vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 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: GA

Complaint narrative:
hello to whom it my concern, in XX/XX/XXXX I viewed my transunion credit report only to find 13 inquiries that I have no knowledge of what so ever those inquiries are listed below : 1.XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX  Inquiry from XX/XX/XXXX 3.XXXX Inquiry from XX/XX/XXXX 4.XXXX XXXX Inquiry from XX/XX/XXXX 5.XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX Inquiry from XX/XX/XXXX 7.XXXX  Inquiry from XX/XX/XXXX 8.XXXX Inquiry from XX/XX/XXXX 9.XXXX XXXXnquiry from XX/XX/XXXX 10.Brclysbankde Inquiry from XX/XX/XXXX 11.XXXX Inquiry from XX/XX/XXXX 12.XXXX XXXX Inquiry from XX/XX/XXXX 13.XXXX XXXX Inquiry from XX/XX/XXXX on XX/XX/XXXX I contacted transunion by mail to ask them to remove those inquiries or to investigate or verify them they replied back with letter stating that I should contact the companies listed in the inquiries on XX/XX/XXXX I sent another letter requesting to remove those inquiries and still no response I spoke with transuion customer service on the phone several times and they refuse to remove them from my report. 
at this point I do not know what else to do in order for this company to remove these unauthorized inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I originally found an account through Care Credit on my credit report in XX/XX/XXXX. The account had a XXXX balance and I contacted Care Credit right away and made a fraud claim with them over the phone. I never heard anything from them further regarding this account. 
In XX/XX/XXXX I received a Care Credit card in the mail and again contacted them. This time the account had a {$12000.00} balance owed. I again made a fraud claim with them advising them I never opened the account or charged {$12000.00} at a doctors office. The advised this was not the same account as the prior incident and they would investigate. Again I never heard any further from them. 
In XX/XX/XXXX I again receive a Care Credit card in the mail. I call them to see what is going on and they advised they had closed my prior investigation stating they confirmed my identity based on a fake identification shown by the " suspect '' and a " bio-metric '' video again provided by the suspect when she open the card. I was upset to say the least since I was never contacted to assist or provide any additional information. They advised I could mail or fax a copy of my driver license to them, which I did both. I also insisted on email or uploading that information and they said they do not accept documentation that way. 
On XX/XX/XXXX I again contact Care Credit to see what the status of the investigation is. They advised that the investigation was again closed as they were unable to confirm that a police report was taken, they never received my fax or mailed documents and they attempted to contact me and the phone rang busy. I have no idea how any of that could be true. I was again advised to fax or mail my documents. I insisted on an email or load and was again refused. I asked to make a complaint further up and was advised that this employee would make the complaint for me and that the calls are monitored for key words of dissatisfaction and generate their own claims. Refusing to allow me to talk to anyone else. 
With all that said I'm 3-4 months into an ongoing issue with this company who refuses to work with me or accept any of my documentation. 
**I have also been in contact with the doctors office where this charge originated and they advised that after I notified them they cancelled the scheduled procedure with the suspect thus there should have been no charge on my account. I again reached out to them in XX/XX/XXXX and they advised they would contact Care Credit and clear this 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 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation
State: CA

Complaint narrative:
A landlord refuses to refund the security deposit and pre paid last month payment, and decided to hire a collection company XX/XX/2019 A collection company, Credit International Corporation in XXXX Wa. fails to serve any documentation. 

XX/XX/2019, XXXX XXXX called and notified that I wasn't responding and therefore they are going in to a collection process. I have repeatedly called back with no answers. 

XX/XX/2019, the collection agency reported a derogatory on all credit bureaus. 

Again this morning, a call was made and Mr. XXXX hung up again, failed to provide me with evidence of debt. 

A letter was written and sent to the Credit International Corporation and filed complaint with FTC and CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a Shell gas card from Shell/CBNA ( Citibank ) for 18 years until I filed for bankruptcy. When I filed bankruptcy last XXXX, I did not include Shell on my Schedule of Creditors ( attached ). I called Shell beforehand telling them I wanted to keep the card, I paid the little amount of money I owed them, and told them I wanted to keep the card. The card was cancelled, that's their right, but they report the card as " included in bankruptcy '' or " discharged in bankruptcy. '' I did not include them in my list of creditors, paid off my balance, I do not understand. I called Shell in XXXX to reinstate the card, reaffirm the debt ; they performed a hard inquiry on one of my credit reports for that purpose and denied me-which is their right. But i don't believe it's their right to associate their account with my bankruptcy when i paid them and didn't include them in it. 

