Then came to find out that they haven't even contacted all my debtors, some of they they sent it to collections agencies. Now I lost {$3500.00} and nobody seems to know where is the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Applied for credit on XXXX to finance a vehicle through XXXX XXXX. XXXX At the XXXX XXXX in XXXX, they should have been able to pull the original approved application from XXXX. Instead they pulled my credit on their own, even after I made sure to tell them multiple times that I didn't want my credit to be pulled again. I also did not sign any consent to my credit to be pulled by the dealership. XXXX Asked the dealership why my credit was pulled. They said because I authorized XXXX XXXX, they could do so as well. They said they would not request the inquiry be deleted from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX Applied for credit on XXXX to finance a vehicle through XXXX XXXX. XXXX At the XXXX XXXX in XXXX, they should have been able to pull the original approved application from XXXX. Instead they pulled my credit on their own, even after I made sure to tell them multiple times that I didn't want my credit to be pulled again. I also did not sign any consent to my credit to be pulled by the dealership. XXXX Asked the dealership why my credit was pulled. They said because I authorized XXXX XXXX, they could do so as well. They said they would not request the inquiry be deleted from my credit history.

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 2019-10-21 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: Webcollex, LLC
State: TX

Complaint narrative:
CKS Financial # XXXX is reporting an account that is not mine. I have never heard of this and have no idea what this is. I never received anything for it and I am very sure it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: OH

Complaint narrative:
I have called XXXX XXXX for a week and have not received a callback. I have not authorized this company to pull my credit. its for XXXX XXXX. when I call they say they have no information but yet they reported me to TransUnion credit report. I have an inquiry on XX/XX/2019 this not from XXXX XXXX. XXXX sent me a letter but yet solved this problem. I need help getting this removed TransUnion needs a letter from the company as to remove this from my credit report. am not getting any help I been trying for last few months to take care of this. please help.

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 2019-10-21 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my 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 explanation
Consumer complaint received 2019-10-21 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:
XXXX XXXX # XXXX is reporting an account that is not mine. I have never heard of this and have no idea what this is. I never received anything for it and I am very sure it is not mine.

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 2019-10-21 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:
XXXX XXXX # XXXX is reporting an account that is not mine. I have never heard of this and have no idea what this is. I never received anything for it and I am very sure it is not mine.

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 2019-10-21 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: FL

Complaint narrative:
Experian continues to list fraudulent negative accounts on my credit report. They are in violation of the FCRA. Report : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX from XXXX XXXX XXXX XXXX called phone number XXXX or XXXX or XXXX. Stated I had a complaint submitted against me from Capital one. Said that Capital one charged off an account of mine on XX/XX/XXXX. I currently have a capital one card in excellent standing. I called capital one at XXXX and XXXX at capital one verified I do not have a charge off with them. I called XXXX at XXXX XXXX XXXX XXXX back on XX/XX/XXXX and gave her the information from capital one and she stated she would call and would call me back. Today XX/XX/XXXX I received another voice mail from XXXX XXXX from XXXX XXXX XXXX XXXX when I called back they state that I I still owe this debt that they will not contact Capital one and that I can figure it out when they bring legal action against me. She then proceeds to hang up on me. The last four digits of this account that XXXX XXXX XXXX XXXX said it wasXXXX. When I spoke with Capital one they verified the last four digits of the only previous account I had with them was XXXX. XXXX at Capital one felt this might be a scam and had me send an email to XXXX. Which I have done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: IA

Complaint narrative:
On XX/XX/XXXX, M & T Bank/Mortgage, the servicer of my home mortgage, auto debited my mortgage payment out of my checking account. They should not have done this as I had cancelled the auto debit for the XXXX mortgage payment in early XXXX, XXXX. Additionally, M & T Mortgage was paid off, in full, on XX/XX/XXXX and should not have debited the payment that was no longer due. Additionally, I have an escrow refund that is due me of $ 1600+. 

As a result of the auto debit, my checking account became overdrawn. I contacted M & T on three separate occasions, on XX/XX/XXXX and XXXX, to request a reversal of the auto debit and to put the money back in my account. They refused, saying it may take up to 30 days for me to receive my refund. This is not acceptable as it was their mistake, not mine.

