vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are reporting my score harmfully low. It is important to recognize that my credit score is violating my rights to obtain a loan including approval on a dwelling for my family, and preventing me from establishing any type of credit at all. I have worked tirelessly to improve my credit report and my score has decended dramatically with less negative items being reported! I am disputing the score on my three reports, with this reported score I can not be approved by a landlord, utility or insurance including a job! Inhave XXXX  children and a wife. This credit report and score is hauling me from establishing credit and my ability to create a safe environment formmy family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX  and Experian are reporting my score harmfully low. It is important to recognize that my credit score is violating my rights to obtain a loan including approval on a dwelling for my family, and preventing me from establishing any type of credit at all. I have worked tirelessly to improve my credit report and my score has decended dramatically with less negative items being reported! I am disputing the score on my three reports, with this reported score I can not be approved by a landlord, utility or insurance including a job! Inhave XXXX  children and a wife. This credit report and score is hauling me from establishing credit and my ability to create a safe environment formmy family.

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 2018-04-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is the credit reporting system that is the problem. Good people that live well within their means and do not buy trinkets or spend money they do not have while paying more in the long run with interest, are treated worse than the people that do spend beyond their limits and live beyond their means. 

A person that accumulates debt is treated better than a responsible person that does not buy items they do not need. If you do not have credit and are looking to get a new vehicle, you pay over 5 times more in interest and have to put down a lot larger payment. People are forced to buy worthless trinkets or pay more than what an item costs ( interst rates ), ONLY to build a credit history. 

We are pushed to consume junk so someone else can make money off of the interest. We reward people for spending money on items they do not need and punish those that save or are conservative. We are building a materialistic society. It makes no sense. I attempted to get a new vehicle yesterday with $ XXXX down that I saved up. Because I have no credit history, they want $ XXXX down and 10.5 % APR. A few people I know pay less than 2-3 % APR and no one I have ever heard of pays $ XXXX down on a $ XXXX USED vehicle. 

People need to be measured by their Debt to Income ratio. If someone lives beyond their means and does not have enough expendable income, they should not be treated better than someone with plenty of expendable income. Only bad credit history should be a factor than no history & attempting to establish a loan for a vehicle that is a means to get to work and to the grocery store, necessities. This needs to change ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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 am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting.

XXXX XXXX XXXX Fraud Account XXXX XXXX XXXX this is not my account I never had a account with this company.

XXXX XXXX XXXX I have no knowledge of this account XXXX XXXX XXXX this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent.

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as XXXX XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment

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 2018-04-23 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:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I got a mail invitation from " HSBC Bank USA, NA '' to apply for a credit card and when I applied online, I got rejected due to : Excessive obligations in relation to income The problem is : I have no obligations ; none whatsoever. No mortgage, no auto loan, no outstanding credit card balances, nothing. 

When called, they told me to contact XXXX. There is no problem with my XXXX  credit report, either. I have verified it. 

I believe the problem is due to HSBC Bank 's software systems - when applying online, their web site asked me questions which made no sense ( because none were relevant or applicable to me ). But they refuse to acknowledge their problems, but instead are denying me a credit card illegally and for non-existing reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This letter is your formal notice to cease your 2 unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made on : XX/XX/XXXX- XX/XX/XXXX Made with : XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my email address listed so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I sent a letter on XX/XX/2018 requesting that valadation of said account to be proven in order to collect a debt. The company response didnt not include proof of Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: MO

Complaint narrative:
Even perfect, true, correct reporting REQUIRES PHYSICALLY VERIFIABLE PROOF of ABSOLUTELY CERTIFIED COMPLIANT REPORTING. Transunion is reporting, without adequate legal standing or in full accordance with the credit regulation compliance standard and laws. 

Per FCRA laws and CDIA enacted XXXX XXXX formatted reporting all allegations of data must be CERTIFIED as testimonial in full and refutable truth, accuracy, completeness, timeliness, ownership responsibility and elsewise undoubted compliance.

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 2018-04-24 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
This letter is your formal notice to cease your two unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Onemain Made on : XX/XX/XXXX - XX/XX/XXXX Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my email address listed so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selene Finance LP
State: CT

Complaint narrative:
I made three biweekly mortgage payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Selene Finance in XXXX. The last loan payment on XX/XX/XXXX was deducted from my bank account, but it was not deducted from the principal balance like it should have been. They will not resolve or even reply to the matter after 23 days now. 

I have attached screenshots of the current Selene Finance payment history and the payments made from my bank statement. The Principal Balance displays a {$220000.00} amount on XX/XX/XXXX. The payment reversal on XX/XX/XXXX is the problem because the funds were in fact deducted from my bank account and never returned. 

