vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 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: FACTUAL DATA CORP.
State: MS

Complaint narrative:
On XX/XX/XXXX Factual Data has checked my credit on XXXX  and XXXX. I did not authorize this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I disputed an account with XXXX  and the collector on XX/XX/2019 but they keep verifying it. Portfolio Recovery Associates LLC attempts to collect {$16000.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. They hurt my credit and I can not qualify for any loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: VA

Complaint narrative:
It's not my inquiries, i never applied for this companies.

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 2020-02-11 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: VA

Complaint narrative:
It's not my inquiries, i never applied for this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Windham Professionals, Inc.
State: TX

Complaint narrative:
I received a call from XXXX at Windham Professionals and he would not take my number out if his system. For over 4 minutes he kept telling me that I needed to tell him who I am although he called me and I told him I am not the person he was looking for. He was not answering my question on who he is and what company he was with. He kept demanding I tell him who I am. 
I have a video of 2:50 of the over 4 minutes of call. It wouldnt allow me to upload but will make it available if needed.

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 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
This phone number continues to call me AT WORK from number XXXX about this debt. I've asked them to call me on my personal number, but they continue to call me at work. They are threatening and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: GA

Complaint narrative:
REMOVE FRAUD ALERT FROM EQUIFAX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I sent money over to to XXXX XXXX for a lease exchange. I was to sublet an apartment and sent over {$1600.00} for security for the apartment. This was broken up into two separate payments sent to him through XXXX via my Bank of America account. 
XX/XX/XXXX - {$820.00} XX/XX/XXXX - {$820.00} The sublease turned out to be unauthorized, XXXX XXXX owed back rent and was specifically told he was not allowed to sublet the apartment. After contacting XXXX to send my money back and that I was aware of his scam I was blocked everywhere from contacting him. Immediately after finding out this was the case I contacted Bank XXXXf America on XX/XX/XXXX to see what could be down to get my money refunded to me. I was told that of course they would be able to help since I was a victim of fraud but the XXXX team was unavailable on the weekend so to please call back on Monday. I called back on Monday XX/XX/XXXX and spoke with two different people at Bank of America who told me two vastly different things. One told me they would be able to fill out a scam report and file a complaint with XXXX in order to try to get funds back to me on their end and that I should file a complaint with the Internet Complaint Center which I did. Another told me there was not anything that could be done since I authorized the transaction.

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 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
Since my initial contact with Prosperity Bank dba XXXX XXXX  & Mrs. XXXX XXXX in XX/XX/2019, I had let it be known that I would be using any and all proceeds from the sale of my previous home to put down on the purchase of my new home, making the loan needed as small as possible and making my monthly mortgage payment lower. I was sent a loan estimate on XX/XX/XXXX showing that my loan would be for {$140000.00} and {$82000.00} would be my cash to close, including closing costs with a closing date of XX/XX/XXXX. See attachment # 1, XXXX. 

On XX/XX/XXXX, three days before my closing date, I was informed by Mrs. XXXX that my loan was being changed to an amount of {$170000.00}. My cash to close had been lowered to {$51000.00}. See attachment # 2, XXXX. I asked her why this was happening. She responded with the question " Have you made any plans for your future? '' or something to that effect. She then began to sell me on investing services and financial planning through XXXX XXXX XXXX. An email from Mrs. XXXX referencing this is attached as XXXX. She wanted me to take the money I had previously stated that was to go toward the purchase of my home and use it on some investments I had never inquired about or even desired. I also think it is obvious that she did this to get a bigger commission for this transaction by making me agree to a bigger loan. XXXX  XXXX will also make more when they sell the bigger loan to another financier. 

At this point I had three previous home purchases fall thru for various reasons starting back in XX/XX/2019. I had already made plans to vacate my temporary residence and had called my moving service to deliver my belongings at my new address and requested time off from work when the unwanted change in the loan was presented to me. I was anxious to get into a home of my own and use my belongings that had been in storage for the better part of a year. I believe she timed this change to take advantage of the situation and coerce me to agree to a loan I otherwise wouldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: Ad Astra Recovery Services Inc
State: OR

Complaint narrative:
On or about XX/XX/2019, the consumer disputed an alleged debt with Ad Astra for an alleged payday loan made around early 2019 of the same year at XXXX store number XXXX in XXXX Oregon. The consumer has no knowledge of this debt, is not admitting to any debts and has no current or previous business relationships with this entity or the collections agency representing XXXX. Ad Astra failed to mail a debt verification letter and instead sent the same collections statement. The consumer is demanding the original promissory note or a copy thereof including the full loan terms, conditions and all associated statements and administrative remarks on the account. The consumer is unable to verify the debt and therefore is claiming that this is an invalid and illegitimate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: MS

Complaint narrative:
Although I provided continuous coverage and showed proof of such forced coverage was added to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Huntington Bank holds the loan on my auto. Unfortunately when you sign up to pay online the system does not allow you to see the history of your payments and when I attempt to make a payment early it denies me that right. It seems the only way around this is to open a Huntington Bank account which is absurd. I should not have to open additional unwanted bank accounts to access my information so that I can properly handle my loan as I see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
Over the last several weeks I've been trying to get a refund of a {$30.00} fee that the bank has unethically taken from my account. During this time I have spent many hours on the phone with multiple supervisors who have been unable/unwilling to help. Constantly trying to push me off the phone with no resolution, or one who inevitably hung up on me on the morning of XX/XX/2020. 

