vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 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: PRESTIGE FINANCIAL SERVICES INC
State: KS

Complaint narrative:
I  XXXX   XXXX  am writing this request due to incorrect reporting on my credit file.     I went into  XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX   .  On   XX/XX/XXXX  b ecause  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since   XX/XX/XXXX I have n ot had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all   XXXX   credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull o n  XX/XX/XXXX  and in  XX/XX/XXXX  wer e both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on   XX/XX/XXXX . T here was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX   office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX  Attacked me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX   Inquiry be re moved  My my cre dit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , MN  XXXX  The inquiry was submitted on  XXXX   XXXX  and on   XX/XX/XXXX  w ithout authorization or consent.      2.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again o n  XX/XX/XXXX .  Both without authorization or consent.      3. Prestige Financial Se rvices  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on   XX/XX/XXXX  and again on  XX/XX/XXXX .  Both without authorization or consent.      4.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted o n  XX/XX/XXXX  Without authorization or consent.       5.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted o n  XX/XX/XXXX . Both without authorization or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: Certified Credit Reporting, Inc.
State: KS

Complaint narrative:
I  XXXX   XXXX  am writing this request due to incorrect reporting on my credit file.     I went into  XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   ). On   XX/XX/XXXX  be cause  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since   XX/XX/XXXX   I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all  XXXX  credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull on  XX/XX/XXXX   and in  XX/XX/XXXX  were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on  XX/XX/XXXX . There w as no explanation on how or why my credit was pulled this time either. I had n't even been into  XXXX   XXXX  office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX  Attacked me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX  Inquiry be removed  My  my credit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , MN  XXXX  The inquiry was submitted on   XX/XX/XXXX  and on  XX/XX/XXXX  w ithout authorization or consent.     2.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on   XX/XX/XXXX  and again on  XX/XX/XXXX . B oth without authorization or consent.     3.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on     XX/XX/XXXX  and again on  XX/XX/XXXX .  Both without authorization or consent.     4.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted on   XX/XX/XXXX  Without authorization or consent.       5.  Certified Credit rpdt  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted  on  XX/XX/XXXX . Both without authorization or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TAMMAC HOLDINGS CORP
State: MD

Complaint narrative:
Tammac Holdings Corp was paying  XXXX  a month for  XXXX  year loan  XXXX  payments starting  XXXX  for a  XXXX  dollar mobile home.   struggled in  XXXX  so they were able to lower to  XXXX  a month with modification loan.   I email them in  XXXX  to find out when loan will be paid off and Tammac said you have  XXXX  left but with  XXXX  payments left at  XXXX  a month. So now loan has another  XXXX  years just for knocking down payment  XXXX  a month at  XXXX  from  XXXX . Its a loan modification And was to be paid off in year  XXXX . So they are saying  XXXX  payments left and that adds up to year  XXXX  roughly. So i am paying  XXXX  in interest which is completely insane or even  XXXX  in interest. All of this just to modify home for a lower payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Situation Outline : I n 2016  we had a water leak in our home that turned into flood. The water did significant damaged and was only noticed when mold started appearing on the ground floor.     No doubt you are aware of the mold problems California has, this was further complicated by of partners   XXXX   XXXX       We immediate moved to remediate the problem and engaged our insurance company to make a claim against our home owners policy.     The insurance company assessed the damage, we completed the remediation and repaired, and the insurance company paid the claim via cheque.     Unfortunately the insurance company insisted that the cheque for the claim be made payable to my partner and I, and our mortgage company.     We contacted the mortgage company explained what had happen, outline the insurance claim and explained we had a cheque in hand that they needed to endorse so we could cash the cheque and cover the cost of the repairs.     The mortgage company insisted that we endorse the cheque and mail to them for deposit. They provided a documented process that explained that they would help us managed the remediation and they would distribute the money via payments to any contractors that worked on our home.     We explain to the mortgage company that we had expedited the remediation and repairs and they were complete because : - Dangerous nature of the damage - Water and Mold - Expert advice from flood remediation experts that Time is of the essence to avoid further damage or complete destruction of the home - Potential increased cost due to further damage and detrition of the home - Need to make the home habitable to minimize alternative accommodation costs - Need to reduce any health risks my partner We have reported all of this to the mortgage company and started asking for a completion inspection as per their documented process they provided to us with.     We have received no communication or contact from the mortgage company or their agent to complete an inspection. We have written to them dozens of time to try and get them to engage.We are carrying a {$25000.00} balance on a credit card for the repairs and remediation that they have the insurance claim cheque to cover. The interest is over {$500.00} per month.     We desperately need help with these folks and the name of an attorney we can engage to recover our mounting costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On  XXXX   XXXX  I registered a Best Buy Credit Card to purchase a {$1000.00} TV with 6 months no interest. I later purchased another TV in  XXXX  for {$600.00} on the same card.     I had been making payments every month since  XXXX  and continue to this day  XXXX   XXXX   XXXX  ). I never gave it too much thought but finally iwondered why the balance never lowered. After 10 years of paying at least the monthly minimum I still owed {$1600.00}. I looked into my bill statements when I noticed I was paying something called " debt protection. '' This debt protection service would amount to  XXXX  dollars a month. I had apparently been paying this fee for all 10 years and had no idea what this was or why it was on my statements.     Mid  XXXX   XXXX , I calle d Citibank ( whi ch had taken ove n   XXXX   when I signed up for the card ) and told them my con cern. They put in a request to refund me the money I paid into the debt protection service which amounted to about $  XXXX  as what they told me. A couple weeks later I received a letter from Best Buy stating " any previous billed fees are valid and non-refundable. '' They denied the attempt of a refund but did opt me out of the debt protection service.     I have since call ed Citibank and B est Buy hoping to get clarification in the matter. They have not given a proper answer or direct contact letting me know why the refund was rejected or why this was added onto my statements for 10 years. After doing more research into  Citibank  and  XXXX , it appears there was some fraudulent activities occurring as they were participating in unfair deceptive credit card practices- latching on add-ons to your bill without making the consumer aware.     I had no idea what this debt protection was or why I was enrolled in it. I 'm still not sure what it even offered or why it was included when signing up for a Best Buy credit card.

