vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-04 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: GA

Complaint narrative:
I didn't give authorization ( authorized ) to view / pull credit report " Identity Theft Victim '' ( Equifax Data Breach, etc )!!! 

XXXX!!! 
Inquiry details : Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank EQUIFAX!!! 
Inquiry details : XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies Equifax Mortgage Ser Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX  Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase arbitrarily suspended access to ALL my Chase accounts on XX/XX/2018, including my checking account and 4 credit cards, because somebody who has Quickpayed me many times previously tried to Quickpay me money. 

The other account sending the transaction was a Chase account, and there was a 3+ year history of money transfers between my Chase account and theirs. 

When I called the number on the " your account access has been suspended '' screen, they informed me that my account was fine, but they had suspended online access and the accountholder sending me the Quickpay would have to call and verify the Quickpay transaction before they gave me access again. 

Fast forward more than 6 hours of dealing with Chase on the XXXX and XXXX, and the accountholder had not only called and verified the transaction, but also gone into a Chase branch and verified it, and my account was still locked, INCLUDING access to my credit cards. 

On XX/XX/XXXX, I have another 2 hours on the phone, and my account is still locked, with them insisting they can only verify my identity by texting a defunct phone number on my account, and refusing to text the other number already listed on my account. I close the checking account over the phone at this point, because their conditions are ridiculous, their customer service is awful, and I'm pretty irritated at this point and no longer want to bank with them. 

On XX/XX/XXXX, I try to log in to pay my credit cards, and I'm STILL locked out, even after the transaction was verified and I closed my checking account. ANOTHER 2 hours on the phone being transferred to 5 different people, and despite never having done anything wrong, having the transaction verified by the other accountholder both on the phone and in person, and closing the account, I STILL don't have online access to my 4 Chase credit cards, and they refuse to grant this  access unless I go into a physical Chase branch. 

I opened my Chase account in an area with lots of Chase branches, but moved 4 years ago to an area where the closest Chase branch is 200+ miles away. 

So my choices now are close the Chase credit card accounts and ding my credit report with a lot of lost available balance and age of account, or spend literally an entire day trying to travel 200+ miles to fix it, when it's their screw-up, it's been verified on the other end both on phone and in-person, and I've done nothing wrong. 

If that sound like what you want from your bank, I heartily recommend Chase and their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: AL

Complaint narrative:
I sent letters, along with my identification, and a Federal Trade Commission Identity Theft Affidavit to the 3 major XXXX, TransUnion, and XXXX on XX/XX/2018 and XX/XX/2018 asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.

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 2018-09-04 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: AL

Complaint narrative:
I sent letters, along with my identification, and a Federal Trade Commission Identity Theft Affidavit to the 3 major XXXX, XXXX, and Experian on XX/XX/2018 and XX/XX/2018 asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.

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 2018-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
Diversified Consultants is trying to go after me for a debt that is not mine. I feel like I have been tricked into paying an account that is fraudulent. Therefore, I finally filed an Identity Theft affadavit to get this cleared up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a complaint in XXXX of 2017 for multiple items that appeared on my credit report as a result of identity theft. Equifax responded with items that were to be removed as a result of the investigation. XXXX XXXX  was included as an item to be removed however it still appears on my credit report. Below I have copied and pasted the response form Equifax with the results from the original complaint. 

Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. Please be advised XXXX. XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX was deleted for the credit the file in case number XXXX. XXXX   XXXX.has been verified as reported with the following Name, Social Security Number, Date of birth and address. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RMS-Recovery Management Services, Inc.
State: GA

Complaint narrative:
To whom it may concern, On XX/XX/XXXX a company out of XXXX Illinois reported a collection/chargoff notice on my credit report for the amount of {$19000.00}, with a listed account number ending in XXXX. This debt is listed as originating in XXXX, 11 years ago. This is not a valid debt as I have never been responsible for this debt or its repayment. This is an attempt to sabotage my credit in order to intimidate me to pay back a debt that I have never signed for and am not responsible for. Please help me remove this fraudulent attempt to smear my credit. I am happy to answer any questions you may have and I appreciate any assistance you can provide me. 
This collection company is unable to provide any signed documentation that proves I am responsible for this debt as I never signed any type of agreement associated with it. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: IN