This action contrasts with XXXXXXXX ( XXXX XXXX ). They were not listed in my Schedule of Creditors, like Shell, yet they closed the account but they are not reporting it whatsoever as a bankruptcy- as it isn't ; as Shell isn't. In fact, I am awaiting a decision from XXXX/XXXX to reinstate the card. I paid them in full like Shell. XXXX XXXX/XXXX did the right thing, Shell didn't. 

Please see the attached excepts from experian pertaining to these two 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 2019-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MIDFIRST BANK
State: NY

Complaint narrative:
I recently opened an online savings account with Vio bank. I requested transfers from my XXXX checking account to Vio for the following amounts : XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$25000.00} I then received a notice that my checking was overdrawn because another transfer was requested on XX/XX/XXXX for another {$25000.00}. 

I then received a Vio email that yet another transfer was unable to process on XX/XX/XXXX in the amount of {$5000.00}. 

These additional transfers have overdrawn my XXXX Checking account and put me at serious risk of not being able to pay my bills. 

I asked Vio bank to stop the excess transfers and they told me they would need to open a dispute which could take up to 90 days. 

I finally put a stop payment for the excess {$25000.00} with XXXX that cost me a {$30.00} fee. 

I don't know if my account was hacked or how the excess transfers were initialized, but they were not done by me.

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 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I was served with a Summons to Answer in the third week of XXXX, with no prior notice. 15 U.S. Code 1692g indicates that they must send an initial g letter, and allow up to 30 days for me to respond. I have  no information about this debt. I attempted to obtain information from the original creditor, as claimed, by the collections agency, but stalled, delayed, and given the run-a-round, with no information about this debt has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted experian, about several issues not updated in their report for credit card balances, this particular card showed XXXX balance on a XXXX credit limit. When my balance was XXXX. I filed disputes with them. Experian contacted my credit card company XXXX XXXX and asked them to lower my credit limit to XXXX, when I have not ever been late on, then updated my balance. Which would drastically lower my credit score,  instead of raising 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 2019-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: DE

Complaint narrative:
Earlier this year, I received a call from someone asking if I could verify myself, I refused so they said they were unable to assist me. I then received another call asking me to verify myself again, I then asked them to verify who I was since they were calling me. I was then told that if I do not verify who I am that they are unable to assist me. About month or so later ( I believe XX/XX/2019 ) I noticed a new negative account on my credit report. So, I was never advised that this was an attempt to collect a debt, nor was I advised that I could dispute this debt, nor was I offered any verification of this debt. I still have this debt on my credit report LISTED TWICE FROM TWO DIFFERENT DEBTORS as if there is more than one account in question. However, I have not authorized any chargers nor have I signed any credit agreements for the credit card debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
XX/XX/2019. Pioneer Credit Recovery has called my neighbors that I dont even know. They literally just moved in in XXXX. They told them my personal business. They were not on my reference list as I dont know them. This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, THURSDAY, XX/XX/2019 I tried to order my first credit report online today. 

I went through XXXX XXXX first. When I was trying to set up an account with them, I received a notification that impeded me from moving forward. It read : " Your personal information doesn't match with credit bureau records. '' To my knowledge, the information I was providing to them was and should be correct. 

I filed a complaint email to XXXX XXXX to seek a solution. Their response was that my information did not match up with the file TransUnion had on me. 

So I contacted TransUnion, spoke to one of their representatives ( XXXX ), provided them with the same information and they found no file on me. The representative offered that I send documents to start a credit report, I declined and did not take any further action. 

I let XXXX XXXX know that TransUnion did not have a file for me, and as of this moment, I have not heard back from them. 

I tried to access my free credit report via the Annual Credit Report website and chose to receive it from TransUnion to keep consistent, and I could not access it either as a notification that said " We do not have a record that matches the information you entered '' appeared. 

