vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I contacted transunion credit services about unauthorized credit inquiries on my transunion report and they did nothing, told me I have to get a letter from the companies to remove it, the inquiries are fraudulent, it make no sense, there is no protection for consumers, these companies do as they want and get away with it, there is no oversite of these credit agencies. 

here are the fraudulent inquiries on my report with transunion XX/XX/2019 from XXXX XXXX XXXX XX/XX/2019 from XXXX  XX/XX/2019 from XXXX  XXXX XX/XX/2019 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 2019-11-22 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:
On XX/XX/2019 Sears Mastercard by Citibank charged me {$5800.00} in deferred interest for two promotional items that were paid off prior to the promotional expiration dates. The first promotional item was paid off on XX/XX/2019, 19 days prior to the XX/XX/2019 promotion expiration date and the second promotional item was paid off on XX/XX/2019, 6 days prior to the XX/XX/2019 promotion expiration date. I specifically allocated payments for these two promotional periods. This deceptive and abusive act put me over my credit limit and severely impacted my credit resulting in a 36 point decrease in my credit score. After two calls to speak with a supervisor, the creditor  eventually reversed the fees, however the damage to my credit had been done, and over a month later my credit is still impacted. This creditor 's mismanagement also negatively affected my ability to refinance my mortgage which I had planned to do while the rates were historically low. The high balance reported to credit bureaus from XX/XX/2019 to now has still not been corrected. This is the second occurrence since I opened the card that this creditor has incorrectly charged deferred interest for promotional items. I believe this is a violation of the federal consumer financial laws.

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 2019-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada
State: NV

Complaint narrative:
This collection of {$160.00} does not belong to me, it has been effecting my credit since the date showing on XXXX XXXX. I have not used this service I am being billed for, this account needs to be removed from my credit history and credit score. 

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 2019-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/19 THEY BILLED XXXX OF UNAUTHORIZED CHARGE AND I DISPUTED THAT AMOUNT THEY GAVE ME THE CREDIT FOR THAT. 
XX/XX/19 THEY REBILLED THE DISPUTED AMOUNT AGAIN WITHOUT PROOF NOR EXPLANATION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
Creditor was sent an accord and satisfaction payment and had endorsed and deposited the payment. Now creditor is refusing to acknowledge they agreed to the accord by endorsing and depositing the accord and satisfaction payment. If they were not in agreement they should have sent my payment back but they endorsed and deposited and have receive the funds. 

This debt should now be paid as agreed via payment. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Aurora Loan Services abusive loan servicing practices. In XX/XX/XXXXthey held XXXX plus in their restricted account and refused to release it to us. They placed forced insurance on our account in XX/XX/XXXX and refused to take it off after we notified them we had insurance creating shortages in our escrow account. 
In XX/XX/XXXX they closed XXXX XXXX and forded all other periodic statements to a fictitious address of XXXX XXXX XXXX. 
In XX/XX/XXXX were notified we by their attorney XXXX XXXX our loan was in default by 39 days, we immediately contacted them and was told we had XXXX in a suspense account and we need to send about XXXX to cure the default, which we did, they refused the money and said its in their attorneys hand. 
We have been fighting since and have requested documentation from them of our servicing of our loan until now, they have refused to give them to us. 
They have denied Loan Modifications, They have forwarded Fraudulent Documents in the Courts. 
They have refused to work out anything with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX, 60 Days late XX/XX/XXXX, 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and 120 in XX/XX/XXXX I am not sure how this happened. I believed I was under a different payment program due to family situations, I was assured by a representative that they would not mark my payments late!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
When I recently applied for a new mortgage it was discovered that my identity had been stolen and someone had opened a Nordstrom store card under my information and then purchased items, charged-off, and was sold to collections. I notified the 3 Credit Reporting Agencies and Nordstrom 's fraud department. The fraud department had me send a photocopy of my ID in along with a statement that the purchases were not mine and that I had not opened a card with them. I have tried to follow up several times with the Fraud department and each time they repeat that they have been sending physical mail which I am not receiving. They have also claimed I will need to work with the collections company separately. The issue is Nordstrom is the party responsible for not performing due diligence and issuing fraudulent credit and then selling that fraudulent credit to a 3rd party.  Nordstrom should be responsible AND helpful in the process. My credit report shows all paid as agreed ( never a single delinquency ) prior to this fraud. I would also expect them to be able to pull the location the card was opened such as physical store or IP address to show it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FED LOAN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: CA

