vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 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: WA

Complaint narrative:
While on the XXXX program up to and during the 1st quarter of XX/XX/2015, I was living at a XXXX XXXX XXXX complex. At some point either XXXX XXXX XXXX complex or the collection agency, submitted derogatory credit information to the credit bureaus. The submitted information was incorrect or missing totally. 

The XXXX program subsidized my rent where I paid my portion on time and I was never late. I do remember that there were admitted clerical errors verbally admitted by the complex. On several occasions I tried to correct the derogatory info, but I have not received any information in return. 

This ordeal leaves me in a dilemma of what actions to procure to resolve these issues concerning my credit. 

Please resolve my issues as soon as possible. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
XXXX/SLS : XXXX of Incompetence. My brother died in XX/XX/2017 and I became the executor of his estate. For grieving family/friends that job is exhausting and sad. Most businesses tried to be helpful, concluding transactions as quickly as possible. Not XXXX. I can not even count the hours spent on the phone with them clearing up one incompetent mess after another. My brother 's house sold in XXXX. Our family was owed an escrow overage check. XXXX sent it made payable to my brother. Without my name on it as executor, the bank would not cash it. It took many phone calls to get them to add My Name, Executor underneath my brother 's name. A correct replacement check was sent out on XX/XX/XXXX. On the XX/XX/XXXX I called XXXX to inquire about the check. After being on hold for more than an hour, XXXX informed me that the check had been sent to the property. My brother 's SOLD house. They stopped payment and proceeded to cut another check, the third. Six days later, on XX/XX/XXXX, the check arrived ( in an envelope without a yellow forwarding sticker from the property on it ) and I cashed it. It bounced. My bank charged me fees. It was the check issued on XXXX XXXX. Since it was not forwarded I thought it was the one issued on XX/XX/XXXX. Today is XX/XX/XXXX. I  received the check in the mail today. It is made payable to my brother ONLY. As of now, I have been on the phone for 49 minutes while they TRY to correct this problem 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 2018-11-06 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Account was opened XX/XX/XXXX. At the time my credit was checked and I was approved for the department store card. 

In XX/XX/XXXX, upon closer examination of my statement, I noticed my credit line had decreased. I had received no notification of any issue. My account is in excellent standing. I phoned the provider and they stated they had no idea why my credit line had decreased and they reinstated my original credit line. 

Yesterday, while looking at my account, I noticed, yet again that my credit line had decreased. Again, no notice, no call ; no idea why. Account had a XXXX balance and excellent standing. 

I phoned the account holder today after not getting an explanation from an email the yesterday. According to the " Account Manager '' that I spoke with - XXXX has the right to periodically check my credit score from all three reporting agencies ( XXXX ; XXXX and XXXX ) and apparently are also getting credit updates on a regular basis from all three credit reporting bureaus when ever something changes on my credit report!! I never gave any permission for any company to constantly monitor my credit..and I know this is not legal. She stated that they had sent a letter on the XX/XX/XXXX. I have received nothing. She also stated they mailed letters back in XXXX ( however when I checked in XXXX the Customer Service Rep I spoke with at the time told me she didn't see any letters going out ) when I brought up this had happened before, and I had never received any letter. I asked that the letter be e-mailed to me along with any documents that they state " allow '' them to monitor and get updates on my credit. She stated that she can not e-mail them and that she needs to mail them. She would not give me any reason why this has occured. 

I never gave XXXX ( XXXX XXXX ) permission to " monitor '' my credit reports from the three major credit reporting agencies. 

I have paid off the card in question and have closed the account. I have asked that my banking information be deleted from their system and I have also requested confirmation, which I have not received. 

This is a muli-issue complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: FL

Complaint narrative:
have identified likely malicious and certain unproven complaints reported personal identifying information on my credit file. I am within my federal and state consumer and or civil right to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 section 151 the ambiguously obliges a recount all of the motis operandi used by your agency in the pic here a minute this these alleged it yet unproven true, correct, complete, much less compliance items of personal identifier information that I believe is possibly incorrect, including this was obtained by third-party information trafficker and soul to your firm. I have enclosed copies of my state issued identification and Social Security card to validate my identity. I believe it is false and misleading information that you are reporting is likely directing resulting in or will in the future results and incorrect account mergers on my credit file and that this is injuries to my credit Health and credit wealth. The following reporting derogatory allegations of information or either untrue, incorrect, and complete, and timely, not mine, not my responsibility, or otherwise not proven compliant to regulatory federal reporting laws and or standard and must be eradicated immediately, do so today, even right now! The obvious and fractions are as follows : Please delete this erroneous information immediately! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX Personal Statements ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. XXXX XXXX Inquired on 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 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi In XX/XX/2011 I telephoned Chase Bank to cancel my XXXX XXXX XXXX XXXX credit card which was accepted. As with all my credit cards I have auto pay, to automatically pay the balance in full every month. My accountant just realized that for the last 7 yrs they have been charging me a {$60.00} annual fee, even though I canceled the card, made no purchases, made no inquiries, never logged in, or even possessed a valid credit card or activating one for the last 7 years. I do not understand how they can justify charging me when I didn't even possess a valid credit card. Every 2 years it expired, and not once in the last 7 years did I receive a new one as was customary or activate it. To verify, I logged into my account recently and got the last 7 years of statements, only one per year the XXXX  annual fee one. Chase did confirm they are now closing my account but will not refund the annual because of time lapse. My credit and credit history is spotless which is easily verified. I take this sort of injustice seriously. 
Thank you in advance for your assistance. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2018 I contact XXXX XXXX XXXX XXXX, the lien holder on my automobile, notifying them I had been laid off. XXXX informed me that I had involuntary employment separation insurance and provided me with contact information to begin my claim. 

