vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 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: TX

Complaint narrative:
On XX/XX/XXXX I notified XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following company Inquiries : XXXX XXXX XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b and a serious breach of my privacy rights. I requested copies of documentation associated with these accounts bearing my signature, in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that XXXX maintain under my Social Security number. I have not receive copies of documentation associated with these accounts bearing my signature, they continue to report negatively on my credit report. I sent a follow-up certified letter to XXXX regarding this matter but they still failed to provide documentation bearing my signature. This has been a nightmare, as of XXXX I have filed a Identity Theft report with the FTC report and carry this report everywhere I go. Also, I am having issues with TransUnion removing inaccurate reporting on my credit report company Inquiries XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have ongoing complaint and investigation filed with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
I have not agreement or do I own this bill. This collection agent has Placed this same bill on my credit report under different names in the past and all removed by : XXXX, XXXX, and XXXX. Now under AFNI agent, they changed the name and put it back on my credit report. Once again XXXX and XXXX take it off, but XXXX is giving me problems. They also call me for at least 10 different number minutes apart all day and use different names, but the same bill. I have called XXXX and I was told they do not have any in my name, with my SSN or address. I ask for any proof of agreement or contacted and I never received anything. I am a XXXX and having a very serious medical problem and others have to take care of me, so I need help with this matter. 
Thank you. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Interest rate for Shell ( gasoline credit card ) through Citibank is 27.24 % and is therefore usurious, unlawful and unconscionable. I requested this date, XX/XX/2019 by phone ( XXXX ) with a Citibank representative to lower to rate, but was unjustifiably refused. Ttoal amount / new balance is {$2100.00}. Card is closed but I am paying down the amount due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
never had an account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am in the middle of a home purchase! I consolidated my student loan through XXXX. This is good! However, when it came to the XXXX reporting it has been a horrible experience. XXXX first reported to the bureau that the loans were paid. This reporting shows in my positive section. However, Instead of XXXX reporting that the loans are paid, closed due to consolidation the loans are reporting twice. They also report that the loans are closed which has a negative impact and the loans are listed as an negative item. This has caused my score to drop significantly 30-100 points on each of my reports.. Then finally they report the new consolidation as a NEW loan. The loans are reporting as closed. Not closed & paid, or consolidated. This is unfair to the consumer. They are making 3 different reportings all for one transaction. I am unable to close on my home. I have worked over a year to get this report in order and have succeeded. Please help as I am certain that XXXX is causing multiple customers this pain. I have reached out to XXXX by phone as well as letter. I was informed that this is how they report. 

I have included a statement of my XXXX account. Also, the date they have listed as my new account date is incorrect. The XX/XX/2019 date is the pay off date for my loans. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am in the middle of a home purchase! I consolidated my student loan through XXXX. This is good! However, when it came to the XXXX reporting it has been a horrible experience. XXXX first reported to the bureau that the loans were paid. This reporting shows in my positive section. However, Instead of XXXX reporting that the loans are paid, closed due to consolidation the loans are reporting twice. They also report that the loans are closed which has a negative impact and the loans are listed as an negative item. This has caused my score to drop significantly 30-100 points on each of my reports.. Then finally they report the new consolidation as a NEW loan. The loans are reporting as closed. Not closed & paid, or consolidated. This is unfair to the consumer. They are making 3 different reportings all for one transaction. I am unable to close on my home. I have worked over a year to get this report in order and have succeeded. Please help as I am certain that XXXX is causing multiple customers this pain. I have reached out to XXXX  by phone as well as letter. I was informed that this is how they report. 

I have included a statement of my XXXXt account. Also, the date they have listed as my new account date is incorrect. The XX/XX/2019 date is the pay off date for my loans. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I was charged 3 x {$30.00} ( {$90.00} total ) for the first checked bag fee on XXXX XXXX domestic flight for myself and 2 companions. 

At the time I had a Gold card and was told on the phone by a Citi agent prior to this flight that I would not be charged for 1st bag fees as I encountered on a prior flight. They would fix it in their system and make sure my rewards were correctly linked. 

However, I was fraudently mislead as I was charged the {$90.00}. This apparently because it is not a Gold benefit, but only a Platinum credit card benefit. If I was correctly informed, I could have avoided the fees by upgrading to a Platinum card, or planned baggage differently. 

