vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-26 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: FL

Complaint narrative:
I've called all 3 credit bureaus about these hard inquiries that appeared on my credit score. I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago.

Transunion >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 >XXXX   >XXXX >XXXX >XXXX  >XXXX >XXXX   >XXXX >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 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a new Citibank Checking account in XX/XX/2018 in response to a promotional offer. The offer was to open a Citibank Account with {$15000.00} and receive {$400.00} once all conditions were met. As of XX/XX/2018 the terms and requirements were met on my side. I have been in contact with Citibank multiple times with no resolution.

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 2018-11-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She received a notification that someone used her information without her consent to apply for an account with XXXX XXXX  XXXX XX/XX/2018. An inquiry is being reported to XXXX, XXXX and XXXX credit bureaus. Shortly after she received another notice concerning an application submitted to CitiBnka, NA ( CBNA ) the same date XX/XX/2018 that also resulted in an inquiry into her credit reports. Both banks were sent formal disputes of these actions XX/XX/2018 certified mail with return receipt. As of this date neither of these banks have replied with the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.

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 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My unemployment check was deposited XX/XX/2018 and XX/XX/2018. 

The banks has added so many fees they charged me {$1200.00} in fees taking the majority of all my money and they can not explain the charges. This is an overt abuse of fraud XXXX XXXX : PAYMENTS ID : XXXX   XXXX  : XXXX XXXX XXXX ID : XXXX  XXXX XXXX XXXX : PAYMENTS ID : XXXX XXXX : XXXX XXXX XXXX ID : XXXX  XXXX Rewards Savings - XXXX  Summary Available balance ( as of today ) : {$18.00} Help for Available Balance. What does this include?

Bank of America Account

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 2018-11-26 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: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I orginally filed a complaint with XXXX XXXX XXXX that has been resolved and close but they have not comply with the resolution complaint number XXXX submitted on XX/XX/2018 resolution XX/XX/2018. XXXX XXXX XXXX failed to delete information off credit report as of XX/XX/2018 viewing recent credit report information still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: FL

Complaint narrative:
My available funds said I could transfer {$87.00}, so I did & my balance was XXXX after that. 2 days later, I have a {$36.00} overdraft fee and was told that I didn't have {$87.00} to transfer, that I only had {$80.00} so I overdrafted. Why would it let me transfer money that they say I didnt have? This is the second time this has happened, the first time they charged me 2 bounce fees. I am owed {$100.00} for fraudulent fees. I have gone as high up as the corporate office and they refuse to do anything. BB & T XXXX XXXX, XXXX, FL.

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 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I received a notice of a past due mortgage payment for my home loan on XX/XX/2018. To be clear, I ALWAYS pay my mortgage early, and was very concerned about this notice. At that time I went online to view my account and noticed a posting error made by Mr. Cooper going back to XX/XX/2018, which applied my entire payment as an additional principal payment. I contacted their office and spoke to a CSR who indicated that this would be resolved, AND my late charges would be removed. This correspondence took place on XX/XX/XXXX, and still nothing has been fixed. I am now seeing that my XX/XX/XXXX payment is past due, and I was assessed yet another late fee!!! The Credit Case Number is XXXX. 

Additionally, I have called the XXXX number on Thursday the XX/XX/XXXX, told the office is closed and would be open on Saturday, Called Saturday, told the office is closed and will be open on Monday. Called Monday, told the office is closed and will be open on Tuesday. 

I am disgusted with the level of service this company provides. I have now been assessed over {$240.00} in late fees, company will not call me back. Office seems to be closed all the time. I am VERY concerned about my credit being impacted and the late fees assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: FL

Complaint narrative:
I've called all 3 credit bureaus about these hard inquiries that appeared on my credit score. I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago. 

XXXX  >XXXX >XXXX >XXXX >XXXX  >XXXX  >XXXX   >XXXX >XXXX >XXXX  >XXXX   >XXXX >XXXX  >XXXX >XXXX  >XXXX >XXXX   >XXXX >XXXX Equifax >XXXX  >XXXX >XXXX >XXXX   >XXXX >XXXX  >XXXX  >XXXX >XXXX >XXXX   >XXXX >XXXX >XXXX  >XXXX >XXXX   >XXXX  >XXXX  >XXXX >XXXX  >XXXX  >XXXX   >XXXX >XXXX  >XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've called all 3 credit bureaus about these hard inquiries that appeared on my credit score.  I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago. 

