vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX : Experian removed a dispute and added it back on without notifying me Law dictations that they notify me 5 days before doing so The unlawful act needs to be removed ITS THE LAW

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 2020-02-09 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: NJ

Complaint narrative:
Follow up to previous complaint XXXX XXXX XXXX XXXX XXXX responded to my complaint that I have listed. Afterwards, i placed a phone call to XXXX XXXX and was told that they no longer have this account and have requested that the credit bureaus delete this item from my credit profile.

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 2020-02-09 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I applied for CapitalOne Spark Business Credit Card I apply using my XXXX XXXX XXXX , then I received an email at XXXX asking me to provide 1 document from each box ( See Attached Document ) which I did I provided my XXXX  and my letter from IRS containing XXXX  ( See Attached Document ) according to the website where i applied it stated that the process would take 7 to 14 business days, but on XX/XX/XXXX a Hard Copy of my Credit Report was pulled. So I waited and waited still no response, so on XX/XX/XXXX I made a call to Capital One at XXXX at the telephone number XXXX and spoke with a XXXX she claimed she could not find my information and I explained to XXXX I had a copy of the email that was sent to me and the copy of the successfully uploaded of my documents, then I asked to speak with a Manager which she did provide a Manager name XXXX  , so I proceed to explain to XXXX  what I was experiencing and he stated there was a glitch in the system and he wanted me to provide my documents again and I stated if there is a glitch in the system you need to speak with your supervisor and let them know XXXX proceed to tell me his office was in Florida and the main office was in the XXXX  and he could not just walk over there. So I decided not to re-submit my documents and wait to see if I would get a response from XXXX or from CapitalOne still no response to date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: NJ

Complaint narrative:
Follow up to previous complaint XXXX XXXX XXXX XXXX XXXX responded to my complaint that I have listed. Afterwards, i placed a phone call to XXXX XXXX and was told that they no longer have this account and have requested that the credit bureaus delete this item from my credit profile.

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 2020-02-09 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: NJ

Complaint narrative:
Follow up to previous complaint XXXX XXXX XXXX XXXX XXXX responded to my complaint that I have listed. Afterwards, i placed a phone call to XXXX XXXX and was told that they no longer have this account and have requested that the credit bureaus delete this item from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
moving a deleted debt to a un-claim violation not requested false claim by Equifax Reported a FTC violation e federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy and ... Inaccurate information like that could affect your ability to get credit, insurance, or even a job. ... nationwide credit reporting companies Equifax reported as disaster which is false information XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
To : XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX   NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX To : Supervisor/Agent or Processing Personnel. 

Greetings, This is a formal request for a copy of my Title Insurance ( Owner 's Policy ) for my Mortgage to my Property. The title company Is XXXX XXXX Located in XXXX, Ohio. I, XXXX XXXX XXXX request a Copy of my Title Insurance ( Owner 's Policy ) To include Schedule A and B. I also request any Loan documents To include Rural Development XXXX and XXXX. This is a Public Notice Request and you have my permission to mail the copy to my address below.. Please comply within 10 days upon receiving this Notice. The Consumer Financial Protection Bureau is my witness to this Mailing and Public Notice request. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio [ XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: CA

Complaint narrative:
On my XXXX, XXXX  and Experian Reports there are to many inquiries that I did not authorize. 

It is very disturbing that these inquiries were made without my written consent or knowledge and I would like them removed immediately please. 

Thank you, XXXX XXXX Please see report pages with the inquiries that I did not authorize or consent to.

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 2020-02-09 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: TN

Complaint narrative:
Unable to resolve any listed credit pulls with companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: CA

Complaint narrative:
On my Transunion, XXXX  and XXXX  Reports there are to many inquiries that I did not authorize. 

It is very disturbing that these inquiries were made without my written consent or knowledge and I would like them removed immediately please. 

Thank you, XXXX XXXX Please see report pages with the inquiries that I did not authorize or consent to.

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 2020-02-09 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: CA

Complaint narrative:
On my XXXX, Equifax and XXXX  Reports there are to many inquiries that I did not authorize. 

It is very disturbing that these inquiries were made without my written consent or knowledge and I would like them removed immediately please. 

Thank you, XXXX XXXX Please see report pages with the inquiries that I did not authorize or consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I had a debt with XXXX XXXX XXXX located in XXXX, South Carolina. I paid the debt directly with the hospital. However, a company called Receivable Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC, XXXX tried to open up an account - illegally and without my knowledge or permission to collect an otherwise paid debt. I receive notice from XXXX of this attempt. My credit had been frozen per my request since last year so that NO one but me can open up a credit account. How were they able to do this? I reached out to XXXX stating this was unauthorized and they will fight this on my behalf. How can a debt collector - not having a debt with me be able to open up an account without my consent? Harassment I understand but this is next level WRONG. What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I used XXXX XXXX to help me move from XXXX  to XXXX. They said it would be {$1500.00} to move my stuff, and will not be anymore. I have a receipt that shows that - That I uploaded and sent to my bank. 
The moving company then switch companies to another moving company, and then I was told once they arrived in GA that I would have to pay another {$1300.00} Cash or they would not release my stuff. It was the most egregious bait and switch extortion I've ever been a part of. 
I explained this in detail and Bank of America said they can't get the cash back obviously, but if there was any transactions via credit card they would get that back. 
I told in detail my situation and a bank manager said as long as I fill out everything and upload the paperwork I have I will def get this claim to approve. I did everything and called the bank a week or two later and they said it was approved. 

