vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-17 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: FL

Complaint narrative:
Filed a dispute with transunion for XXXX XXXX XXXX and it was deleted from my report on XX/XX/XXXX. XXXX XX/XX/XXXX I received another report from transition and XXXX XXXX was not there. On XX/XX/XXXX I noticed it was reinserted without notification of reinsertion. I sent a request to remove account from my credit report by fax and nothing was done. I called on XX/XX/XXXX and I was only offered to open another dispute for XXXX XXXX XXXX instead of being offered to have the account removed immediately. On XX/XX/XXXX I received another report from transunion with XXXX XXXX XXXX on my report. As of XX/XX/XXXX I have not received notification of reinsertion or deletion of XXXX XXXX XXXX and also have not been provided any timely information as to why it was reinserted which is against my rights as a 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 non-monetary relief
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I've been trying to pay this but that company is not willing to negotiate the amount. 

I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.

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 2018-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: SD

Complaint narrative:
This company takes advantage of people through fast talking and minimal disclosures. I signed for this loan unaware of the total cost. The interest rate on the loan is 689 % which is illegal. 

I took out the loan for {$800.00} on XX/XX/XXXX and after {$1300.00} in payments, I called to pay off the loan on XX/XX/XXXX and the amount owed was {$680.00}. They had charged {$1200.00} in interest during 4 months. 

I called to pay off and they initially tried to make me wait 4 days so they could charge more interest, I told them no and to process ASAP to stop the interest. Then they told me that I had to pay with the account on file and if I wanted to change it would take a few more days ( more interest ). I requested a supervisor and then they transferred to me to another dept to make that payment by credit card. 

The rep advised that there may be foreign transaction fees for processing a card to which I advised that was not acceptable. Why do they have foreign transaction fees if their location is in Michigan and they are taking advantage of " Tribal Laws '' to bypass usury laws. 

This company and most of the people were XXXX XXXX - not XXXX XXXX. They are scammers, please help. 

Big Picture Loans is a wholly owned subsidiary of XXXX XXXX XXXX XXXX XXXX XXXX, a wholly owned and operated economic arm and instrumentality of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), a federally recognized Indian tribe, created for the benefit of the Tribe and operating pursuant to Tribal law. Big Picture Loans is a duly licensed Financial Services Licensee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an independent regulatory body of the Tribe, and operates in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulatory Code, which can be found here : Tribal Consumer Financial Services Regulatory Code.pdf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: TX

Complaint narrative:
I checked my XXXX XXXX credit score and my Equifax is showing 6 hard pulls that I do not recognize.XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted Equifax and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17 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: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department XXXX XXXX XXXX XXXX sheriffs XXXX of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department XXXX XXXX XXXX XXXX sheriffs XXXX of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.

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 2018-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
When I got the savings account, I was never given or seen a deposit account agreement.. 
I come to find out there is a fee for not adding and keeping the account activated this fee is {$10.00} a month. I had over {$300.00} in the account. I never got any notice of this fee, nor did I get any notice of the account being inactivated. 
XX/XX/XXXX is the 1st time I got a deposit account agreement, since opening the account in XX/XX/XXXX.. 

Here I thought a savings account was for setting money aside and building it up, not for the bank to steal it! 

This was done by First National Bank, PA the XXXX XXXX, branch

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-17 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: TX

Complaint narrative:
I checked my credit XXXX XXXX score and my XXXX is showing 6 hard pulls that I do not recognize.XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX were XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted XXXX and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.

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 2018-03-17 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:
I checked my XXXX XXXX credit score and my XXXX is showing 6 hard pulls that I do not recognize.XXXX XXXX XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted XXXX and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.

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 2018-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: GA

Complaint narrative:
I received a letter from Hunter Warfield the beginning of XXXX  for utilities that I didnt owe. I sent a certified letter to Hunter to verify that debt as being mine in XX/XX/XXXXXXXX  and they have yet to respond with proof regarding this debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
They call my cell phone while Im at work and dont leave messages. They call from multiple numbers. Now they are calling me at XXXX! This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Financial interfered with a dispute I had with an insurance company over the damage on my car. I was in the process of getting legal assistance when wells fargo illegally interfered and signed off my car to the insurance company. They are responsible for my negative balance. Since then I have been harassed by Wells Fargo Financial, and my credit has been ruined due to their actions. I have been abused by this company.

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 monetary relief
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation
State: NY

Complaint narrative:
I received an alert from my credit report from that a new account was opened in my name but I've never heard of XXXX XXXX XXXX. They came up on.y credit report and I want to dispute and find out who and what this company is and why they are reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was given a credit card in my XXXX year of XXXX school when I was just XXXX  years old through bank of america. I was briefly told about the benefits of the card then given a card with a {$700.00} credit line. Over time I was not able to pay the bill on time because, of my not many work hours and being so focused on school. By the time I knew it a collection agency was calling me during class, at home asking for me to pay {$900.00} for my bank of america credit card & I was young I didn't know who they were or how they got my number. I called bank of america to figure out the situation but, I found out my checking & savings account was closed along with having a red flag through XXXX XXXX  because, of fraud. Which was another shock I couldn't / didn't know how to handle properly. They told me after countless days of asking what happened that someone tried to cash a check in my name through the mobile bank of america app. That I had no idea about & explained to them various times, they told me that it would be taken care of but never was. I called but was told I would have to call XXXX XXXX and talk to them which I tried but had no response. Ever since those actions were taken place my credit has been bad. I haven't been able to open a new credit card to fix it or even a new bank account within a national branch. I am now XXXX years old I am married and have a XXXX months old XXXX. I own a business and work along in multiple other business as well in the advertisement and music. I have grown and now I'm trying to go back to correct all the wrong doing that has been done in my name on my credit still affecting me till this day in my decisions moving forward in life. 