Citi acknowledges that the agent misinformed me, but that it is not a benefit for the Gold card. That is the same to me if a retailer informed me that something was free, but then charged my credit card anyway. I'm sure in a dispute Citi would agree that is not right and my charge would be reversed.

I'm asking the same for Citi, that they will refund me this charged that Citi told me wouldn't be charged. It is not my fault their agent was not appropriately trained to provide me the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Financial Institutions such as Capital One are Circumventing and Evading Rule E, and Consumer Protection Law 's Ref.U.S.C.1693 and others by refusing lawful payment that can NOT result in Overdraft Fee 's, and requiring only payment methods that CAN result in Overdraft Fee 's. Because this is happening to Millions of Consumers and not just me individually, and costing over 8.5 billion dollars each year, the CFPB needs to Update Rule E in order to close the loop holes, and allow Consumers the right to choose NOT to opt in, and NOT pay Overdraft Fee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Credit Collection Services are stating the purchase debt from XXXX. Stated to Credit collection   I've never done business with nationwide. Asked credit collection services of a legally signed document that validated debt. They told me they could do that unless I initiated a fraud investigation. Told them my uncle is an attorney and was instructed they have to provide me a legally signed documentation under section 623 and representative hung up the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Attempting to collect a debt I don't know. Tried to get resolved previously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
i was denied a home loan modification by bank of america. they are the loan servicer for XXXX XXXX XXXX XXXX. i had to fill out a separate XXXX XXXX XXXX financials. I am in bankruptcy ch XXXX for the 4th time as the judge allowed it due to a hardship. my son passed away in XX/XX/2017 due to a XXXX XXXX, his 7th and final. My wife found the body. We both have XXXX, but my wife has XXXX. We were asked for a hardship letter describing details, probably focousing in the mental aspect versus the sever monetary issues that developed due to these many issues. 
In the denial letter they stated that my income was not enough to support anything besides a short sale. When i asked them what level they were using, and what level would make it work they said they could NOT provide me that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, I have reached out to Equifax and have asked them could they report missing credit cards to my report and have not gotten a response. By adding these credit card accounts would greatly help my credit score that will enable me to purchase my first house. I really do appreciate the hard work that comes from the employees at Equifax and from the CFPB. I really look forward to getting this small but impactful issue resolved. Thank you very much for your love and consideration. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I placed an order for XXXX XXXX  cleaners for {$XXXX} XXXX. The order was only partially fulfilled by the vendor. I contacted the vendor by email, telephone message, XXXX, and XXXX without any response. 

After allowing a week for a response from any channel and receiving none from the vendor I initiated a dispute online a the Chase disputes website. The dispute form does not easily allow for partial disputes so I opened the dispute and the followed up with a telephone call. The amount in dispute is XXXX of the order price as only XXXX of the order was shipped. {$XXXX} On XX/XX/XXXX I received a note from Chase that I had validated the charge and that they would be rebelled. 

I had not validated the charge. I followed up by contacting Chase Disputes at the number on the letter and they insisted that I had on XX/XX/XXXX ( which is absolutely impossible as I was in XXXX during that time ). They insisted I had to re-open the dispute by mail. I have copied their letter, replied that I never validated the entire charge, that the dispute for {$XXXX} is still valid. 

