vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-15 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 had no idea. My roommate stole my identity. XX/XX/XXXX. I received a letter stating that he did. I went down to the XXXX Police station. Got a police report. Did a affidavit. I wrote to all 3 credit bureaus I am a victim of identity theft. I have Hard inquiries and things in collections and credit cards and auto loans in my name that was not mine and to take it off. Exquifax, XXXX, XXXX. They took 4 years to take off the identity theft. As of today XX/XX/XXXX. My credit report from 2 of the 3 is almost right. XXXX still has a hard inquiry from XXXX XXXX DC XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CO XX/XX/XXXX. These Hard inquiries need to come off this was due to Identity Theft. They did take off other stuff that was in result of this mater. Exquifax did the same they took off all the stuff from this matter. But they did not take off the hard inquiry. XXXX - XXXX XX/XX/XXXX. I had wrote to all 3 Last month to take them off. But they refused. 

As for as XXXX, Its XXXX everything is still on my credit report. I sent everything certified mail. They did receive everything the other credit bureaus got. Never was sent a letter all the Identity theft is still on there. Accounts are. 

XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$17000.00}. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, {$730.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$340.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX {$650.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$94.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$760.00}, XXXX XXXX, XX/XX/XXXX, {$1000.00}. 

Hard inquires XXXX XXXX XXXX, XX/XX/XXXX, Bank Credit Cards, XXXX/XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15 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: FL

Complaint narrative:
I am filing a complaint because XXXX, has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed were in fact accurate. Being that it has gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. '' that I have disputed inaccurate. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ronald H. Reynolds, Inc.
State: PA

Complaint narrative:
Ronald H Reynolds is contacting people in my family about me on several family members seeking to me. In fact you no my address and filed on me already. there seems to be a problem since I have file several complaints on Ronald H Reynolds & Associates Your been paid weekly with no response to certified mail and disputes to the bill that you have yet to reply back within reason.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: FL

Complaint narrative:
I took out a loan with US Bank in XX/XX/XXXX. The loan was for a XXXX XXXX, year XXXX. The loan was in my name only using my credit. My payments were made on time and the loan was even paid off early. In XX/XX/XXXX the loan was paid off and I receive a letter acknowledging that they received the last payment. The first letter stating the loan was paid in full was received by me on XX/XX/XXXX. The letter referenced an enclosed title or lien release, advising me to go to my local licencing agency have the U.S. Bank lien removed. Unfortunately, there was nothing enclosed with the letter. I contacted U.S. Bank to advise of this, receiving a second letter dated XX/XX/XXXX. This letter stated the same the vehicle was currently tagged in a state with ETitle and was released on XX/XX/XXXX. Unfortunately, again since there was not Lien Release provided, when I went to the tag agency in XXXX  there was nothing they could do. They had not received an ETitle from U.S. Bank. Finally on XX/XX/XXXX I received a letter enclosing the Lien Release Statement. Once again I went to the tag agency and once again there was not an ETitle with the state of XXXX. I promptly contacted U.S. Bank again and was once again provided a letter enclosing a Lien Release Statement. This latest letter was dated XX/XX/XXXX. To date I have been unable to obtain a title to my car. I have now relocated to the state of XXXX. Unfortunately, I can not tag my car in XXXX because I do not have a title to my car. I have contacted U.S. Bank again and to date have not had any response from them. The XXXX XXXX Tax Collector 's office has also sent a letter to U.S. Bank, this being on XX/XX/XXXX. I currently have a 30 day temporary tag on my car but I need to have this resolved because the state of XXXX will only provide me with one more temporary tag and after that I will have to garage my car. I can not believe a bank as large as U.S. Bank can withhold someone's title to their car. All I want is for them to do the right thing and provide me a title to my car. Thank you.

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 2018-07-15 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: NY

Complaint narrative:
There is a collection on my account which XXXX took off, but it seems Experian has not removed it. XXXX was supposed to use XXXX XXXX to pay for my school tuition, and never told me they didn't apply it, I paid it the moment it was brought to my attention.