Complaint narrative:
On XX/XX/2018 XXXX XXXX card company received my XXXX compensation check from the Veterans Affairs Administration and have yet to send the check back or offer a better solution so that I may receive funds. It has put me in a hardship and i risk losing my home and vehicle as they have not yet sent the check back to Veterans Affairs, I desperately need my money and do not understand why they have not send it back yet. It has put me in a terrible hardship. Can someone please help. The check is a little over {$3200.00}. I have called them once last week and once today which is XX/XX/2018.

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 2018-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX or XXXX, I had initiated a domestic wire transfer from my bank, XXXX XXXX XXXX XXXX to PNC Bank N.A . in the amount of {$54000.00} dollars. I supplied all of the necessary account details for the account at PNC Bank N.A.. Then the next day, I looked at my document, I see that I had provided the account number which was missing one digit, it was missing a zero in the last four numbers of the  account. I proceeded to go back to my bank to initiate the cancellation of the transfer. The XXXX XXXX XXXX XXXX initiated the first recall of wire request on XX/XX/XXXX. No followup response from PNC Bank N.A . so my bank sent another recall request on XX/XX/XXXX. In two weeks ' span of time, I have gone back and forth by phone and to my physical bank in XXXX, Massachusetts to get this sorted out and I am getting to the point of beyond frustration. I had confirmed with the account holder myself and advised that the money has NEVER arrived to her account. Therefore, I have also contacted PNC Help through XXXX which a woman by the name of XXXX is sending my request to resolve this to their Escalation Team. It shouldn't have to get this far already. It is ridiculous with the back and forth phone calls and aggravation of not getting a clear answer on when I was going to get my money back. There is NO reason why PNC Bank N.A . 's Wire Department did not process the recall request as it came to them from my bank TWICE. It is UNACCEPTABLE and makes me angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I paid to terminate my lease in XXXX XXXX apartments in XX/XX/2015. My utilities and rent were prorated and paid for as well. Upon correctly terminating my lease, I had my apartment inspected, prior to leaving, and was able to get my deposit back. I am now being charged {$1900.00} for " damages ''. I have spoken with two different angents at the Ideal Collection service, and both of their claims differ as to why {$1900.00} worth of damages accrued. Also, the property listed my reason for moving out was because I owned a pet. I never had a pet and moved out on my own accord. Adding on, I did not live in this unit for two years and should not be charged for a 2 year carpet replacement. Overall, I do not understand how I am being charged for damages when the property personally paid me my security deposit upon after walking through and verifying that my apartment was in good condition. I have been trying contact the XXXX XXXX XXXX XXXX XXXX ( XXXX  ), the real estate company that XXXX XXXX was under, but have been unsuccessful because XXXX XXXX no longer exists and XXXX has false contact information. Because of the various mistakes, I have already disputed this charge. I have also done my research on this leasing agency and have found reports of falsified claim of charges and wrongfully sending charges to collections with others that have leased with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: FL

Complaint narrative:
I am i victim of Identity theft and have inform these companies and also sent the necessary supporting documents and these inquiries are not being removed. 

I am not looking for credit nor have i applied to XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. on 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 XXXXXXXX XXXX/ XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX/ XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Please remove these inquiries and add the number XXXX as the number to contact before proceeding with any application.