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 >XXXX >XXXX >XXXX >XXXX >XXXX >XXXX   >XXXX >XXXX >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 non-monetary relief
Consumer complaint received 2018-11-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been writing every 30 days to XXXX and Experian about a Bankruptcy that is showing on my credit and i have wrote XXXX and it was removed but stills appears or other too I have wrote UNITED STATES BANKRUPTCY COURT in XXXX fl and they did send confirmation that they do not verify and the credit bureaus keep saying they have verify with the bankruptcy department this bankruptcy is not my account I will include letter from bankruptcy department and XXXX  report showing bankruptcy been removed

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 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ref : XXXX XXXX XXXX you are the only one showing this account on my report there was a fraud alert posted filed with all gov doc s this account is under protest and has been FCRA section 623 and FDCPA 806 { b } state that the creditor must enter a notice of dispute .if this is not entered the account can not report on the credit file in which I have disputed with you for over 6 months. according to the Fair Credit reporting act section 609 { 8 } { 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 service could Fax -email in a fraudulent account.I demand to see Verifiable proof { an original consumer contract with my signature on it } the other reporting companies could not produce this and removed it } .your failure positively very this account has hurt my ability to obtain credit .under the FCRA, Unverified accounts must be removed as the other credit companies have. you have on file all documentation government and police reports to handle this matter and remove this account, account does not state in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: VA

Complaint narrative:
I have a freeze in place, and a fraud alert. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.

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 2018-11-26 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: GA

Complaint narrative:
for the past 90 days since XX/XX/XXXX i have not received an accurate report of my credit/vantage score i was placed as an authorize user but still never got an accurate score reflecting me as an authorize user

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 2018-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
Received a call from ARA XXXX XXXX. Claimed I owed XXXX, used my SS # and was vague about the issue. I hung up and he called back and said that since I did so I had proven my guilt. I called back and asked him what I was guilty of? 
He sounded like a scam artist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Opened an account with Capital One Credit Card 3 weeks ago. A day before my card arrived the card was listed as restricted. I received my card and was not able to activate it due to the restriction. On XX/XX/18, I called to enquire about the restriction and how to resolve it. They sent me a link to submit my personal documents to verify my identity. I was not able to send my SS card as the only proof of name change was my marriage license. I also sent my drivers license, passport, birth cert, XXXX license, bank statement. I called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They still stated the documents I sent were not adequate enough. They should have stated that from the first call. No SS card, no approval. I just sent all of my personal documents and I feel that they are fraudulent for not stating that they will ONLY accept a SS number. They have also done a hard pull on my credit. I will cancel the unusable card since they will not accept my current documentation. I want the closing of the card to not affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: IN

Complaint narrative:
I have recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with Transunion and 13 with XXXX along with XXXX none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.

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 2018-11-26 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: VA

Complaint narrative:
I have a freeze in place, and a fraud alert. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.

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 2018-11-26 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: VA

Complaint narrative:
I have a freeze in place, and a fraud alert. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Hide Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF {$500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX , NV-XXXX Account Number : XXXX Status : CHARGE-OFF Account Owner : Individual Account. High Credit : {$850.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$500.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : N/A Creditor Classification : Activity Designator : Transfer/Sold Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Credit Card Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Charged off account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$25000.00} Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan. : Installment Credit Limit :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 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: GA

Complaint narrative:
creditor : XXXX XXXX XXXX XXXX Balance:XXXX account : XXXX creditor : XXXX XXXX XXXX XXXX XXXX   Balance:XXXX ACCOUNT : XXXX creditor : XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX XXXX Balance:XXXX   account:XXXX THESE ARE MY SONS ACCOUNTS AND THEY PUT THEM ON MY CREDIT! PLEASE REMOVE THESE ITEMS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 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: Credit Karma, LLC
State: GA

Complaint narrative:
for the past 90 days since XX/XX/XXXX i have not received an accurate report of my credit/XXXX XXXX i was placed as an authorize user but still never got an accurate score reflecting me as an authorize user

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
for the past 90 days since XX/XX/XXXX i have not received an accurate report of my credit/XXXX XXXX i was placed as an authorize user but still never got an accurate score reflecting me as an authorize user

Company response to consumer: Closed with explanation