vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian double reporting on credit report failing to remove accounts that XXXX reported to them to remove.Acting as a collection company { remove account they are wrong, double reported, over the statue of limitation told to remove

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 2019-03-28 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: GA

Complaint narrative:
I was advised to contact this agency regarding items on my credit that are not mine. The first time I noticed something weird is when I applied for a XXXX account and was not approved. I then went to my bank who I have bank with for the past 6 years which I also have car loans with and they did not approve me for a personal loan. Please take these items off my credit. I have contacted my local police and the FTC. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf.

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have reported to all three credit bureaus that there is residence information that does not apply to me, and the information showed back up on my report and has also been included on employment background checks for XXXX County in Pennsylvania. I have advised them that the information belongs to my sibling and not myself, most recently viewed during a potential employer 's background check. I have initiated the correction to be made several years ago and most recently, XX/XX/2019. This erroneous information could be affecting future employment, and I am enlisting the bureau 's aide in finally resolving the issue. I have the emails that correspond with the investigation, and the completed reports for further review. I have documentation available upon request, as I am having problems uploading the information to attach.

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 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
This is Identity Theft case. I didnt use this Discover card for years. I do not aware of this dispute until XX/XX/2018 after I received all letters of the delinquency of my credit cards. My record now is clear after disputing to XXXX back in XX/XX/2018. Except Discover card is back and force to send the same information to me. And forwarded to XXXX & XXXX for further question, I did send addition documents such as XXXX form, Utility Gas bill & my Driver license. Discover again sent me a letter which ignore what my additional documents, but just insisted the card is belong to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: GA

Complaint narrative:
I was advised to contact this agency regarding items on my credit that are not mine. The first time I noticed something weird is when I applied for a XXXX account and was not approved. I then went to my bank who I have bank with for the past 6 years which I also have car loans with and they did not approve me for a personal loan. Please take these items off my credit. I have contacted my local police and the FTC. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf.

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 2019-03-29 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:
I was advised to contact this agency regarding items on my credit that are not mine. The first time I noticed something weird is when I applied for a XXXX account and was not approved. I then went to my bank who I have bank with for the past 6 years which I also have car loans with and they did not approve me for a personal loan. Please take these items off my credit. I have contacted my local police and the FTC. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA Compass has charged a total of 62 Non-Sufficient Funds each for {$32.00} on our XXXX XXXX Account between XX/XX/XXXX and XX/XX/XXXX. These fees are invalid and outside of the fee schedule received at account opening. Fees have been charged on transactions that did not overdraw the account as well as transactions that were refunded by merchant. BBVA Compass has since refunded only 10 of these fees. There are {$1600.00} in NSF fees outstanding that BBVA has not reversed. Out of these {$1600.00} in NSF fees, BBVA has  furthermore charged 14 NSF fees for transactions that did not leave the account with a negative balance as well as refunded ones. The invalid fees have been brought to the attention of XXXX XXXX, branch manager at BBVA Compass in XXXX, CA. XXXX XXXX contends that these fees are fair and just and in accordance with the BBVA Compass fee schedule. All communications, bank statements and the BBVA CompasXXXX fee schedule have been attached with this complaint. The Bank Manager 's contact information is provided below. 

XXXX XXXX Branch Retail Executive- XXXX XXXX CA NMLS # XXXX XXXX : XXXX Fax : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN RESPONSE TO CFPB : XXXX Dated : XX/XX/XXXX Todays dateXX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 
I contacted [ inquiry sources name ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into Inquiry details XXXX/XXXX   Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines Universal Cr Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL 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 2019-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
tRIED TO REFINANCE WITH CASH OUT WITH NAVY FEDERAL CREDIT UNION HAD TO JOIN TO APPPLY ( NO PROBLEM ) WENT THROUGH LOT OF CALLING ECT. FINALLY NAVY FEDERAL WANTED XXXX FOR APPRASIL FEE SO I GAVE THEM MY CREDIT CARD I BELIEVE IT WAS THE NEXT DAY CALLED AND TOLD THEM TO CANCELL I DECIDED I DIDNT WANT TO PAY THAT MUCH FOR A LOAN I WANTED TO GET OUT OF BEBT NOT INTO MORE DEBT AND TOLD THEM TO CANCELL THE XXXX FOR THE APPRASEL FEE. THEY TOOK IT OUT ANYWAY AND THEY SAID THEY WOULD SEND IT IN FOR A REFUND SENT SEVERAL EMAILS BUT NO ONE AT NAVY FEDERAL WILL RETURN MY EMAIL OR EXPLAIN WHEN ILL GET THE REFUND AS IAM PAYING INTEREST DAILY ON THE XXXX AND WOULD LIKE IT REFUNDED ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29 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: GA

Complaint narrative:
Hello I was advised to contact you about some things on my credit that does not belongs to me. I have contacted the FTC and my local police. Please have XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX. XXXX  XXXX removed from 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 non-monetary relief
Consumer complaint received 2019-03-29 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: GA

