vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-19 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: SC

Complaint narrative:
Ask for unauthorized inquiries on my report to be removed. The companies response was they were able to validate and show that theres items listed were in fact authorized by me. I want the company EXPERIAN to remove these harmful inquires from my credit report in compliance with the fair credit report act. Im am new to credit but i understand the rules and laws, im in the process of putting a freeze on my profile to prevent this from happening again.

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 2018-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2016 my home flooded from a rain storm. I reported it to my home owners insurance and could get help because it was not covered. I contacted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ca. and ask them for some assistance and was not given any until I contacted several federal agencies. Then they offers me a program that allows your mortgage to be dismissed for a few months, but I still had know where to live of fix my water damage. Finally they offer me a deed in lieu which I had no choice, then I ask them will it hurt my credit score and they said it will possibly show own my credit report, but they all so said the payment would stop once the process began. But they did not stand behind their word and put a late payment own my credit report that has keep me from getting another loan from any mortgage company and buying thing to help me in my life. I am a XXXX veteran and have seriously medical issues.

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 2018-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Well back in XX/XX/2015 I was working a full time job at a XXXX XXXX XXXX. I wanted to make extra money on the side so I did a job/project with someone that needed help so after I did the job/project he compensated me very well. So I went go deposit the check and it turns out it bounce. So I went to go talk to him but he was leaving and I didnt get to talk to him again. By this I was reported to suspected fraud activity. I recently found out after I try to apply again at a bank. I just want to clean all of this and I didnt know it was a bad check. I was XXXX at the time and it was a honest mistake by me and my knowledge towards banking was very minimal. I just want to get this off my record because I have a kid and I just want to start my life right. Thank you for your time

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 2018-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I went to get a used van and was sold a bad vehicle to begin. The car has been in and out of the shop causing me ridiculous fees since the first month of obtaining it from the shady dealer. The interest rate of almost 10 % was way to high for my credit class and the dealer took advantage of me and committed deception and fraud while selling me the vehicle. In 3 years I've paid enough payments to cover the car but it has all went to interest and not the princial. Then as I spend money fixing it they repoed the bad car I was sold. I redeem it but as a single mother of XXXX kids this is not fair to penalize me on my credit after taking all my momey.

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 2018-05-19 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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 
Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX , XXXX. 
Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany:XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit reports : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$800.00} Company : Untitled { MEDICALUnpaid, Unpaid, Collection Account } Account # :  XXXX Date Open:XX/XX/XXXX Balance : {$540.00} Company : XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$100.00} Company : XXXX, XXXX. 
Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1800.00} Company : XXXX   XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$520.00} Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00}

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 2018-05-19 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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 
Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX , XXXX. 
Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany:XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit reports : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$800.00} Company : Untitled { MEDICALUnpaid, Unpaid, Collection Account } Account # :  XXXX Date Open:XX/XX/XXXX Balance : {$540.00} Company : XXXX XXXX  XXXX / XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$100.00} Company : XXXX, XXXX. 
Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1800.00} Company : XXXX   XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$520.00} Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX/XXXX  Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened an account with Fifth third bank, XXXX XXXX, XXXX in XX/XX/2010. When I opened the account, I was told by fifth third bank that this is a free account and I don't have to pay any monthly or annual fee. Things were working great for almost four years. After four years, I moved to small town in XXXX, Where they don't have fifth third bank. Therefore, I had to open an account in different bank. I was trying to close my account and take all my money out, before I move out from XXXX XXXX, XXXX. I called their customer service and they convinced me to keep open the account. It's safe to have two bank accounts. They also confirmed me that there won't be any monthly or annual fee, Since I have been their customer for 4 years. I kept open the account. Last week, I received a call from fifth third bank and they told me I have negative balance on my account. I told them, when I left XXXX XXXX, XXXX, I had approximately {$3000.00} on my account. How could it be negative? They told me, I was being charge their monthly service fee of {$11.00} every months. Two days later, I called their customer service and they hung up my phone three times. Third time, I was able to talk to their supervisor and he said he can only see my account history for last 12 months and there is nothing he can't do refund money. I asked him whether I could talk to their upper management and get this issue resolved. He said he's not going to brought up this issue to upper management. Then he hung up. I'm extremely shocked and disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX there was a fraudulent charge of {$9200.00} on my XXXX credit card with Bank of America. I immediately contacted the bank to report the fraud on XX/XX/XXXX. On XX/XX/XXXX, contacted local police, filed a report with the Federal Trade Commission and put a fraud alert out for XXXX, XXXX, and XXXX. On XX/XX/XXXX, I received a letter from Bank of America stating that my claim was resolved and that the fraudulent charge would be credited, and the charge was credited. On XX/XX/XXXX, I was charged {$9200.00} by Bank of America, reversing the credit. There was no communication from Bank of America about the reversal of the credit. I called the bank 's claims department on XX/XX/XXXX, but the bank employee was unable to tell me why the credit was reversed and was unable to undo the reversal. He stated that I will need to contact the claims department. 

I am being led around by Bank of America for a fraudulent charge that should have been taken cared of on the day it happened.

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 monetary relief
Consumer complaint received 2018-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I was one day away from closing, XX/XX/2018 and SunTrust mortgage declined my loan. There was an issue regarding my taxes, which they had in their possession for weeks, which I immediately amended. However, they will not accept the amended copies. The other concern that is prohibiting me from securing the mortgage is that they are accusing me of purchasing the property for my child to live in which is not the case. I will be living in the property as my primary residence. I have explained my intentions verbally twice and in writing twice and they are still making the accusations. I may loose this property and feel they are discriminating against me by making these inaccurate accusations. I am also concerned as to why they are bringing my adult children into the situation.