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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HireRight Solutions, Inc.
State: AZ

Complaint narrative:
My consumer reports are different names not my actual name. Also im trying to get a job with a good company for once and my background is 100 % inaccurate. A  XXXX  search says more about me than the consumer reports that not in any way was I asked if its actually me. I had my Id stolen and lost it happens but my  Social security/ IRS statement says  actual events while the consumer report is just a computer guessing or a guy on a computer trying to figure out who some one is.  XXXX  works better honestly. Its recent and honest. Im sure im not the on ly one with  this problem. I imagine people that are not tech savy. The lies and guesses that they receive sure explains why alot of people are unemployed!!

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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is wrong information on my report :  XXXX   XXXX  > I have never paid late this account, insurance paid late   XXXX   XXXX    XXXX   XXXX  > I have never paid late this account, insurance paid late

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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is wrong information on my report :  XXXX   XXXX  > I have never paid late this account, insurance paid late   XXXX   XXXX   XXXX    XXXX  > I have never paid late this account, insurance paid late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is wrong information on my report :  XXXX   XXXX  > I have never paid late this account, insurance paid late   XXXX   XXXX    XXXX   XXXX  > I have never paid late this account, insurance paid late

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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have found this information on my report :  US BKPT CT  NJ  XXXX   Reference  #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have found this information on my  report : US BKPT  CT NJ  XXXX   Reference  #  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 2017-05-05 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: AZ

Complaint narrative:
There are fraudulent inquiries appeared on my report without my permission  1.    XXXX    XXXX     XXXX    2 .   XXXX   XXXX    XX/XX/XXXX   3.    XXXX   XXXX   XXXX     XX/XX/XXXX   4.   XXXX   XX/XX/XXXX   5.    XXXX   XXXX   XXXX    XX/XX/XXXX   6.   XXXX   XXXX   XXXX  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 2017-05-05 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: AZ

Complaint narrative:
There are fraudulent inquiries appeared on my report without my permission  1 .   XXXX   XXXX    XX/XX/XXXX   2.    XXXX   XXXX     XX/XX/XXXX  3.   XXXX   XXXX   XXXX    XX/XX/XXXX   4.      XXXX    XX/XX/XXXX  5.   XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX .   XXXX   XXXX    XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
The collection company stated above has reported that I received medical attention at the following facilities on the following dates or that accounts were opened on the following dates :  XXXX   XXXX ,  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX       These accounts were placed in collections when I never received medical attention on these dates and if I had, I was fully covered by    XXXX   XXXX    and  XXXX   XXXX  coverage on those dates. These are false accounts with false dates in an attempt to try to prolong the collection timeframe on accounts that are clearly fraudulent. As stated before, these are fraudulent tactics and I will be writing an official complaint to the   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and the Better Business Bureau if these issues continue to persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
offed  XXXX      AA advantage point if spent {$3000.00} in 3 months.
Gave {$1500.00} limit.
paid more for the account to be in credit but freeze spending power not to get to {$3000.00} in 3 months

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 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC
State: MO

Complaint narrative:
this company says it is a collection agency I have never done business with this company no ever had a contract are anything with them they are harassing me I would like for them to leave me alone this company say I owe them XXXX yet I have never heard of them and they also that they are a debt collection agency I have never done any business what so ever with this company and have never heard of them I believe they are an illegal company its against the law to put a collection on a persons account with out contacting them 30 days prior and in do n't no this place are who ever they say they are remove this from my credit report all 3 major reporting agency. called no answer phone ring then go busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
The collection company stated above has reported that I received medical attention at the following facilities on the following dates or that accounts were opened on the following dates : -XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) -XX/XX/XXXX ( XXXX  XXXX XXXX XXXX ), -XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). These accounts were placed in collections when I never received medical attention on these dates and if I had, I was fully covered by Nevada XXXX and XXXX XXXX coverage on those dates. These are false accounts with false dates in an attempt to try to prolong the collection timeframe on accounts that are clearly fraudulent. As stated before, these are fraudulent tactics and I will be writing an official complaint to the Nevada XXXX, the Nevada Department of Health and Human Services and the Better Business Bureau if these issues continue to persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Good Afternoon- I unfortunately miscalculated my finances this month and have {$420.00} in overdraft fees. I called the bank and informed them that I understand that this was my fault but I have been a customer of Santander for  over eight years and  would they be able to waive the fees. They informed me that they could only remove  XXXX  of the fees leaving me with an overdraft fee of {$350.00}. As it is right now it is very difficult for me to make ends meet and the {$350.00} overdraft fee is not allowing me to catch up on my expenses. Is there a way to fix this?

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