XX/XX/2018 I received notices from XXXX XXXX XXXX XXXX that my payment was late. I contacted XXXX reviewing the situation and was assured it was being handled. 

XX/XX/2018 I was notified by a credit bureau XXXX XXXX XXXX XXXX was reporting me 30 plus days late on my loan with an outstanding balance. 

XXXX XXXX XXXX XXXX is either incorrectly reporting information to credit Bureaus or is willfully selling a fraudulent product of credit protection insurance.

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 2018-11-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX Chase credit card sent me a credit card without me requesting the card. 
They began to charge the card for XXXX XXXX membership. They charge me twice {$13.00} in XX/XX/2818 & XX/XX/2018. I called them about 2 weeks ago to complaint, I was connected to some one working in XXXX XXXX. I told the person that I never signed up a membership with XXXX XXXX and to returned the credit back to me. I also told him to cancel the credit card that I never requested. 
I was able to log in today to the credit card ending in # XXXX, apparently they are continuing to charge me for the same charges. 
I do not want to have a credit card with XXXX. I will contact them again to end my relationship with XXXX XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 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 have 5 Hard inquiries from several different auto loan banks which I did not authorize or give permission to any of these institutions my personal information All on the same day XX/XX/2018. As a result my credit score has dropped 10 points 2 for each unauthorized inquiry making us pay additional fees and higher rates. I have contacted the credit bu-rues Equfax on many occasions only they refuse to verify information and continuously send consumers on wild goose chases by filling out this long process dispute form and then saying it was validated. This waste valuable time and money. none of these people even sound american they don't understand English and infuriate consumers how does this keep happening. It is election time and this year I will vote this drove me to go out and vote and I will continue to vote until Equfax is held accountable for it's biased practices. 
I did not request any auto loan I did not give permission to run my credit to anyone I filed a dispute to have items removed I contacted each bank and spoke with them and they have no records of any credit request from me but still wont remove the item unless I go through credit bu-rues Credit beurus keeps saying bank validated it so back and fourth we go. Mean while my credit score drops we don't get the interest rate we deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: IL

Complaint narrative:
I was injured at my work place in XX/XX/2015 that required a visit to the emergency room. My employer paid most of the bill, but I have only recently been notified of an outstanding bill of {$430.00} that I was not made aware of until I noticed the derogatory claim on my credit score. The collection agency is XXXX XXXX XXXX. They claim to have notified me, but that has not been the case. I have not received any claims in the mail. I beleive this to be a predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/2018, upon re-entering PNC Bank at XXXX XXXX XXXX in XXXX North Carolina to inquire about a fee I was charged to cash a check that was drawn on PNC Bank, I was told by the Assistant Branch Manager by the name of XXXX XXXX. XXXX that my check, issued by XXXX, was a fraudulent check. ( The check had already been cashed by the teller prior to my involvement with Mr. XXXX ). I proceeded to ask Mr. XXXX what was fraudulent about the check. He began to tell me that the paper that the check was drawn on was regular copy paper ; that the check was blurred and some something pertaining to the font on the check that raised some red flags. He then begin to proceeded to call XXXX, I presume in his attempt to verify the check. Again, the check had already been cashed minutes before. I re-entered the bank to ascertain the veracity of the fee that I was charged to cash the referenced check. 

One teller told me it was {$2.00}. Another said it was a 2 % fee. I asked if there was a policy available for me to view re : this discrepancy. After I told him if it was a fraudulent check that I've been receiving the check for the past 11 years. Upon apologizing, Mr XXXX continued to tell me that it appeared that the check was fraudulent. I informed Mr. XXXX that he conduct was disingenuous to the customer to make such allegations without providing proof. Mr. XXXX made me as a consumer feel that I was not welcomed or valued. although I am not an account holder of PNC, the check was drawn on an account holder of PNC Bank. This kind of behavior was not only inexcusable, but as an African-American, it appeared to be stereotypical and made me feel that Mr. XXXX was racial profiling me. The two tellers were both XXXX-XXXX. However, I inquired upon Mr. XXXX, how he could tell if a check was fraudulent just by looking at it. 