Today I got an email saying my claim was denied and that I never uploaded any paperwork. Totally false. I will be getting the {$510.00} back if I have to open a lawsuit so be it..

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 2020-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by FEDERAL and STATE LAW to verify through the physical verification of the original signature/ Autograph of consumers contract ( s ) any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ).

I demand to see the Verifiable Proof of my original Consumer Contract with my Signature ( s ) on the instrument ( s ) and proof that the so called debt remains with original creditor ( s ) you have on file of the account ( s ) listed. Your failure to positively  verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below or lawful action will be taken. 
I demand the following accounts be verified and removed immediately. 

In Addition To This Constructive Acknowledgment Notice I checked my personal credit report which is to remain private and not public, which I acquired from your organization around XX/XX/2020, and I noticed inquiry ( s ) had been made. I contacted the responsible party who conducted the inquiry and asked them to remove their credit inquiry from my Secured Credit Profile. I request that you initiate a solution into taking action and removing it as well In Goodwill And Gesture as pursuant to consumer rights article 7 etc. 
The inquiry ( s ) on my credit report are not to determine who authorized the inquiry but to remove it from my Secured Credit Profile, once your investigation is complete, you'll find my Affidavit to be filled as the secured party creditor simply in pure truth under the provisions of The ( UCC ) Uniform Commercial Code. ( Active Security Agreement ) DEPT OF STATE. 
Remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 10 calendar days of the completion of the requested performance. 

Sincerely In Pure Truth, Without Prejudice _________________________________________________ XXXX XXXX XXXX, Secured Party Creditor, Authorized Representative, Attorney-In-Fact, in behalf of XXXX 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 2020-02-09 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: FactorTrust, Inc.
State: TN

Complaint narrative:
Unable to resolve any listed credit pulls with companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
Unable to resolve any listed credit pulls with companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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 contacted XXXX XXXX at Citibank because I was making my payments of {$300.00} and Citibank got greedy and raised my minimum payment to {$570.00}. I explained my unfortunate set of circumstances and tried to take preventative actions with Citibank asking for Citi to work with me as unfortunately have fallen short and would to modify terms. 

Temporary hardship plans - These plans are typically set for 6 or 12 months. I am requesting CITIBANK to reduce my account to 2 % of my current balance. I am requesting for CITIBANK to address the interest rate and reduce to anywhere from zero to 9 %. I am requesting for CITIBANK to waive fees and penalties and offer me a pre-plan arrangement. I requested for any long term hardship program - provide me with payments amortized over 5 years ( 60 months ) which would be similar to the temporary plans of 2 to 2.5 % of the current balance set as your monthly payment.

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 2020-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been trying for years to get resolution with XXXX XXXX  and XXXX XXXX XXXX, as well as XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Pass Through Certificates XXXX. 

This mortgage was settled and paid XX/XX/2012. It was liquidated, charged off, paid off with Federal Relief Funds and all Investors were notified. 

The mortgage was included in Federal Court Case against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

After I settled my case against XXXX  XXXX XXXX and the Judge ruled in my favor, XXXX  XXXX XXXX washed their hands of my mortgage and liquidated it. Then Select Portfolio Servicing assigned the themselves the servicing rights for a mortgage that has been paid off with Federal Relief Funds.

When I inquire about granting me a Full Reconvyence to SPS, they tell me that the Investor and Owner of the Account is XXXX XXXX XXXX. When I inquire through the Consumer Financial Protection Agency, XXXX XXXX XXXX  replies to my complaint with ; " We are not associated with this account ''. 

Now XXXX XXXX XXXX has written to SPS and hopefully agrees that a quick claim deed or Full Reconvyence will be granted. MIN # XXXX. APN # XXXX. 

I would like to put this behind me and move on with my life. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: Clarity Services
State: TN

Complaint narrative:
Unauthorized credit report accessed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: TN

Complaint narrative:
Unauthorized credit report accessed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: WI

Complaint narrative:
I recently checked my credit and noticed a fraudulent account that I have never applied for nor authorized anyone to apply for under my name. It says XXXX XXXX which I am not familiar with.

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 2020-02-09 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: WI

Complaint narrative:
I recently checked my credit and noticed a fraudulent account that I have never applied for nor authorized anyone to apply for under my name. It says XXXX XXXX which I am not familiar with.

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 2020-02-09 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: WI

Complaint narrative:
I recently checked my credit and noticed a fraudulent account that I have never applied for nor authorized anyone to apply for under my name. It says XXXX XXXX which I am not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA claims Zero Liability Fraud Protection. See attatched XX/XX/18 statement of USAA Fraud Investgations. They are the ( Adjustment Purchases ) shown on statement of USAA Credits to cover Fraud. UNDERNEATH there is a TOTAL LINE of Total Payments & Credits for this period {$450.00}. The Summarry of Account Activity List Other Credits {$700.00}. USAA will not explain. WHERE ARE REST OF CREDITS? USAA calls these ( INTERNAL CREDITS. ) Why is anything HIDDEN from consumers view? Especially Credits they are supposed to recieve from FRAUD? 
TRUTH IN LENDING IS NOT HIDDEN. USAA CLAIMS ZERO LIABILITY They have left me with liability on all these Adjustment Purchases. 
** How do ALL ( ADJUSTMENTS PURCHASES ) BECOME NEW CHARGES ON MY ACCOUNT. They were reported fraud so I HAVE BEEN CHARGED TWO TIMES FOR UNAUTHORIZED CHARGES. USAA IS NOT ZERO LIABILITY FRAUD PROTECTION. USAA CHARGES DOUBLE CHARGES FOR ALL FRAUD IT APPEARS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation