vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 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: MD

Complaint narrative:
I recently received a copy of my XXXX XXXX, Equifax and XXXX   credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX XXXX OH XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: FL

Complaint narrative:
On this date XX/XX/XXXX I contacted the Financial Hardship Dept. of Discover Card, XXXX asking to be enrolled in the Payment Assist. Program because I can no longer afford paying Discover {$97.00} a month, I was denied of the right to have access to the assistance program stating that XXXX does not have such a program and they could only lower the interest to 12.99 % if the account was suspended and I have to disclosed my bank account information and pay them immediately another {$97.00} before the due date of my next monthly bill which is XX/XX/XXXX. Please investigate as I find Discover Card has corrupt business practices and should not deny assistance when a consumer initiates the first step in good will to stay in good standing. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America is charging me 24 percent interest on my credit card. I have called them twice to get this interest reduced. I pay {$400.00} per month on the card, the interest is {$240.00} a month, and i only make {$100.00} a month in purchases. Bank of America refuses to increase my creidit limit, saying that I have been pushed up against it - - but the truth is that Bank of America has pushed me up against the credit limit. THere is no reason that this company should be charging me an exorbitant interest rate that I could obtain from any predatory payday lender down the street in the strip mall that advertises on tv at XXXX in the morning. This interest rate needs to be reduced by more than half. I had good credit for years and years - I recently experienced a bout of unemployment after 30 years of an outstanding credit rating, and Bank of America is making it difficult for me to address this credit card.

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 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am repeatedly being telephoned by XXXX XXXX with threats of action to collect a vague debt. They often threaten legal action or other steps to resolve the matter. I have never had any type of business with XXXX and have stopped doing business with companies that use them. Despite repeated attempts to get them to stop, they continue to call me multiple times a day. I understand that this is common behavior for this company. This abusive behavior needs to be stopped. Their tactics likely scare people into paying debts that arent theirs. I hate to think of the damage they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: Midwest Recovery Systems
State: NY

Complaint narrative:
I pulled my credit report and came to found a Collection account Whit the name of mid west recovery I have tried talking to them but not getting response I have send my dispute for the bureau and nothing I have also noticed lots of inquiries on my as recant as yesterday which is not mine Please help me get my credit back on track

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MO

Complaint narrative:
There is a collection that reported this is unknown, no notices etc and I DO NOT OWE this company anything. Requesting removal of this ASAP XXXXXXXX XXXX XXXX for {$710.00} false information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
An action was filed by United States CFPB against Regions Bank regarding overdraft protection - some accounts were charged overdraft charges when they had not signed up for overdraft protection services - the accounts had to be linked to a savings or other account that could be used to cover overdrafts. I did not have such an account, and did not sign up for that service, but was charged overdraft fees anyway- this occurred from XX/XX/XXXXto XX/XX/XXXX. in fact it only stopped when I learned of the action while online- I was never contacted regarding the action and did not choose whether or not to participate in the action. I have contacted customer service at the bank 4 separate times ; each time I was shuffled to other departments or referred back to my branch, who was unaware of the action, or was otherwise not taken care of. I was told to email the legal department, which I did twice, and I have not received any response from them. At one point I was told I could receive some of the charges, but then the customer service person refused to refund any of the charges.

I have just spoken to them again, and this time I was asked to fax the documents to the legal department. the customer service rep I spoke to said she would also file a complaint for 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 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Karma, LLC
State: RI

Complaint narrative:
hey, I have a pair of collections that wasn't me. So I was checking my credit scores and saw collections that I know are not mine. I've clicked the collections to get further details and the collections claim to be in the amounts of {$330.00} and {$830.00}. The creditor is " XXXX XXXX XXXX '' and account status lists that it was opened on XX/XX/2017. I am XXXX years of age, I know I don't pay for electricity bills or gas bills yet and believe a family member who may know my info caused this.A family member has the same name as me and most likely knows my social so I am assuming but cant be 100 % correct. I have called XXXX XXXX to ask questions and was told the address linked to the account was not my current address at the time this happened. Due to security reasons over the phone they couldn't provide me with address details but would love to get this solved immediately please. Thank you for your patience and help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: AL

Complaint narrative:
I called XXXX and Equifax, and XXXX, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: AL

Complaint narrative:
I called XXXX  and XXXX, and Experian, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..