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 2018-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc.
State: NC

Complaint narrative:
I used XXXX XXXX as a credit monitoring service. On XX/XX/XXXX, I surf through the XXXX XXXX website for car rates. Unlike many credit monitoring services such as XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX actually have you check car rate with a possible hard pull. The verbiage was totally misrepresented and wrong on so many levels. However, I was approved for two loans that I was unaware that I had applied for. One was through XXXX ( hard pull inquiry on credit report ) and the other through XXXX ( Soft pull inquiry on credit report ). I was aware that a hard pull would take place, but only if I had applied. I was checking for car rates, which was what I clicked. At that time, there was no apply or apply here or apply now. I was mislead into believing that I was searching for rates which normally would not require a hard pull. I check for car rates all the time but never received a hard pull until XXXX XXXX. To me, this website lured me to a loan that I did not apply for which expires XX/XX/XXXX. The amount that I was checking for was {$26000.00}. I was approved for {$18000.00} at 16 % with RoadLoans.com which would have been acceptable with my credit score. I received an alert from the credit bureau XXXX that an inquiry was placed on the report. It never occurred to me that I was applying for a loan. On the same day, I contacted XXXX spoke with XXXX ( pronounced XXXX ) to cancel the loan requests. I was informed that that the loan requests will not be cancelled until XX/XX/XXXX expiration date no cancellation request required. Additionally, I ordered a copy of the Credit Report. As soon as I received the report, I contacted XXXX to dispute the XXXX ( XXXX XXXX XXXX ) inquiry. A rep suggested that I contact the creditor, so I did contact XXXX and was referred to XXXX   XXXX. I then spoke with XXXX at XXXX XXXX due to being, I feel tricked, he directed me to XXXX   Credit Agency and stated that usually some of these companies are ready to prepare a check after approval. He transferred me to XXXX who stated she would attempt to assist me on trying to help me remove that inquiry and will call me back the next day on the status. There was no call back the next day and I have an inquiry on my report that I did not authorize. I did not fully understand that even if I did not click on an apply button that it is likely that an inquiry would show up on my report. I will never check rates with XXXX XXXX again. I will not recommend and discourage the use of this website to my friends, family and anyone I can thank of. Application ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affiliated Acceptance Corporation
State: TX

Complaint narrative:
Affiliated Acceptance Company has listed a inaccurate debt on my credit report stating that I owe {$10000.00} dollars for a debt that they have never verified. I have asked them to send me verification that I have a contract with them showing my signature and in response I receive a billing statement. I know under the Fair Debt Collection Practice Act a billing statement can not be used to verify debt that the collector actually has to prove that you have a binding contract with them. I also verified that Affiliated Acceptance Company do not have a surety bond in Texas which also make it illegal for them to try and collect on a debt or pursue any debt collection activities. I also have proof that under the Texas Debt Practice Act this company has violated penal code 392.101. Which states '' Texas Fair Debt Collection Practices Act 392.101. BOND REQUIREMENT. 

( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.

( c ) The bond must be in the amount of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
CFPB, Loancare was not licensed to conduct business in my state of Nevada when I submitted a Qualified Written Complaint to the XXXX ( Proof # 2 ) regarding my experience during a phone call. 

Loancare admits to the violation of Regulation Z ( Proof # 1 ). 

At this time I was receiving funds from the Victims of Crime Program as I had suffered from an event that was no fault of my own. I was told to apply for assistance at the XXXX XXXX XXXX fund as my circumstances may have qualified for assistance. A statement from their eligibility supervisor stating that my credit report reflects no mortgage payments being made. ( Proof # 4 ) I have provided information from my bank account showing payments to Loancare showing four separate payments to Loancare which seems to conflict with ( Proof # 3 ) Additionally, I have provided a print out showing that my most recent statement while in foreclosure was XX/XX/XXXX, provided is a print out dated XX/XX/XXXX, showing XX/XX/XXXX statement availability. ( Proof # 6 ) This seems to me to be a continued abuse of Regulation Z requirements, though I am not an attorney. 

Thank you for taking the time to attend to this matter immediately, Included items each titled proof ; Proof # 1 is 1 page Proof # 2 is 3 pages Proof # 3 is 1 page Proof # 4 is 1 page Proof # 5 is 1 page

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 2018-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I used my Citibank credit card to purchase a set of ear buds. 
I have 120 day theft protection on purchases with my credit card. 
Within a month they were stolen from my gym. 
I go to a private gym in my building that has controlled access and only for use by members who live in my building complex. It is not open to the public. 
The battery ran down so I placed them in a cubicle with my cell phone and keys while I finished my workout. 
The cubicles are provided for members to place their personal belongings in and members put their cell phones, pocketbooks, keys, etc. 
The cubicles are in the same room as the equipment. 
The ear buds were missing when I went to retrieve my items. 
I reported the theft, obtained the police report, and submitted a theft protection claim with Citibank for {$130.00} ( the cost of the earbuds. ) Citibank never responded in writing. On the phone they denied the claim since the earbuds were not locked up. I appealed however Citibank refused to honor the benefit.