Originally I went back into the branch, after cashing the check because I was told upon entering that if I did not have an account there would be a 2 % fee or {$2.00} fee. Based on the amount of the check the amount would have been less than the {$2.00} fee that I was charged. However I was then told that it would be 2 % or {$2.00} whichever is greater. I asked if I could see the bank 's policy regarding what I was being either there or online. No policy was made available for me. 

I informed Mr. XXXX that I would be lodging a complaint with the Consumer Financial Protection Bureau regarding his unprofessional and unethical behavior. He then said that the bank 's policy had recently changed. 

As a consumer I felt very humiliated and frustrated at the whole experience. Consequently, I never did get a resolution for what was originally intended. 

All rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
a payment i made and processed on XX/XX/2018 of {$200.00} has not been credited to my credit card account by XXXX XXXX XXXX.Got response letter to letter i sent HSBC on XX/XX/2018.HSBC responded XX/XX/2018 from hsbc with no person name, title or direct phone number.XXXX XXXX is very unprofessional in handling of this matter and i need you help to correct problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
I applied for a loan mod about 7 months ago and was denied. I have since paid all of my past due balances. They are now forcing an escrow account on my existing mortgage and trying to force me into another loan mod. I have no agreement other than my original mortgage.They have agreed that they are wrong but continue to harass me and push the new loan mod.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Contacted XXXX from XX/XX/XXXX to current date pertaining to inaccurate information on Transunion and XXXX reports. Also contacted Transunion and XXXX   regarding issues but they refuse to correct eventhough I have provided documentation. 
XXXX per credit reports closed account in XX/XX/XXXX, account was then amended and made into an installment account in XX/XX/XXXX. A letter was sent by XXXX to me pertaining new agreement but when I contacted XXXX pertaining to letter information I was told that not all the information on letter pertains to me and I should disregard any information not pertaining to me since letter is generic except for payment amount and terms. 
XXXX refused to report new agreement information to credit bureaus and continued to report as late. Payments made on new installment agreement were reported as X, NR or LATE Transunion and XXXX refuse to update information which I provided and showed account was closed and made into an installment account in XX/XX/XXXX with first payment due 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 2018-11-06 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Good Afternoon, I filed a credit card dispute with Citi for the purchase of a car where the company ( XXXX ) holds a portion of {$4000.00} before purchasing the car. The car was not purchased and was still charged the amount. There is no phone number or contact us on their website, nor did they have any kind of notification of a return / arbitration policy. After searching the business through a few review sites, I found another reviewer who had the same problem but had it resolved in his favor. A simple search of " XXXX reviews '' on XXXX will find a 2.5 review on XXXX, and another " My ( miserable ) experience with XXXX XXXX XXXX ''. After doing this research, I found that they have a very bad track history with zero communication and service. They will not reply through email, nor will they answer the phone. They have taken my money and left! This has been extremely stressful and I sincerely hope this could be resolved. When I filed my dispute, Citi reversed the credit and told me " good luck '' after XXXX said they do not do returns. There is nothing to return if I did not receive anything! I thought Citi was on my side.

Regards, - Hopeful Consumer

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 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Madam Please be advised that I just received a phone call on XX/XX/2018, from a person claiming to be from Social Security, stating that my Social Security Number was suspended. The call came from XXXX, which is the actual Social Security Hotline. 

My husband also called the local police while the person was still on the phone, and we alerted the person that we were reporting him to the police for fraud. 

He gave me his name as Officer XXXX XXXX, Badge Number XXXX. I spoke to Social Security and they assured me that none of their employees have Badge Numbers. 

He stated that my Social Security Number was suspended and there was an Arrest Warrant # XXXX for the perpetrator who is from XXXX XXXX, TX. He stated the Case # XXXX XXXX and then gave me an address of : Social Security Administration XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 

XXXX, MD XXXX I alerted all the credit reporting agencies and my banks so that they are aware that I have not given my information to anyone, and they should be aware that this scam exists to protect other customers. I could not get through to Experian on the phone or on their website to put a Fraud Alert on my account, and want to make sure that they do so immediately to protect my credit. However, XXXX  and XXXX have initiated a FREEZE on my credit accounts, so no one should be able to access my credit information without my permission. 

Should you have any questions or clarification, please feel free to contact me. 

Thank you for your courtesy and assistance in this regard. 

Sincerely 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 non-monetary relief