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 2019-10-21 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: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

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 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Throughout XX/XX/2019, I have received multiple calls from this company. I have also asked them to not call me or anyone associated with me. They have called my mother in law way too many times asking for my partner. They have called my partner multiple times asking for me. I'm not sure what kind of operation is being ran there, but it needs to stop. I'm giving notice to cease all contact with me or anyone else except the creditor about this claimed debt. Only contact me in writing, not by phone. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I notice that my credit report was ran without my consent on XX/XX/2019. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed with no resolve. Comenity Bank XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK
State: NV

Complaint narrative:
On XX/XX/2019 XXXX XXXX at East West bank in XXXX XXXX XXXX transferred {$50000.00} to my XXXX XXXX trust account ending in XXXX. I have a federal referance number XXXX. A trace was attempted, it's been nearly 3 weeks since it was made, both banks are blaming each other for the missing wire and neither bank is acting accountable or saying if or when the money will be returned, meanwhile I have no money or way to retrieve 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
Consumer complaint received 2019-10-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
According to TransUnion XXXX XXXX XXXX  XXXX  XXXX met FCRA requirements. In XX/XX/XXXX I went over the credit limit. XXXX XXXXXX/XX/XXXX XXXX were quick to report it to all 3 bureaus. The day after I realized I went over the credit limit I made a payment to bring my balance under the credit limit. XXXX XXXX XX/XX/XXXX XXXX were not quick to inform the 3 bureaus I made a payment. I contacted XXXX XXXXXX/XX/XXXX XXXX and informed they report all payments at the same time to all 3 bureaus. XXXX is behind in its reporting of my payments. How is this fair to the consumer? The positive and the negative should be reported quickly.

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 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
my husband told me that a woman XXXX XXXX was trying to reach me about serving me with a summons to appear in court and would not tell him anything else - i called the # and was told she was transferring me to an " attorney '' named XXXX XXXX - he said he was from capital consulting services - he got on the phone and told me he was representing citibank and that i owed them over {$5000.00} and that if i didn't set up a payment plan with them today that a process server would show up at my work tomorrow with summons to appear in court. he told me the debt was from XX/XX/XXXX-XX/XX/XXXX and that they received acct in XX/XX/XXXX. i told him i needed more information and would contact citibank and to not contact me any further and i hung up. he then proceeded to call my work # 3 more times ( once when a co-worker asked him not to call back ) until he asked for a supervisor to arrange a time for a process server to serve me with papers. i told him what he was doing was illegal and abusive and to not call me at my work again and that i was going to report him to the FTC.

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 2019-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Comerica
State: MI

Complaint narrative:
On XX/XX/2019 I received notification from Comerica Bank that my Comerica HealthReserve HSA account would be moved to XXXX XXXX   unless I sent a transfer request Comerica c/o HSA Transition XXXX XXXX XXXX XXXX XXXX, FL XXXX before XX/XX/XXXX, XXXX.The request was mailed from my new HSA Trustee/Custodian XXXX XXXX XXXX XXXX on XX/XX/2019. 

On XX/XX/2019 the XXXX XXXX XXXX XXXX called me to indicate the request was returned from the US Postal Service as un-deliverable. On XX/XX/2019 I called Comerica c/o HSA Transition contact number XXXX. Upon calling the number it gave a new number for XXXX XXXX. I called XXXX XXXX and was told I must sign their forms and pay their fees. 

I would request that my HSA funds be submitted to XXXX XXXX XXXX XXXX as soon as possible without any additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC
State: GA

Complaint narrative:
I signed a purchase agreement for the property at XXXX XXXX XXXX XXXX XXXX with mortgage equity prime. I sent in a plathera of documents and signed many documents to become the owner of this property. The seller and I agreed that I would put up {$1500.00} in earnest money. We negotiated a contingency giving me 21 days to back out and terminate the deal. Enough time for me to get my contractor to inspect the property and get the bid etc. However I would get the earnest money back if I discovered any unforeseen problems with the property. Because this was going to be a rehab property, the lender required me to get a home consultant to manage the renovations. They offered me a list of consultants to pick from. I paid the home consultant {$400.00} up front for his services and was told I would be reimbursed at closing. After several months finally we set a closing date in late XX/XX/XXXX. The day Im supposed to close at XXXX, I get a call from a person that works with mortgage equity prime. Saying there was a compliance issue and between the processor and underwriter they didnt properly put the 15 % reserve in the official closing documents. I was told the company will take {$12000.00} hit if they insisted to close the loan. I was told everything was completed perfectly on my part, however they just made a very bad error. Also the people In place working on my file were merging over to a company called XXXX. I was advised strongly from someone in the company to switch over To the new company or else my loan would definitely not close. I was out another {$1500.00}.

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 2019-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have an account with Bank of America. Additionally, I have XXXX  college age children with accounts at BofA, all associated under my name. My XXXX year old daughter XXXX had a number of transactions hit her account over several weeks time. The bank did not pay these out because it would put her account into an overdraft. However, the bank did assess overdraft fees on her account, putting her into overdraft. There were a total of 23 fees  assessed for {$800.00}. To make matters worse, the bank took money from my sons account, even though he had nothing to do with my daughter. So he is now short over {$870.00} in his account. I did try to reason with 6 different people at Bank of America. They will not reverse these charges. I need your help because this is wrong and unfair!

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