vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 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: TN

Complaint narrative:
I have placed a fraud alert with all credit bureaus as of XX/XX/XXXX. I received a copy of my credit report to see that the same companies, sometimes up to 3 or 4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX XXXX XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX, and XXXX on 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 non-monetary relief
Consumer complaint received 2018-06-07 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My social security has been used by my brother. I believe this best buy mastercard that is now being reported by a collection agency ( XXXX XXXX ) this credit account was opened by my brother who was my former roommate and eventually took over my lease when I was XXXX in XXXX around the time when the account was opened. He has access to my information and my mailing address. upon checking my credit report I noticed the account and I have no knowledge of the account. is there any way that this account can be removed from my credit file. Ive tried to reach out to the collection agency but they refused to remove it even with a FTC report and a copy of my military orders. I've uploaded my FTC report to support my claim that I've been dealing with identity theft and fraudulent for the past 10 years.

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 2018-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California
State: CA

Complaint narrative:
Collection Consultants of California have been trying to collect a debt that is past the statute of limitations in California and won't remove it from my credit report. They are also in violation of HIPPA as they have sent me my full list of medical procedures performed and they were not supposed to have that. I have sent other complaints about the company to the major credit bureaus and also to the Attorney General of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/2017 I paid Capital One the balance of my credit card online in the amount of {$470.00}. I then inadvertently made a second payment online and overpaid my credit card by the same amount of {$470.00}. The payment cleared and my account is showing a credit balance for the {$470.00} with Capital One. I have called the company repeatedly, the first time they said they had sent the credit in the form of a check back to me to an address I no longer lived at. I asked to change my address and to re-send the refund, they refused to do either. After speaking with them again today, they are refusing to send a refund at all. They are now telling me that it is in their fraud department and they don't and won't send that credit balance back to me, even though they know both payments have cleared, they do have my money, and there is no fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

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 2018-06-07 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the  months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

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 2018-06-07 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
While I traveled outside country, I rented a car in XXXX using BOA 's credit card ( BOA TRAVEL REWARDS VISA CARD, XX/XX/XXXX to XX/XX/XXXX ), rental car company withheld a credit on my card on XX/XX/XXXX and released when I returned the car on XX/XX/XXXX, then I realized that I was unreasonably charged usd {$46.00} for less than XXXX XXXX Lira charge ( it should be less then XXXX usd per market rate ), rental car company ( XXXX ) sent me letters clearly stated that only less than XXXX XXXX Lira was charged by them. BOA explain that this is because of the foreign currency exchange rate change and reject to dispute the overcharge, clearly I am treated unfairly and have been taken advantage by BOA.

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 2018-06-07 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:
I took a personal loan of XXXX out through XXXX XXXX XXXX XXXX in the fall of XX/XX/XXXX. I became delinquent on the remaining balance of XXXX in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sued me and won a judgement in absentia and garnished my wages beyond the amount and fees owed. I disputed the validity of the debt in XX/XX/XXXX in XXXX County court where the garnishment was filed. I settled with XXXX, via a consent order, wherein, they would reimburse half of the garnishment, and I'd make payment arrangements to settle the balance. I have not had my funds returned. My attempts to contact XXXX XXXX, who represents XXXX in the case, have gone unanswered. Furthermore, XXXX XXXX has been paid in excess of the original balance owed, yet the company continues to maintain a lien on my property and is reporting to the credit agencies that I am delinquent and owe the full original balance despite the company being paid in full XX/XX/XXXX through an unlawful garnishment of my pay check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on or about XX/XX/XXXX XXXX XXXX notify me and stated XXXX XXXX to get your used down capital one have the right card for you. because you have good credit and with a good standing pay history. apply for this card because you have good credit. which in fact is fair credit XXXX is fair credit. some one pull your credit it effect your score. never late, never missed any payment in in 120 month on my account. but capital one went through three disffence agencies just to say no. went they could have use one credit agencies to say no. and it effect my score big time. but what they was looking for was some one with a 720 scores. and that is misleading the market. what they said is a ( fair ) score and went you make 6 month of payment on time we will up your credit limit. now before capital one pull my credit my score it was XXXX it is XXXX. they mislead me and there consumer, and did offer any offer, so is capital one mislead people are is it XXXX XXXX   false misleading there client. this was mistreat and it was unfair to me. these false and mislead fact I would have never apply for that card. but that what they was hope to get some one to apply with a 700-720 score. and i once have a XXXX score in XXXX .application ID XXXX. I ask capital one to show me a mark on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR

Complaint narrative:
I have gone through a trial modification of my mortgage for the past year and a half when i sent my mortgage payment to XXXX XXXX XXXX XXXX they sent the check back stating my home was in foreclosure since that time i have sent them proof of my cancelled checks and they have just been dogging me around

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: AZ

Complaint narrative:
I am a victim of identity theft. My XXXX XXXX XXXX XXXX XXXX credit card # : XXXX. The following accounts and credit inquiry are fraudulent, unauthorized and not mine : XXXX XXXX/XXXX, XXXX 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
Consumer complaint received 2018-06-07 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: FL

Complaint narrative:
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These two accounts was to be removed due to the age of the account. This account is past 7 years old. By law, u can only have a debt on a credit report for 7 years. Please remove both the following. 