Chase is argumentative and unhelpful. They improperly closed a dispute in violation of the Fair Credit Billing Act. I have met all my obligations by timely filing my dispute and timely follow up to their invalid closure of the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-24 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Through out the duration of my loan I made two payments, one approximately on the XXXX and one on the XXXX. In XX/XX/XXXX I began receiving calls from Hyundai Capital America stating that they had not received any of my payments. I explained to them on serveral occasions that I submitted payments. I also requested they document our conversations. In XX/XX/XXXX I noticed they began reporting late payments which was inaccurate. I called them and advised them and still no resolution. I faxed proof of payments and still no resolution. I then reported a discrepancy with the credit bureaus and they declined responsibility after I submitted proof from my back. I called them to question the dispute and they stated they have a section called care team that dealt with the disputes but I was not able to speak to them regarding my dispute. They failed to assume responsibility and have impacted my credit after I have tried to contact them via fax and submitted the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
XXXX from Easy Money called my job. An employee, XXXX, told her that I wasnt available and to not call here again. XXXX replied if XXXX doesnt want us to call then she has to call and talk to us. XXXX again told her to not call the office again. XXXX hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I have had an issue that has been ongoing since my loan has been transferred from XXXX back in XXXX to Specialized Loan Servicing. I have spoken to approximately 14 to 16 different people regarding this situation and have provided the necessary documents to SLS to research the missing payments. I have yet to hear of a resolution and I have not been contacted by anyone to this date. I spoke to my previous mortgage company, XXXX and they informed me that two payments were forwarded to SLS after the transfer of the loan in XXXX. One payment was forwarded on XX/XX/19 totaling XXXX and another payment was forwarded on XX/XX/19 totaling XXXX. Those payments were the XXXX and XXXX payments. I am extremely disappointed with how this has been handled. I have been contacting SLS since XX/XX/2019 and have not yet reached a resolution. I provided proofs of payment notarized from my bank on XX/XX/2019 as instructed. These documents were received and I called to verify via telephone on XX/XX/XXXX. I spoke with XXXX at SLS in missing payments and was told the issue would be researched and resolved by XX/XX/2019. I  spoke to XXXX on XX/XX/XXXX who promised me the issue would be researched and a follow up phone call would provide resolution. I spoke to supervisor XXXX on XXXX who promised a phone call back within a 2 hour time frame with a resolution. I called on XX/XX/XXXX and spoke with XXXX who promised a supervisor would return my call. I then spoke to XXXX in the XXXX, AZ office who informed me that her supervisor XXXX would return my call within 2 business days. I called on XX/XX/XXXX to try and reach XXXX but I was told he was unavailable. It is now end of business on XX/XX/XXXX and to this date I have Never once received a call back and there is still no resolution. After all these contacts I am in shock that I have not gotten a courtesy call from a supervisor that I requested multiple times. 



Thank you, XXXX XXXX XXXX Sent from my XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have tried on several attempts to have Bank of America turn off automatic payments withdrawals on an account. This was set up online and they have revoked my online access so I can not turn it off manually. When I call, I get the run-around. I just tried again and was sent to seven different representatives, who would not resolve, or said they didn't have access to resolve this issue. The last person I spoke with, XXXX XXXX, took an abrasive attitude and started strong-arm tactics regarding collecting the debt on the loan. I told him I would be more than happy to discuss the status of the loan once I was assured the automatic withdrawals feature had been turned off. He continued to harass me about the balance of the loan and refused to answer if the automatic feature would be turned off. I asked to speak with a supervisor to which he told me she was on another call and refused to tell me her name. I pointed out to him I was happy the call was being recorded by Bank of America to which he started insisting that I had no right to record the call. I told him, it was Bank of America who initiated the recorded call and because they had, I had just as much right to record the call. He continued to be abrasive and refuse to help me with turning off the automatic withdrawal from my bank account and kept interupting me, even after asking me a question. I told him all I was trying to do was deal with Bank of America in good faith, yet he continued to interupt and use harrasing tone and language instead of addressing this concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: TN

Complaint narrative:
Collection Bureau Of America/XXXX XXXX or XXXX has sent me to collections for a service I never started. I have disputed the account with the credit bureausXX/XX/XXXX and XX/XX/2019. I have requested documentation from XXXX   XXXX proving the account to be mine because I have never had water service from them or any other bottled water company. The have not and will not send me any documentation. As well they notify one credit bureau that the account is valid but will not send them documentation proving the debt. This collection has caused me to place a fraud hold on my credit because I know I did not have an account with this company and they will not send me verification.XXXX XXXX just tells me to file a fraud report with the credit bureaus. I need documentation of the account to do so but again they have not provided me or the credit bureau anything. I have filed complaints with the better business bureau XX/XX/2019 as well to try to get this fixed with no results. As of today their response to the BBB is for me to file a fraud report. Again I need documentation from them to prove the account is mine in order for it to be legit fraud other wise it could be as simple as someone with a similar name.

Company response to consumer: Closed with explanation