Complaint narrative:
On XX/XX/XXXX I learned from a credit reporting agency that an inquiry was made by First Progress, resulting in a drop in my credit score. 

After learning of this, I logged into the First Progress website and discovered an annual service fee and late fees on my billing statements. I called First Progress after discovering these fees. 

I am aware that this card has an annual fee ; however, I had discontinued using the card for the past year or two and because the card hasn't been used I stopped logging into First Progress website to check my balance. I expected to be notified via email, phone, or mail when the annual fee was due. 

I received zero notifications. 

I have reviewed my statements on the first progress website ; apparently, the annual fee of {$44.00} first appeared on a statement dated XXXX XX/XX/2019. 

Unaware the {$44.00} fee was due in XXXX, I did not pay it as I was not made aware of the balance. 

The next statement indicates that a late payment fee of {$28.00} was billed. And another statement to follow indicates an additional late payment fee of {$39.00}, giving me a balance of {$110.00} owed. 

Again, I only found out I was being billed for anything by the dip in my credit score via a credit reporting agency. You can imagine how this could have snowballed into owing thousands  of dollars to a company who's services I have ceased to use if I hadn't looked at my credit report. This seems unfair, unethical, and quite frankly, predatory. 

The representative at First Progress I spoke with had little to say when I explained that I had not received any bill, but did offer the removal of the recent {$39.00} late payment fee, explaining that that is all they could do. So I paid the remaining balance of {$72.00}. 

I have since closed my account with First Progress and am awaiting a refund of the original deposit I made when I opened the account. I was told by the representative I spoke with that a check for my original deposit would be mailed to me. 

It has been close to a month and I have received no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. 
XXXX XXXX,, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX 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 # XXXX XXXX  XXXX XXXX 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 explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Initially applied for a home refinance on XX/XX/19. Completed all requested application and follow up documents within 5 days of application and used portal to verify and upload other as request. Was told would take 20-30 days to close this refi. Over the course of the following weeks, I consistently called or e-mailed for status and was told one thing or other delaying the closing. I was also told the new lender was having difficulty obtaining the payoff of current loan with current bank. I had to do it myself and send the bank letter to the new lender, Quicken Loans ( XXXX XXXX  via Rocket Mortgage ). When reaching the 60 day mark I again contacted my loan officer at Quicken to pressure on closing and I threatened to cancel the entire thing. I did get a call from the closing team to schedule my closing finally on XX/XX/19, which did close. During the back and forth communications and including my closing appt on XX/XX/19 I was told the portion of funds coming back to me would be EFT to my bank on XX/XX/19 with payoff to current lender on XX/XX/19. As of today the EFT to my bank for my funds has yet to happen so am afraid now that the existing loan payoff scheduled for today, XX/XX/19, will also be delayed thereby possibly creating a balance due from me to my current lender. I've nothing but road block after road block with Quicken/XXXX XXXX and feel they owe me interest for being late in depositing my funds. I've yet been able to get in touch with anyone from XXXX. I have had to e-mail or phone text my Loan Officer three times. I feel as though Quicken presents a very good sales pitch to customers but fails to disclose true and full transparency on actual process and time. Although, I will say the rate is what they promised, but closing costs did end up being slightly higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
the date was back around XX/XX/2010 when I was living in XXXX. I was on a consistent basis receiving a money transfer each week that was sent from XXXX XXXX XXXX around the time of XX/XX/2010 I went to the XXXX at the XXXX XXXX on XXXX  XXXX.to receive the transfer. They say it wasnt there although at the time i had the receipt number as well as answered the security question. However there was nothing there. Asked XXXX XXXX did he send it. He said he did. The following week he said he sent another transaction. This time I tried to receive it at XXXX in XXXX XXXX. Same thing happened there. Each amounts were for {$400.00} dollars. I did attempt to resolve this matter for years. I can not locate those confirmation numbers that you need to give them to look further into it. since then i've moved to XXXX. But i really need to know what happened to the money and collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I tried calling the company listed on my XXXX  that did a hard inquiry without my authorization I did got the run around the company didn't exist I got sent to synb bank they  said I had to go back to XXXX  I keep going in circles and I need your help