XXXX XXXXXXXX XXXX Acct # XXXX to be removed XX/XX/2018 XXXX Acct # XXXX-Was to be removed XX/XX/2018 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 non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
US BANK FROZE MY ACCOUNTS AND CREDIT CARDS. NO EXPLANATION. NOW ITS ON XXXX for 5 years without any explanation, I have not given any personal information out and have been at this bank many years. I need to know exactly what has transpired. thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX Email 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 2018-06-07 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: MO

Complaint narrative:
XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$2800.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$1600.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$980.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$1600.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX DIPUTE {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: On-Site Manager, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX denied me rental on XX/XX/2018, based upon the background check reported by agency. I have reviewed what was reported upon request to XXXX XXXX out of XXXX Texas. It is incorrect. It states I was charged and convicted of a XXXX and XXXX counts of XXXX. This is incorrect. 
I have sentencing orders showing there are XXXX XXXX ( XXXX for XXXX XXXX and XXXX for extreme XXXX ). I was ordered XXXX XXXX for 18mths, but will be lowered and set aside after completing 9 months. 
I want this corrected asap and can submit documentation to support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: Investment Retrievers, Inc.
State: AL

Complaint narrative:
I have attempted to communicate with Investment Retrievers on numerous occasions dating back to XX/XX/XXXX. In XX/XX/XXXX, I retrieved a copy of my credit reports and noted that this company was reporting an entry on my credit reports that had inaccuracies. To that end, I submitted a letter to them dated XX/XX/XXXX. I did not receive a response from this company. Please note that I have never did any business nor have I ever signed any contracts with this company. My second attempt at communicating with this company was as recent as XX/XX/XXXX. In the letter that was sent, I again requested that the company provide documentation to support what they were reporting was validated. To date, I have not received a response. 

Also note that I have disputed this entry with XXXX and XXXX alike, yet they confirm that it is verified. My question and concern is how are the bureaus receiving notification from this company to the extent they are able to verify the account entry, yet the company has failed to respond to my disputes on multiple occasions. Additionally, duly note that ALL correspondence I sent was sent certified with a return receipt. Investors Retrievers did indeed receive the letters, yet they did not respond and have not responded to date. 

As such, my request is for this erroneous, inaccurate, unverifiable entry be deleted from my XXXX and XXXX reports. XXXX deleted this inaccurate entry in a previous dispute, which again raises concern as to how and why these other two bureaus are still reflecting and reporting. 

DELETE THIS ENTRY IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK
State: CA

Complaint narrative:
I opened a savings account with XXXX XXXXXXXX XXXX on XX/XX/XXXX. The bank started to deny all forms of withdrawals from this account since XX/XX/XXXX. I called their customer service line, only to be told that they put in place a retroactive 60 day account hold on all new accounts. There was no email notification of this new policy, just a popup if you happened to try and log in to your account. Customer service told me I needed to email them a copy of statement or voided check to prove ownership of the recipient account for the transfer. I email them the statement on XX/XX/XXXX, but was told it would take 3 business days to release the hold. As of today ( XX/XX/XXXX ), I am still unable to make any withdrawal in any form. I called their customer service again, and they could not provide a valid reason.

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 2018-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a consumer of 53rd bank for my auto loan. When I was impacted due to Hurricane Irma, they provided me with a deferment until XX/XX/XXXX which I am appreciative of. Starting in XX/XX/XXXX, I made consistent payments up until XX/XX/XXXX, because I had a XXXX in XX/XX/XXXX and was out on XXXX XXXX, so I did not have any income at the time. I spoke with them XX/XX/XXXX requesting a temporary deferment until XX/XX/XXXX payment as I would be returning to work starting XX/XX/XXXX. They stated that they could not do that because I did not have 90 days of consistent payments, which was false. 

Since the past due payment from XX/XX/XXXX, they have called me every single day. I spoke with two different reps and advised them of my situation. Today I spoke with a gentleman who stated that I owe XXXX, which is also false. He was clearly bullying me in to paying more than what was actually owed. I was only behind one payment of XXXX, but he was adding XX/XX/XXXX payment in to that total which is unfair. He also stated that he had the ability to call me 4 times a day, which is clearly harrasment. As a woman who just had a baby, they had absolutely no regard for any potential post partum issues I could be experiencing. I have never missed a payment with them before ever, and after one missed payment, I am harassed? 

I then spoke with a woman named XXXX, when talking to her I asked her to review my history for XX/XX/XXXX and XX/XX/XXXX and she said " that's not what I am here to do '' she refused to help me and was more concerned about arguing with me. I requested to speak with her supervisor XXXX and he would not get on the line either. 

I was simply asking for a deferment for XX/XX/XXXX or XX/XX/XXXX just to help and I was spoken to disrespectfully, I was harassed, and still provided with no resolve despite my consistency with them.

Company response to consumer: Closed with explanation