Complaint narrative:
Hello I was advised to contact you about some things on my credit that does not belongs to me. I have contacted the FTC and my local police. Please have XXXX XXXX, XXXX, XXXX/XXXX. XXXX, XXXX XXXX. XXXX XXXX removed from 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 2019-03-29 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:
Hello I was advised to contact you about some things on my credit that does not belongs to me. I have contacted the FTC and my local police. Please have XXXX XXXX, XXXX, XXXX/XXXX. XXXX/XXXX, XXXX XXXX. XXXX XXXX removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Between XXXX XXXX and XXXX XXXX there were three attempts to withdraw funds from my checking account with Bank of America. Two, were successful resulting in XXXX dollars being taken out of my account. The third attempt was at a bank of america ATM where apparently it was denied because they incorrectly put in the pin. Based on their " investigation '' they determined that I was was the one responsible for these purchases. When talking to the last representative about the about the attempts on my account and their decision they had no knowledge about last attempt at their own ATM. If they had done a proper investigation based on the initial report I made where I pointed out all three transaction as not being mine, they would have been able to go back and look at their own cameras and see I was not the one withdrawing funds. Instead, they came to that decision and I would later be told that my claim would be sent be for reconsideration after I again pointed out that their decisions was made without even looking at their own cameras. I was told the process would take up to 45 and Ive been patiently waiting for a response. However Bank of America has taken it up in themselves to, without any approval from me, start removing funds from another account I had with them. I feel this is totally unacceptable, and a total invasion of privacy and trust. I want bank of america to do a proper investigation and promptly return all funds.

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 2019-03-29 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: AZ

Complaint narrative:
I am a victim of identity theft. I never applied for the following credit card : XXXX XXXX : XXXX. The account is fraudulent, unauthorized, not mine and dont belong to 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 explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
When trying to pay my rent online, I discovered that both my Debit and Credit cards have been blocked by HSBC bank, with no explanation, despite my account having adequate funds available. I spent all day calling the HSBC fraud department, but they just keep putting me on hold, until finally they went home for the day. If I do not get my card unblocked and pay my rent by tomorrow, I will be fined late fees, for which I think HSBC should be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: MD

Complaint narrative:
Account Named XXXX XXXX {$2400.00} was disputed to Transunion and subsequently removed by Transunion between XX/XX/XXXX and XX/XX/XXXX, Then without notifying me Transunion placed the account back on my credit report between XX/XX/XXXX and XX/XX/XXXX This in violation of FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Also the account seems to have been re-aged in Violation of FCRA Section 605 ( C ) Last neither the collection agency or Transunion have not validated the debt with and original signed & dated contract which would validate the debt. This in Violation of FDCPA Section 809 ( B ) FTC Opinion Letter CASS from 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 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
XXXX XXXX XXXX was offering XXXX bonus points after spending {$3000.00} on American Expresses website. But when I called to activate my card and confirm the promotion they refuse to honor it. They offered to give me XXXX if I spent {$2000.00} but thats not what was advertised. I spoke with XXXX after I got off the phone with American Express and they told me their website states XXXX for {$2000.00} and that what I was offered was incorrect. Im not sure if its a typo or what but its false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
This is regarding a new loan which closed on XX/XX/XXXX. 
The mortgage company, Shellpoint, has incorrectly set up the amounts in their system and continue to tell us we are past due, even though we have made every payment in full and early. 
The first payment of {$7600.00} was due on XX/XX/XXXX ( paid and cleared our account on XX/XX/XXXX ). Payments as per the legal closing documents are {$7500.00} interest plus {$120.00} escrow. Shellpoint has documents online showing the payment is to be that amount. 
Shellpoint set up the mortgage payment incorrectly in their system, although they told me on XX/XX/XXXX that it would be corrected within 2 weeks it is still not correct. 
I contacted them numerous times via phone and email and have spent HOURS trying to get them to correct their system. 
We have paid our payments EARLY each month : XXXX cleared our account XX/XX/XXXX for the XX/XX/XXXX payment XXXX cleared our account XX/XX/XXXX for the XX/XX/XXXX payment XXXX cleared our account XX/XX/XXXX for the XX/XX/XXXX payment XXXX cleared our account on XX/XX/XXXX for the XX/XX/XXXX payment We received a letter in the mail this week dated XX/XX/XXXX stating that we were past due on the XX/XX/XXXX payment by {$1000.00}. We received a letter via email dated XX/XX/XXXX stating that we owed an additional {$660.00} for theXX/XX/XXXX payment ( which was paid in full ). 

I have contacted them on the phone : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: Perfection Collection
State: MD

Complaint narrative:
Account Named Perfection Collection {$2400.00} was disputed to XXXX and subsequently removed by XXXX between XX/XX/XXXX and XX/XX/XXXX, Then without notifying me XXXX placed the account back on my credit report between XX/XX/XXXX and XX/XX/XXXX This in violation of FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Also the account seems to have been re-aged in Violation of FCRA Section 605 ( C ) Last neither the collection agency or XXXX have not validated the debt with and original signed & dated contract which would validate the debt. This in Violation of FDCPA Section 809 ( B ) FTC Opinion Letter XXXX  from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: GA

Complaint narrative:
I was advised to contact this agency about items on my credit that are not mine. XXXX, XXXX AND XXXX. I have contacted the FTC and my local police. There are also inquiries on my report that e.re not mines.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. I am doing this on my own behalf.

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 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I have a collections for {$1100.00} from a collection agency that never sent the collection notice. The original creditor is XXXX XXXX. I have no idea how they arrived at the amount. They can not prove they sent an invoice or collection letter for me to respond to. I believe this is a violation of the FCRA.

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 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery associates attempted to collect a debt that was allegedly transferred from XXXX XXXX XXXX. 

I filed for Arbitration with XXXX XXXX as permitted in the contract. 

Portfolio Recovery failed to pay the fees to initiate Arbitration. 

This is a severe violation of my rights. Including FDCPA, FCRA, and breach of contract. 

They continue to report this account to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: GA

Complaint narrative:
I was advised to contact this agency about items on my credit that are not mine. XXXX, XXXX AND XXXX. I have contacted the FTC and my local police. There are also inquiries on my report that e.re not mines.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. I am doing this on my own behalf.

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