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 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: New Era Asset Management, LLC
State: NY

Complaint narrative:
Collector has used an abusive/rude language/tone when have tried to contact me regarding an account with XXXX XXXX. They have called from XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo Home PR # XXXX is reporting a charge off to my credit that I do not owe. This is past the statute of limitations in Colorado where I received the debt and I no longer legally owe this. I would like it to be removed off of my credit report.

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 2019-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
Prestige Financial Services Administration proposed a settlement of {$12000.00} on sale of my XXXX  XXXX XXXX with XXXX miles on it. 
Prestige Financial Services Administration stated they will settle for {$12000.00} but remaining balance of {$5000.00} on the loan will be reported to XXXX, XXXX  and XXXX  credit reporting bureaus to destroy my credit and credit scores and put me in more financial hardship as l am respectfully XXXX XXXX and XXXX  and on fixed   XXXX Retirement  income. 
There is a dealership or car Organization of XXXX  that's offering {$12000.00} for the vehicle as XXXX has sent me a email forwarded to Prestige Financial Services Administration Mr.XXXX XXXX that XXXX   will purchase the vehicle for {$12000.00}. 
The vehicle is well maintained by me and there is no mechanical issues on vehicle as a California certified mechanic check all the safety on the vehicle and conducted Tune up, brakes and any repairs on vehicle. 
Vehicle has new tires and is very cleaned.

Vehicle is insured by XXXX  insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
On or about XX/XX/2019 I applied for a loan purchase a new automobile. The dealership processed the loan to XXXX XXXX  and XXXX XXXX. Both companies used Sage Stream LLC and XXXX  for credit scores. XXXX reported a score of over XXXX and Sage Stream reported XXXX. I was sent letters from XXXX and XXXX XXXX about this to explain their declining credit for the car. 
Since XX/XX/2019, I have attempted to contact Sage Stream by phone at XXXX XXXX to 15 times at various times of the day. They do not answer their phone, but take a voicemail which they say will be answered within a business day. I have never heard from them. 
On or about XX/XX/2019, I submitted through their website a request for 1 ) a copy of my credit report and 2 ) a freeze on my credit report. Their website states that I will mailed the requested reports. 
As of XX/XX/2019, I have not received anything from Sage Stream.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX  # XXXX is reporting a charge off to my credit that I do not owe. This is past the statute of limitations in Colorado where I received the debt and I no longer legally owe this. I would like it to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX  # XXXX is reporting a charge off to my credit that I do not owe. This is past the statute of limitations in Colorado where I received the debt and I no longer legally owe this. I would like it to be removed off of my credit report.

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 2019-11-22 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX  # XXXX is reporting a charge off to my credit that I do not owe. This is past the statute of limitations in Colorado where I received the debt and I no longer legally owe this. I would like it to be removed off of my credit report.

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 2019-11-22 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: NC

Complaint narrative:
I found out that there are 2 accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. Neither of those accounts belongs to me nor did I authorize anyone to open those accounts using my personal information. I have no idea who could have stolen my personal information to open these accounts behind my back but I already filed a police report. I did not gain anything at all from these accounts being open in my name nor did I take part in any purchases, transactions or payments regarding these accounts.

Company response to consumer: Closed with explanation