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 2018-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: NH

Complaint narrative:
On or about XX/XX/XXXX, my husband and I applied for a mortgage loan with Movement Mortgage to purchase a house for {$270000.00}. They sent us an application for a {$210000.00} loan, including a lock agreement document, which they had filled out to say that we chose not to lock in the rate. It also indicated that the choice was not binding until we declared an intent to proceed with the loan. When we received the loan estimate document on XX/XX/XXXX I called the broker, XXXX XXXX, and told him that we wished to increase the amount of our down payment, and waive the escrow, in order to lower the monthly payment. I asked for a new written estimate, showing these revisions and new closing costs, which he refused to give us. After discussing this with my husband, he emailed Mr. XXXX the next day, XX/XX/XXXX, and reiterated the request, and asked for the rate to be locked in, at the quoted amount of XXXX. Again, Mr. XXXX insisted that written revisions were not necessary, that he had taken care of everything. On XX/XX/XXXX, six days before our scheduled closing, we received a new loan estimate, which still included the escrow, and a letter of changed circumstances, which indicated an increased rate of 5 %, due to the fact that we had failed to lock in the rate. When we telephoned him, and reminded him that we had made the request, he denied it, and said that he had made numerous attempts to get us to lock in, which was not true. The lock agreement which he included with the revised estimate was the first we had ever seen for the {$190000.00} loan that they had approved for us. He insisted we must sign the incorrect estimate document in order to close on time. We tried to pursue this with other loan officers, XXXX XXXX, and her supervisor, Market Leader XXXX XXXX, to no avail. Even when we presented them with the XX/XX/XXXX email request, they insisted that the lock agreement that was part of the application, even though it was not for the loan we received, was the overriding document. We feel that this was no more than a bait and switch. The email in question explicitly asks for the rate to be locked in, yet they insisted on calling it a request for rate information. 

We have already forwarded copies of the relevant emails to the company, and they are in possession of all loan documents, and choose to interpret them to their own advantage, which is why we have contacted your bureau for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: PR

Complaint narrative:
This is NOT a duplicate complaint. This is a new complaint against the credit reporting agencies. XXXX XXXX corrected my credit report and now is ( 0,0,0 ), but my credit file with XXXX, Xperian and XXXX still appear as delinquent for 30 days. 

The facts are the followings : XXXX gave payment extensions to all clients who needed such relief, after Hurricane Mara hit the island last XXXX. The extensions were for the payments due on XXXX, XXXX and XX/XX/XXXX, and were applied to all accounts in which no payments were made on those specific months. Claimant made the XXXX installment payment, on XX/XX/XXXX ; so he was only entitled to extend payment for the installments due on XXXX and XX/XX/XXXX. Nonetheless, he didn't make the payment for the installment due on XX/XX/XXXX ; until XX/XX/XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF As claimant states that he believed the three installment extension offered by our company covered those due on XXXX, XXXX and XXXX, since he had made the XXXX installment payment before the hurricane hit, we have proceeded to extend his XXXX installment ; thus making his account current and his credit history 0/0/0.

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 2018-09-04 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: WI

Complaint narrative:
Experian refuses to correct bad and incorrect information on my credit report. XXXX XXXX XXXX  have been paid. They remain on my report as open collections. 
XXXX XXXX  is not my responsibility. This is my ex-wife 's responsibility. This was part of our divorce decree. The fact that she is regularly delinquent is not my legal responsibility. I can not recall ever even having to have spoken with XXXX. This detrimental information should not be on my record.

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 2018-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Consumers Inc
State: VA

Complaint narrative:
United Consumers , Inc. at XXXX. XXXX XXXX of XXXX, VA XXXX sent me a medical bill with service dates of XX/XX/XXXX. They are acting on the presumption that some relationship that they may have with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HOSPITAL, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship they have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX   HOSPITAL, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between each of us ; and on XX/XX/XXXX, I sent a certified STATING THAT ALL PRESUMPTIVE AND TACIT CONTRACTS WERE NULL & VOID AND I DO NOT CONSENT. They committed mail fraud attempting to collect this debt for a year in which I have not received any medical care, since it's only the year XX/XX/XXXX and not 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 2018-09-04 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: FL

Complaint narrative:
I am i victim of Identity theft and have inform these companies and also sent the necessary supporting documents and these inquiries are not being removed. 

I am not looking for credit nor have i applied to XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Please remove these inquiries and add the number XXXX as the number to contact before proceeding with any application.

Company response to consumer: Closed with non-monetary relief