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 2018-07-15 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: STATE FARM BANK, FSB
State: NY

Complaint narrative:
I am being hit with a hard inquiry on XX/XX/2017 from state farm. I had called the company a while ago and they said they would remove hard inquiry as this was fraud and not authorized me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 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: NY

Complaint narrative:
I am being hit with a hard inquiry on XX/XX/2017 from XXXX XXXX. I had called the company a while ago and they said they would remove hard inquiry as this was fraud and not authorized me.

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 2018-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My name is listed as a guarantor on a XXXX line of credit opened by my ex husband XX/XX/XXXX with Bank of America. I found out about this last XX/XX/XXXX when I received an email about ordering checks, which I did not. Since then I have spoken to over 20 BOA employees, faxed them my divorce decree and visited several banking centers. I have spent hours during the past several months talking with various employees, getting no where. I have been told that if my ex fails to pay on his loan, they are coming after me! My ex and I have been divorced since XX/XX/XXXX, and I have NOTHING to do with his business, yet BOA has somehow included my name on his line of credit for his current business. I never signed any paperwork, nor did BOA verify me, or contact me, but yet they have me listed as a guarantor on my ex 's XXXX credit line. I filed a fraud report XX/XX/XXXX worked with a XXXX, for several months. She told me in XX/XX/XXXX that she removed my name and social from one account number ending in XXXX.But she told me my name is still listed on the account ending in XXXX and she can not help me.When I visited a local BOA banking center, my name is STILL listed on at least 2 accounts involving my ex and his business line. My ex has called several BOA employees and has gotten the same run around.There seems to be several account numbers linked. We believe that BOA pulled up information from 20 years ago when we were married, and never verified current information. We had credit cards for this business 20 years ago in both our names.My ex and myself have asked BOA to remove my name from ALL accounts associated with my ex and his business. My ex wrote a letter to BOA XX/XX/XXXX,  which I signed, requesting to remove my name from any and all accounts associated with him and his business. NO ONE has been able to process this request, and they refuse to put anything in writing. I am asking for help on this matter as no one from BOA seems able or competent to solve this problem. BOA has failed to perform due diligence to verify the accuracy of guarantors for a XXXX credit line and instead has used information that is no longer accurate.

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 2018-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I declare Myself competent. I am not a Corporation or a Public Entity. 
You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXXare agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will beconstrued as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. I do not have any contract for business with your company ( XXXX XXXX XXXX )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I SENT A CERTIFIED TWO CERTIFIED LETTERS TO CHASE FOR A CREDIT CARD DEBT THAT HAS BEEN REPORTING ON ALL THREE THE MAJOR CREDIT BUREAU 'S. THE, IN THE AMOUNT OF {$2200.00}. THE ACCOUNT NUMBER THEY ARE REPORTING SHOWS AS XXXX. 
THE FIRST CERTIFIED LETTER ASKING FOR VERFICATION OF MY SGINATURE WAS SIGNED BY CHASE ON XX/XX/18, THE SECOND CERTIFIED LETTER WAS SIGNED FOR ON XX/XX/18. I RECIEVED NOTHING BACK FROM CHASE EXCEPT FOR STATEMENTS, THERE WAS NO VERFICATION OF MY SIGNATURE. THEY DID NOT PUT A DISPUTE NOTE ON MY ACCOUNT WITHIN THE 30 DAY PERIOD AS WELL. 
ALSO THEY ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. 
PLEASE SEE THE FOLLOWING VIOLATIONS BELOW : VIOLATION OF SECTION 609 OF FCRA, SECTION 623 ( A ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Card is hitting me with 2 hard inquires for XX/XX/2018 and XX/XX/2018. I should only be hit with 1 inquire as both were done on XX/XX/2018. The confusion is it took them 2 days to process the other part. I have spoke to them on the phone back on XX/XX/2018. There customer representative said they would remove one of these hard pulls. I believe it is the one on XX/XX/XXXX. Either way they 100 % guaranteed one will be removed since both were placed on same day of XX/XX/2018. 

Since the company agreed to remove one of the inquiry 's, I just hope they can kindly stick to there word and fix up this confusion. I have been a loyal customer and just want what was promised to me. Thank you

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 2018-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/2018 - I received an email from US Bank that my account was in fact in good standing and the errors with all 3 bureaus have been updated. As of today - XX/XX/XXXX - two bureaus ( XXXX and XXXX ) are both reporting that I have negative past due payments. As stated originally, these past due charges were from Fraud on the account, and they were taken care of and agreed to be fraud. This has been an ongoing issue for over a year now.

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