vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 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: Credit Plus Inc
State: TX

Complaint narrative:
I monitor my credit report very carefully as I am in the process of trying to obtain a loan with XXXX XXXX. 
On XX/XX/2019 I received an alert that my credit was pulled. I checked with my lender as the inquiry was from Credit Plus and the alert said a Lender has requested a copy of your credit report.

My current lender assured me this was not their inquiry as they no longer use Credit Plus. I was contacted by my previous Lender on XX/XX/2019 about the same time my credit was pulled. He called to follow up in my house search I made him aware that I had found a lender that worked with me and my house closing is this month. The next morning I checked again with my lender to make sure it wasnt her team that pulled my credit and again she assured me it was not her. 
I tried to contact XXXX XXXX my previous lender to verify if he pulled my credit report but he did not answer. 
I text him and he indicated he did pull my credit report by accident due to him having another customer with the same name. However I find that very hard to believe if you have to give all my personal information name, address, date of birth and social in order to run my report. 
My lender then asked me to contact his manager to make him aware and to have them remove the illegal inquiry. I contacted XXXX XXXX XXXX  come to find out XXXX doesnt work for them anymore he is now at XXXX XXXX. I then contacted his current manager and still no response. I had to call around to get XXXX XXXX current email and managers email. Once I obtained this information I emailed his old manager XXXX XXXX current manager XXXX XXXX and XXXX XXXX on the illegal pulling of my credit report. 
Not only did he illegally pull my credit report but he took my personal information from XXXX XXXX XXXX and used it to pull my credit through XXXX XXXX. 
I received an email from a XXXX XXXX on XX/XX/2019 expressing apologies on the accidental pulling of my credit and they would work on reversing this act. To this day nothing has been done and the inquiry remains on my credit report. I need this matter investigated immediately. 
Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
what ever company cash app is they stated my acct to be closed but when i look in section 4 and 5 it doesnt say how and why? 
RE : Your Account is Closed Inbox x Cash Support XX/XX/2019, XXXX XXXX  to me Hi XXXX, After a recent review of your transfer of funds, we detected the use of Cash App for activity in violation of Cash App 's Terms of Service. As a result, you will no longer be able to use Cash App to send or receive payments. 

We are also exercising our discretion under Sections 4 and 5 of the Cash App Terms of Service in the decision to block or reverse your transfer of funds. For security reasons, unfortunately we can not provide more details regarding our decision. 

Visit the Cash App Terms of Service for more information. 

Thank you, Cash Support In order to receive a response, please do not delete the following line :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I opened a Citizens Bank Platinum checking account under a promotion on XX/XX/XXXX. The account was approved on XX/XX/XXXX. The promotional term is " Get {$400.00} to open a Platinum Checking account with a single direct deposit of {$1000.00} or more within 60 days of account opening ''. I click on the " open account '' link as provided on Citizens Bank website and no promotional code was required per the instructions.

After 2 months of meeting the requirement, I still have not received the promotional offer and have paid {$100.00} in total monthly fee to keep the account active in order to get the promotion. I contacted customer service on XX/XX/XXXX and was told to send a secured email. After 6 email exchanges ( via the Bank 's secured email system ) and faxing of supporting documents and application screenshot, there was still not resolution while another {$25.00} account fee was charge on XX/XX/XXXX. I contacted customer service again on XX/XX/XXXX and after 25 minutes, I was told I need to enter a promotional code to be eligible for the offer. I mentioned to the customer service rep there was no promotional code at the time of account opening on XX/XX/XXXX per the attached screenshot but it was felt on deaf ears. This is simply an attempt by Citizens Bank to trick consumer into applying for an account with high monthly fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a inquiry that I dont recognize at all. 
Under SYNCB. There is no amount. Date that was posted XX/XX/2019. I did not apply or do anything recently.

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 2019-06-21 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: TX

Complaint narrative:
XXXX ; Experian and XXXX  are reporting 90 plus days late on the XXXX/XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please remove this line item 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 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo is getting out of control with fees. I have had debits and checks be pending then they post the next day then go back to pending where I then get hit with fees. I had a check for XXXX that I didn't see that night and I got hit with a fee before it posted to my account that afternoon. That happens more often then not. And my banker can't even explain how that happens. I would like my fees back

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 2019-06-21 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: TX

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting 90 plus days late on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please remove this line item 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 2019-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21 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: OH

Complaint narrative:
I have tried to resolve these issues with the credit reporting companies and i have had no help and this is stopping me from buying a home. Please see accounts below XXXX account number # XXXX for {$580.00} XXXX XXXX Account XXXX # XXXX for {$0.00}, its a charge off thats not mine XXXX account number # XXXX collection that not mine either

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 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I am really complaining about the very poor customer service. I inquired about approval for a land swap between myself and a neighbor - my soon to be neighbor is building a house nearby but does not have a spot that has the proper soil composition for a septic tank. My property does have the proper soil composition so we agreed to swap a small portion of the land in order to facilitate his building the septic tank. 
He completed a survey and wrote a description of the swap, I emailed that information to Mr. Cooper on XX/XX/2019. 
I followed up with a phone call and was told I had submitted what was required. I then followed up on XX/XX/XXXX and was told that I needed to submit the information to a different email address. I did that on XX/XX/XXXX. I followed up numerous times both by phone and email between XX/XX/XXXX and XX/XX/XXXX - I never was able to get an answer from anyone other than it was in process and could take 30 business days. I was told if I emailed the research department directly I would receive an update but never did. I called today to follow up and was told that nothing had been done with my request, and now they required {$250.00} and an appraisal to start another 30 business day review. My frustration is that I get different information every time I call, and no-one that will take the time to really answer any questions or that seems to have any desire to actually help resolve the issue. I have done everything that was asked of me as soon as it was asked, and yet they have never responded to me ( all contact has originated by me ), and I get a different answer every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
contacted equifax that people were trying to apply for credit under my name It was impossible to get this done. 
So far about four credit cards were applied for under my name I haven't applied for any cards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: TN

Complaint narrative:
for the last two weeks I have tries to resolved this issue on my own. There are several inquires on my credit report that I am unaware of. I called Transunion to inquire and to see if u can dispute them, Each rime a different representative told me that they can not help me. So I asked for the fax number, I was told at the time the fax number no longer is operable. the fax number I called is XXXX. 
the inquires are as follow : Creditor Name : - XXXX XXXX- XX/XX/ and XX/XX/ XXXX XXXX XX/XX/

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 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a call from Matrix Card Continental Finance saying that my card payment is past due. I pay my cards every month on time. She said it was the {$12.00} monthly fee and she would only take payment on the {$12.00} fee for XX/XX/XXXX and also for XX/XX/XXXX and a late fee for a total of {$35.00}. This is absurd! When I try to use the card most vendors do not take it. It is extremely embarrassing to give a vendor your card knowing there is NO balance and it being declined. In speaking to the customer service rep she gave me attitude and we had it out. I told her I would pay my bill online. When I went online I was unable to access the account and after speaking to a new customer service rep she too was unable to access or allow me into the system. I am not exactly sure why I keep it open other than to allow my daughter to use it. THIS IS ABSOLUTELY THE WORST CREDIT CARD! After being told I would have to request the account be reinstated and a new account had to be started, that was all a lie. I paid the fee and all they did was reinstate the existing account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: MN

Complaint narrative:
I have had a XXXX mastercard for a considerable length of time longer than a year. I called several months ago to ask why my payments are not being credited to my account promptly with several small and submitted payments not being credited for upto three weeks time. They attempted to point the finger at my bank, XXXX and their bill pay service. I assured them that they were issuing payments and the problem was on their end by not crediting promptly. 


When the customer service person was not able to make any other suggestion, she agreed that she would waive any fee related to dishonored payments if I went to my bank and cancelled the outstanding checks that had been issued though not credited to my MC XXXX XXXX XXXX XXXX at their company. 

Of course all the payments they claimed not to receive were finally credited to my account several days later but then dishonored when presented back at XXXX because stoppage had been arranged at the suggestion of their agent on a recorded line. 

To their credit they did return the returned payment fee as agreed when asked, but then began a campaign of lying on still recorded line about the status of my account. 

I was told a hold on the account had been placed that would be removed just as soon as I paid the balance in full with certified funds. I was told this on multiple occasions despite the fact that they had already closed my account and had reported the closure to the credit bureaus as well. 

I do not believe an institution should be able to lie straight to the face of this consumer or any. 

In addition to closing an account that has had a stellar record of payment, they jacked up the interest rate north of 30 % ( 31.24 % ) and continue to charge a $ XXXX   monthly account maintanence fee despite the fact that the account has been closed by this party and is not being maintained.

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 2019-06-21 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: WI

Complaint narrative:
I sent out dispute of information reporting to bureau, came back VERIFIED, sent request for method of verification as my right in accordance with FRCA, no response was given to my request within reasonable time frame ( 15 ) days to ( 30 ) days. Instead an automatic XXXX XXXX response was sent 3 times stating that it had been verified disregarding my request for what method was used to verify this account. That is clearly in violation of my consumer rights even disregarding a solution or anything to the previous complaint I submitted to XXXX. I am demanding that this account be REMOVED PROMPTLY, as they were in CLEAR violation of my rights according to FCRA 611 ( 6 ) ( b ) ( iii ) I have attached supporting documentation. 
Accounts XXXX # XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Dlr Svc # XXXX is showing inc. in bk but it was not. Need the credit tradeline udpated. it is preventing me from refinancing. I called wells fargo several times and they will not provide a letter stating it was not in a bk or remove it from reporting that way. This account was never in a bk.

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 2019-06-21 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: OH

Complaint narrative:
I have tried to resolve these issues with the credit reporting companies and i have had no help and this is stopping me from buying a home. Please see accounts below XXXX  account number # XXXX for {$580.00} XXXX XXXX Account Number # XXXX for {$0.00}, its a charge off thats not mine XXXX  account number # XXXX collection that not mine either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 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: OH

Complaint narrative:
I have tried to resolve these issues with the credit reporting companies and i have had no help and this is stopping me from buying a home. Please see accounts below XXXX/XXXX account number # XXXX for {$580.00} XXXX XXXX Account Number # XXXX for {$0.00}, its a charge off thats not mine XXXX  account number # XXXX collection that not mine either

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 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I tried to make a payment on time after logging on to Capital One 's web site. An error appeared with instructions to 'try later '. I followed the instructions and made the payment later. Capital One marked the payment late. I complained and Capital One apologized and refunded the late fee. I have demanded Capital One remove their internal or poroprietary record that contains what they claim is a late payment. I have phoned and emailed Capital One multitudes and they keep telling me the fee was refunded. I want written acknowledgement from Capital One that there was no late payment made, and that their faulty web site gave me instructions after an error. Capital One keeps mentioning the Fair Credit Reporting Act and the refund. This has nothing to do with any report to any of my credit files. Capital One refers to a 'late payment ' when I request account adjustments or credit increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Medicredit is a collection office whom reported me to credit, lowering my credit score, holding my plans to sign contract to build my new home. The original account name is not under my name But one of the Medicredit representative wrote I stated that I changed my name and therefore acquiring the debt. I never stated I changed my name. I always had the same name. When I confronted this office about the fraud their representative did, they refused to speak to me. I want them to remove that Fraudulent Debt reported in my credit line.

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