I am filing this complaint because : 1 ) I want to check if I have a credit report. If I do have one, why can't I access it?

If I do not have one, should I be concerned of fraud or of another problem since XXXX XXXX   mentioned TransUnion DID have a file on me? 
( I do not know if I have a credit history, something I was trying to find out through XXXX XXXX, but as you have read, it was not possible to set up an account because my " information did not match with credit bureau records. '' ) 2 ) I want to check what information is available on me to confirm that it is correct. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I contacted XXXX, about several issues not updated in their report for credit card balances, this particular card showed XXXX balance on a XXXX credit limit. When my balance was XXXX. I filed disputes with them. XXXX contacted my credit card company Citi Finanacial and asked them to lower my credit limit to XXXX, when I have not ever been late on, then updated my balance. Which would drastically lower my credit score, instead of raising 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 2019-09-13 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX Regions bank fraud dept. emailed me to call them. When I did, they told me that they had closed my Debit card, because of a fraudulent charge, which they said they had refunded. They didnt tell me of any other charges that looked suspicous. By the time I got to the bank on the XX/XX/XXXX, I saw 4 transactions that I didnt authorize., on XX/XX/XXXX. 
Claim XXXX XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX. {$79.00} XXXX XXXX XXXX. {$99.00} XXXX XXXX XXXX {$99.00} On XXXX, I got a letter stating that these merchants stated that they obtained my authorization, when I signed up for a trial offer. 
I looked up the merchants and called them the first 3 stated that they dont have an acct With my name, address, zip code or phone no. And I never signed up for any trials. 
Iron scalp doesnt have a web site, so I was unable to track them/ call them. 
I tried to send this information to the fax no. on the denial letter, including who I talked to, their phone no. also. 
XX/XX/XXXX, The bank manager called to tell me that the fraud dept. is still denying these.I have tried to contact the fraud dept., but each time I am on hold for 20 to 30 min. The branch mgr. stated, that even he cant get a hold of these people to plead my case. 
From the moment they put in my claim, the bank has been saying, that it was highly likely that I wouldnt get my money 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 monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I have 2 complaints about M & T. 
1 ) questionable tactics to takes someone's home and foreclosure. 
2 ) having a loan modification process that gives the consumer only 18 days to provide dozens of documents. Some like taxes, have to be ordered. When the customer can not get the long list of documents in the 18 days. M & T cancels the customers application and deletes their account. they are just mean.. 

I am the most disappointed i have ever been with a company and can not believe they can do business like this and get away with it. Quick summary is the bank refused, yes refused to take my payments and started sending me foreclosure notices. 

Thanks. Just a couple more fact 1 ) fact 1 my payment suddenly went up {$1200.00} in XX/XX/2019 because M & T did a escrow adjustment, i had no idea, that was going to last 2 years. 
2 ) fact 2 i became behind for XX/XX/XXXX ) fact 3 i offered to pay {$3900.00} in XX/XX/XXXX which is a full payment and they refused. They refused my payment.They then proceed with letters from lawyers to my house threatening foreclose. The only way i can describe what they did is the word evil.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: CITIBANK, N.A.
State: PR

Complaint narrative:
Multiple Hard Inquiries were made without my consent or incorrect dates and followed credit bureau instructions to reach the lenders but they havent been able to 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 2019-09-13 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: LA

Complaint narrative:
This account has no accounts tied with my credit all of the ac ounts are gone This also this not verified by the court

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
Multiple Hard Inquiries were made without my consent or incorrect dates and followed credit bureau instructions to reach the lenders but they havent been able to 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 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

Date of last reported is still XX/XX/2018, how can you explain that you verify this account with an old date not even being updated? This is rediculous! have this deleted immediately, otherwise I will file a complaint against your agency!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I never had XXXX in my life, and I always use my military insurance when I go to the hospital. I guarantee that I have never went to XXXX what so ever. Maybe I was a victim of ID theft. As a result the hospital who provided the services should be able to identify the person in question as they are supposed to protect my person as a consumer. I cant believe that such injustice happened to me. When I call the hospital they stated that they didnt perform any service under this name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: FL

Complaint narrative:
I have Been a victim of Identity Theft. I did not authorize these Accounts

Company response to consumer: Closed with non-monetary relief