All I need is a simple issue resolved, but due to the banks online only nature there is no physical location I can walk into. I'm hoping this complaint will get me in contact with someone who can actually help me. All I need is someone with the authority to actually fix this issue. PLEASE!

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 2020-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Had two transfers which were suppose to be transferred to my XXXX XXXX   account from the company called Quickpay Zelle. 
I have called chase more than 5 times and they promised me to money would be in my account. 

Expecting to transactions {$10.00} & {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I did not request that Bank of America inquire about my credit

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 2020-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
Took out a Title Loan with Titlemax on XXXX. The loan was for {$1600.00}. I have already paid in {$2800.00}. I called for the payoff and they said it was {$700.00} so I borrowed the amount from my sister ... this did NOT pay off the loan. They kept the money and applied to all their fees instead. They still want {$1700.00} @ 158 % interest. I had no idea what I was getting into ... .I am XXXX years old living on $ XXXX/mo in Social Security and can not afford to give them more money. They call everyday saying they are going to come get my car ... .I am under so much stress because of this, I am having health problems. PLEASE HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: VA

Complaint narrative:
On or about XX/XX/XXXX I forwarded a proof of verification letter to TransUnion requesting information on how 3 debts that they are reporting were investigated. There is a Water Bill for {$130.00} from a house I lived in during XXXX. XXXX XXXX is still reporting negatively even after the statue of limitations has long expired in my home state of Virginia ( 6 years ). I want this account removed from my TransUnion credit report. There are two other negative items being reported XXXX. XXXX and XXXX  XXXX  both collection agencies. I forwarded Validation of debt letters to both of these companies and XXXX XXXX did not respond with a proper and timely response. I am forwarding their response to you, the CFPB, as proof of a poor and incomplete validation of debt procedure. When I wrote TransUnion to get information about what information they were provided by the debt collector they responded with a standard template letter asking me to contact the creditor. Which I have done already about 6 months ago. I want this account deleted from my report for failure to validate debt. XXXX   XXXX  is an account that has been re-aged by the new collection agency. I want this account to be removed for that violation. Enclosed is proof.

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 2020-02-11 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have called chase more than 4 times and registered my email and phone number with quick pay and they keep giving me this XXXX  XXXX saying the money will be in my account .... 
Im expecting two transfers of {$10.00} and {$50.00} to be in my account which I have not yet got though XXXX XXXX. 
When I called XXXX customer service to speak to someone its jus highly impossible to have some one speak to u over the phone. 
Why open such a XXXX XXXX company when they dont have any people to assist while we like fools use their service!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have repeatedly disputed inaccuracies on my Equifax credit report. Equifax has responded that they verified with the creditors the account information. However that can be true because XXXX  is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Equifax is supposed to verify and report accurate information or they must delete. Equifax is violating my rights under the FCRA, which is illegal. Equifax has never sent any method of verification, who they spoke with or how they verified this information. Equifax needs to delete this account since they can not verify and report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: U.S. BANCORP
State: MS

Complaint narrative:
us bank was not authorized to check my credit

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 2020-02-11 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: VA

Complaint narrative:
I never applied for this companies, i don't have any contracts with my signature, I believe, that i was victim of Identity Theft, somebody stole my personal information and applied for 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 non-monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: MO

Complaint narrative:
Yesterday, I was called from a restricted number and was left a voicemail by " XXXX XXXX ''. I was told that they would come to my house and work and to have my ID ready as I was going to be served paperwork if I didn't hurry up and call back. Today, she called again, 7 times in a row, around XXXX XXXX  CST from the same restricted number and left a voicemail and case number and said that she would show up at my house and work between XXXX-XXXX  XXXX  tomorrow and that my ID should be ready. Today, I called and was told that this company was called " XXXX '', that they were not a debt company, could not take money from me even if they wanted to and when I asked for a validation of debt to be sent me to me, that they couldn't send me one because they " already did ''. I have never received one. Supposedly, the debt is from Cashnet Payday Loan company. I told them that no case has been filed with XXXX County, where I live. They man then called me stupid and said that it would be filed after I was served. I said it doesn't work that way, and that a case must be filed with the court. He said that I was stupid and didn't know anything. I think requested again for a validation of debt. He refused and threatened for my credit to be destroyed with this " debt. The phone number that I was told to call was " ( XXXX ) XXXX. The man that answered the phone wouldn't give me his name and didn't answer the phone with a company name. My case file was 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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I noticed a late reporting on my account with JPM Chase Card account ending in XXXX.I called chase to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.

Company response to consumer: Closed with explanation