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 2018-03-17 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: BB&T CORPORATION
State: DE

Complaint narrative:
I want the " late payment '' changed to " current '' on all credit bureaus. This is what happened : After speaking with a representative of XXXX XXXX, XXXX XXXX, on XX/XX/2018, she sent me the wrong payment contract ( see attached ). A week later, another representative called to inform me that XXXX XXXX sent the wrong contract. I reviewed, signed and sent back the corrected contract ; however, it was too late because XXXX XXXX had already reported to the credit bureaus that my accont was late ( XX/XX/2018 ). I was devastated as I worked very hard to bring my score up to XXXX over the past year and a half. 

I contacted the company to correct a " late payment '' to " current '' after having a conversation with VP of Center Manager, XXXX XXXX. He informed me that this issue would be corrected. It was corrected within the company ; but, not with the credit bureaus. It is reporting as " late payment '' on my credit report and caused by score to decline from XXXX to XXXX ( XXXX ) ; XXXX to XXXX ( XXXX ) and XXXX to XXXX ( XXXX ). As you can see, this late payment has seriously harmed my credit score due to an error on their part. 

I sent a certified letter to XXXX XXXX explaining above and they still refuse to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: BB&T CORPORATION
State: OH

Complaint narrative:
I have numerous credit inquires from banks that I never applied for loans from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have numerous credit inquires from banks that I never applied for loans from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
I tried to get a modification from Caliber Mortgage. I believe they intentionally stalled so that I could not get the modification. I gave them all of the information they asked for. They said they resended the foreclosure XX/XX/XXXX. And because I did not submit certain documents ( And I did ) they presumed the foreclosure. I was never notified about the XX/XX/XXXX foreclosure. They did not do things correctly. If you look on the previous complaint and their response you would see that they said they resended it in XXXX.Yet, they sent me a letter saying they did it in XX/XX/XXXX, and XX/XX/XXXX. ( All confusing ). I am very upset about all of this. They really never tried to help. If it was foreclosed in XX/XX/XXXX I should have been notified before XXXX. Please look in to this situation for me. My husband passed expectantly, they know about it and I believe they are taking advantage of me in my weakest, and during my time of bereavement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
There is a hard inquiry on my report from capital one that was done fraudulently and I want it removed. Also in collections all of them have been cancelled and already taken care of because of NO CONTRACT prior to the start of the new year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
XXXX XXXX trying to collect a debt not owed by me but they have put a negative identity on my credit reports on XX/XX/2018 this debt was paid a long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AR

Complaint narrative:
XXXX XXXX trying to collect a debt not owed by me but they have put a negative identity on my credit reports on XX/XX/2018 this debt was paid a long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority
State: FL

Complaint narrative:
I'm not sure if my issue is with private or Federal loans, bc I'm not getting straight answers and they have failed to show me that they can prove validity of the loans with MPN  or any other legal documentation showing where I was even told my loans were in default and my taxes were going to be offset. XXXX XXXX XXXX XXXX had my taxes offset last year and took {$6700.00} and even though I explained that I was experiencing severe financial hardship and was in a XX/XX/XXXXthat I had planned on escaping with my daughter that was XXXX with the money they took and I begged them to return it and asked what I needed to do to make that happen.i set up payment plan that day and emailed everything they asked for.never heard anything from them.the it's sent me a letter saying my offset was no longer in place so I called Kentucky higher education and told them about the letter I had received and asked when I could expect a reversal of the offset. They couldn't give me an answer.i was forced to continue to stay in the XXXX   situation bc of a terrible fall causing XXXX XXXX  the week prior to my offset and I couldn't go back to work.that fall alone should have showed severe hardship but it didn't I guess. Well in XX/XX/XXXX I was XXXX very badly and my XXXX   was XXXX and XXXX XXXX XXXX XXXX, XXXX and XXXX from head to toe.my daughter and I left and we're transit for a couple months under an order of protection from XXXX  and relocated to Florida. I called again to see if my situation warranted a reversal yet, the answer was no. They claim they didn't receive my paperwork, omg I have emails to prove it.i was forced to reconsolidate inXX/XX/XXXX to avoid my wages being garnished and my XXXX license taken due to default. I got a letter from Kentucky higher education after calling them asking why my credit report didn't show a payment for the XXXX that they took and why were they still showing me making payments on time when I was under a payment plan that they set up and got automatic drafts so I know they were paid on time.they gave me some crazy excuse and said that if I continue to fight for the money I lost with the offset that they would put me back in default bc they would sue me for that money if they were forced to refund it, bc once I consolidated and my loans were paid off, it didn't cover the money already credited, but had they returned it to me like they should have prior to the consolidation, the new loan would have covered all of it. And the loan in question is a loan from XX/XX/XXXX-XX/XX/XXXX but they show a XX/XX/XXXX date and I didn't reconsolidate or anything then. But that's around the time they claim default but my credit report shows of me making payments to them up until they took my money. So none of it makes sense but I think they fraudulently took my money and failed to return it causing me to suffer even more.

Company response to consumer: Closed with explanation