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 2018-04-18 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: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I mailed in certified letters for the credits & collection company to  validated debts they claimed I owed. XXXX Dispute Results claimed the debt was verified. Per the Fair Debt Collection Act, a consumer has the right to dispute inaccurate information on their credit report, the company and collection company has 30 days to prove the debt is accurate with proof. XXXX, and XXXX XXXX XXXX has failed to prove proof within 30 days from the date of my certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX my account was overdrawn by XXXX by a payment that was made on XX/XX/XXXX with a date for processingXX/XX/XXXX. The payment is not reoccurring. They decided to take the funds on XX/XX/XXXX leaving me with an overdraft of XXXX. I immediately had someone Quickpay me the {$9.00} that same day at around XXXX. Chase claims one has until XXXX to put ur account in positive or {$5.00} or less in overdraft. At this point my account was only at XXXX before XXXX. This is what chase quoted from the messages I have. The following day they still charged me an insufficient funds fee. They couldnt explain why only that it could not be reversed. This isnt fair because I turned off my coverage feature and take all the necessary steps they suggest and they still Hit me with fees! On top of it all they never sent me an alert saying the account was overdrawn! They cant continue to deceive people with rules they dont follow!

They always seem to change the the listing of the charges on the app. But I have proof the quickpay was done before the business day end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
They keep calling saying PNC BANK regarding XXXX  app approved. Ask to call back XXXX XXXX to verify. I called back and asked them to stop calling and remove me I didb't apply for a loan. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a complaint with Consumer Finance Protection Bureau about XXXX XXXX XXXX. XXXX XXXX XXXX promised to change to current never late. TRANSUNION never changed it to current never late. XXXX XXXX XXXX  promised to change to current never late with my complaint with Consumer Finance Protection Bureau. This needs to be changed b on my TRANSUNION Credit Report today TO CURRENT NEVER LATE.

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 2018-04-18 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: CA

Complaint narrative:
On XX/XX/XXXX I added a new bank account for payments to my online account so that i can continue to make my on line payments just using my new checking account. I also schedule a payment to be made from this new account. I received a conformation email stating that the new account had been added to my capitol one account successfully. An hour later i received a conformation email stating my payment had been scheduled successfully. The next y XX/XX/XXXX, after going through my bank account and realizing the payment had not cleared my NEW bank account, it was brought to my attention Capitol one withdrew the funds from my old bank account that did NOT have the money in it to cover the payment. So now not only is my old account short the payment amount, but it was also hit with an NSF. I called capital one who for the longest time couldn't even tell me that i added a new account. When they finally could see that, they were not willing to help me in any way stating that I choose to make the payment from my old account with no money in it. Im in the process of closing out that account, I did NOT authorize payment from my old account. I need this account fixed. The customer service for XXXX was so disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
My ex husband filed for Chapter XXXX bankruptcy in XX/XX/XXXX, it was XXXX in XX/XX/XXXX. Since then my mortgage company hasn't been reporting on my credit report ( I did not file Chapter XXXX bankruptcy ). This has prevented me from obtaining loans and credit cards due to insufficient credit history. 
When I called Select Portfolio Servicing on XX/XX/XXXX, I was advised that they had every right to prevent reporting on my credit because the debt it joint and that I would need to put my request in writing along with detailing that I didn't file bankruptcy because they still have the account in bankruptcy status on their system. 
I did research and found that not only are they wrong, but they have done significant damage by not adhering to the Fair Credit Reporting Act and the Consumer Credit Protection Act, which states credit it individual and my ex-spouse 's bankruptcy should have never effected reporting on my credit reports. 
I deeply concerned that this is their policy and not only have they caused me harm, but could be causing harm to other spouses that were not included in bankruptcy filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act 1970 against { XXXX/CARE CREDIT }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act 1968 because its a consumer.

XXXX XXXX XXXX  said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.

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 2018-04-18 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: NY

Complaint narrative:
Wednesday XX/XX/XXXX I contact Trans union in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that Trans union tries to fix but failed miserably. Trans union has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting. 

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/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 2018-04-18 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: NCC Business Services, Inc.
State: IL

Complaint narrative:
NCC BUSINESS SERVICE # : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Im filing this complaint because this company is not treating me fairly. My name was attached to this account despite me not having any responsibility for it. They can not provide any written documentation that evidences my signature or bearing to this account. This account belongs to XXXX other people and I do not know why they will not release my name from it. 
My credit score is destroyed as a result of this account being on my credit. That is despite the fact that the account has also been paid and is a closed matter. I have a sick mother who is living in an apartment where the lease is not going to be renewed. I am trying to purchase a single story home that has no stairs and that is in very close proximity to her doctors office which she has to visit one to two times every week. This is a very difficult issue for us and Im trying everything in my power to help make her life easier. 
I would like for them to put in a request for them to remove this account from my personal credit reports.

Company response to consumer: Closed with explanation