That payment reduces the principal because its the third payment of the month and Selene should never have had a " Payment Reversal ''. Therefore, the current amount in Suspense should be half the mortgage payment and the Principal Balance {$220000.00} as ofXX/XX/XXXX.

On a side note to eliminate any confusion. Due to the lack of information Selene Finance provided me, I made a manual payment onXX/XX/XXXX. Unknowingly, two payments were then deducted from my bank account. One deduction was turned back for insufficient funds, but the other payment was accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a credit card with Citi. It was sent to collections in XXXX. I was XXXX XXXX as a XXXX XXXX of a XXXX XXXX in my local area and going through financial difficulty at that time. Since XX/XX/XXXX the account has been resolved and paid done to a {$0.00} balance.

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 2018-04-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the Chase Sapphire Preferred credit card on XX/XX/2018. Prior to applying for the Chase Sapphire Preferred credit card, I thoroughly read through the terms and conditions of the offer within my JP Morgan Chase portal. I also received many email communications with a personalized offer. I have attached the email I received as well as my view of the application portal to this secure message for your reference. Based on the email communication and the offer in my JP Morgan Chase online portal, I applied for the Chase Sapphire Preferred card with the understanding that the offer included XXXX bonus points and {$0.00} intro annual fee for the first year, after that {$95.00}. My decision to apply for the card was heavily based on these factors. All the information presented to me through personalized emails and at the time of application included the XXXX bonus points and {$0.00} introductory annual fee for the first year. Additionally, I called JP Morgan Chase customer service prior to submitting my application to confirm the conditions of my offer, and I was assured that I qualified for the XXXX bonus points and {$0.00} intro annual fee offer. 

I was surprised to see a charge of {$95.00} for the annual membership fee posted to my account on XX/XX/2018. Assuming that the charge was a mistake, I contacted JP Morgan Chase on two occasions via their customer service phone line and on two additional occasions via the JP Morgan Chase secure message center. The representative communicated to me that the offer I applied for did not include the annual fee waiver this contradicts the credit card offer presented to me as per the attached files. As a consumer, I made a decision to apply for the Chase Sapphire Preferred credit card based on the information provided to me by JP Morgan Chase. All of the credit card offers and materials distributed to me by JP Morgan Chase were incredibly misleading to a consumer. Had all of the relevant information been presented to me in a clear and concise manner, I would have a different decision as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 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 am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting. 

XXXX XXXXXXXX XXXX Fraud Account oniapim XXXX XXXX this is not my account I never had a account with this company. 

XXXX & XXXX I have no knowledge of this account XXXX XXXX Bank this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent. 

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as Fraud XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment

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 2018-04-24 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 am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting. 

XXXX  XXXX XXXX Fraud Account oniapim XXXX XXXX this is not my account I never had a account with this company. 

XXXX & XXXX I have no knowledge of this account XXXX XXXXXXXX XXXX this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent. 

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as Fraud XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had a account with American Express Business that went to collections. I was a XXXX XXXX of a XXXX XXXX in my local area when the account went to collections in XXXX. Since the summer of XXXX the account was settled and resolved with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/17 Bank of America debt collectors phone number XXXX contacted my mothers home and provided information in regards to my debt to my mother. She is not a co-signer. The only information they asked for her to verify was my date of birth. No other verification were asked. 

They continued to give private information to my family member. When I called the debt collectors to inform them that they did not verify the correct person and informed then that their verification process is not strong enough they hung up the phone on me ( supervisor XXXX XXXX ) not 100 % sure of last name. I called again spoke with Manager XXXX XXXX and he assured me that XXXX will never hang up the phone. Which she did. He indicated that they can not protect information if someone impersonates me. I informed him if the verification process was stronger their would be no room for impersonation. He was extremely sarcastic when I asked why didnt you verify address or social and he responsed with a snarkly comment your mother does not know your address?

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 2018-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2018, I deposited a money order in the amount of {$1000.00} into my savings account. After checking the balance, I realized the transaction did not show at all. Immediately I contacted the customer service department and I was told a temporary credit for the amount of my deposit will be effective until the issue is resolved. 
The next day I received a phone call from the branch where I made my deposit ( XXXX, New Jersey ). I called back and spoke to a representative who told me my money order was 'found ' on the floor by a customer. They made the necessary research and contacted me to let me know what happened. I advised them that I already reported the issue and a credit was processed to my account. I also confirmed with the representative who claimed they will proceed to contact the department handling my concern, that the money order was verified with them, in order to justify the credit processed on my account. At that point I thought everything was resolved. 
Today, I received a letter dated XX/XX/2018, that states the investigation is completed but they are unable to honor my request? I immediately called the number stated in the letter, where I was transferred to XXXX ( supervisor-team XXXX ). This lady just confirmed the lack of customer service skills and the overdose of attitude that she was unwilling to help me with this issue that was out of my control. 
I need a solution asap.

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