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 2018-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018 I noticed while I was online with my Credit Unions website that a Levy had been placed on my accounts. 
These accounts are with the XXXX XXXX XXXX XXXX XXXX. 
I receive a direct deposit of XXXX XXXX XXXX Insurance payments every month into my main checking account. 
The Levy has been placed on my savings, and my Daughter 's  savings account where I place her child support money into. 
I contacted a person named XXXX in the Collections Dept to ask about this. She did not want to listen that this money is exempt from Garnishments and that they are leaving me NO money to live on and are affecting my child support money. 
I found out from XXXX that the Levy is from Capital One Credit and is for over {$3000.00}. The amounts they have frozen in my accounts are {$230.00} in my savings, & {$500.00} in my Daughters account so far. 
I need this money to live on & pay my bills & support. I get paid once a month on the XXXX and can't be broke for the rest of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo secure card {$1200.00} charge off

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 2018-05-19 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: SC

Complaint narrative:
This company gave false information on their website on how they determine credit approval. It clearly states that they do not perform a credit check, but obtain banking information, and the ability to pay back, and that a social is not needed to apply, with that being said i applied, was denied, and that obtain my credit report which lowered my score, i submitted a dispute to Experian already, but would like the company to remove the HARD INQUIRY since they are the ones who accessed my credit report without my consent. Below is a email between me an a representative of the company : Hi XXXX, Thank you for your message. In the process of completing your application you gave consent for your credit to be pulled by us to complete the evaluation of your application. Because of this we are not able to remove the hard inquiry on your credit report. 

If you wish to dispute the inquiry you can make the request directly with Experian. 

Best, XXXX Team -- XXXX XXXX from XXXX XXXX 
Powered by XXXX  On Tue, XX/XX/2018 at XXXX XXXX, " XXXX XXXX '' XXXX wrote XXXX Please remove the hard inquiry Sent from my XXXX On XX/XX/2018, at XXXX XXXX, XXXX Application Processing XXXX wrote : https XXXX XXXX XXXX XXXX, Thank you for your recent application for credit . We regret that we're unable to approve your application at this time. Your request was given careful consideration and based on the information provided, you were declined for the following reason ( s ) : Did not demonstrate a sufficient ability to pay Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information.

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 2018-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MIDCOUNTRY FINANCIAL CORP
State: TX

Complaint narrative:
XXXX XXXX has bought multiple minuscule debts of mine to get me to pay more money. One of the debts was originally owned by XXXX XXXX. I was summoned to court over a month ago. I tried to work a payment plan out with the lawyer there but she couldnt get in touch with anyone at the office. I was told I would be notified by email or a phone call within the next 30 days and specifically told them to leave a voicemail if I did not answer. No call at all in over a month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My wife and I filed for chapter XXXX bankruptcy inXX/XX/XXXX. Included in the bankruptcy was our house. At that same time we also listed the house as a short sale. We brought multiple offers of various price points to the bank however none were accepted. The house was left vacant as of XX/XX/XXXX. We were discharged from the bankruptcy in XX/XX/XXXX. We received a letter in the mail that Wells Fargo obtained an insurance policy on the house. While the house was under the care of Wells Fargo 's insurance policy there was an incident at the residence and Wells Fargo filed a claim, collected insurance money, and fixed the damages on their own, all done with our names still unknowingly on the deed. Wells Fargo continued to keep the deed in our names until XX/XX/XXXX, even though it was included in the bankruptcy back in XXXX. During these past few years, my wife and I have completely rebuilt our financial lives. Our credit scores have rebounded into the 700 's. We have been able to finance cars, secure a rental lease, and open credit accounts, all of which have been handled responsibly. We were informed that we would need to wait two years after our bankruptcy discharge in order to obtain another mortgage. We had put in our time, saved up our down payment, and were pre-qualified for a mortgage. It wasn't until underwriting came that we discovered a XXXX on the account. We were baffled that Wells Fargo waited two years to transfer the deed to the house out of our names. We are devastated by this news. Just as we thought we were fully over the nightmare it seems like it is coming back to haunt us. We should not be held accountable for Wells Fargo dragging their feet. The deed should have been transferred months after the bankruptcy discharge and not years later.

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 2018-05-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is prohibiting me from submitting my disputes online and that is my right to do so. This is illegal. I am demanding to have access to submit my disputes online to remove the fraudulent info on my credit report. The following accounts are fraudulent : 1.XXXX - # XXXX 2. XXXX XXXX XXXX XXXX -- # XXXX 3. XXXX XXXX XXXX  -- - # XXXX 4. XXXX XXXX XXXX -- - # XXXX 5. XXXX XXXX -- - # XXXX  and XXXX 6. XXXX XXXX XXXX -- # XXXX 7. XXXX -- # XXXX 8. XXXX XXXX XXXX - # XXXX and # 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 2018-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/2018 I filed a complaint against XXXX XXXX XXXX. due to not having a contract with the company because a contract I had with XXXX XXXX was charged off XXXX XXXX brought my debt from the company. There is no signed contract between myself and XXXX XXXX XXXX XXXX stated they longer have an account for me because the contract was canceled and charged off on XX/XX/XXXX XXXX XXXX replied to my complaint and sent me someones bills with their name address and social and sent someone else signed contract they did not send a contract with my name on it between them instead they violated my civil rights and also someones privacy and confidentiality

Company response to consumer: Closed with non-monetary relief